Popular QuestionsPopular Questions About Kansas Car Insurance

How much does Kansas car insurance cost? $1,147

The good news is Kansas drivers pay less than most other drivers around the nation. 

The average cost for car insurance nationwide is $1,311. In Kansas, residents pay an average of $1,147 per year. You'll get the best rates if you compare quotes from multiple companies before you choose a policy.

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What does Kansas car insurance actually do for me?

Even the best Kansas drivers sometimes find themselves involved in an accident. If you are involved in a collision, here are some ways that your car insurance will help...

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender. 
  • Fix Someone Else's Car – Required/Min. $25,000. We officially call this "property damage liability." 
  • Pay Your Medical Bills –Required/Min $4,500. We officially call this "personal injury protection" or "PIP." 
  • Pay Someone Else's Med Bills – Required/Min. $25,000 per person / $50,000 per accident. We officially call this "bodily injury liability."

Kansas state law requires all drivers to have insurance to pay for vehicle damage and medical bills. Most states across the country have laws like that to make sure drivers are prepared in case of accidents.

Who pays if the accident wasn't my fault?

The driver who caused the accident is responsible for covering the cost of damages. 

How many Kansas drivers are uninsured: 9.4%

Sometimes drivers don't have insurance. This can be a serious issue if an uninsured driver causes an accident. 

Uninsured motorist coverage offers extra protection, paying for your vehicle repairs and medical bills if you are hit by a driver that isn't insured. Normally, the insurance company will try to collect compensation from the driver at fault after paying you.

Which are the best insurance companies in Kansas?

An independent insurance agent compares multiple companies to find the best policy for your needs.

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InformationFind The Best Insurance in Your City

Now, let's take a quick peak at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost - $1318 / year
  • National average car thefts per 1,000 - 2.94
  • National average time spent commuting - 25.4 min


CityCommute time (min)Auto theft rate per 1,000Annual insurance costMonthly insurance cost
Wichita18.75.59$1,170$98
Overland Park18.62.77$1,092$91
Topeka17.14.55$1,099$92
Olathe20.21.19$1,080$90
Lawrence16.61.92$1,119$93
Manhattan15.51.2$1,069$89
Salina14.42.39$1,084$90
Hutchinson15.33.19$1,295$108
Colby10.71.47$1,186$99
Hays121.13$1,112$93
Garden City141.11$1,115$93
Dodge City13.11.46$1,154$96

Topeka, KS Car Insurance

Residents of Topeka pay an average of $92 per month for their car insurance coverage. Several factors can influence your personalized car insurance rate. Your monthly cost is based on your age, gender, driving record, vehicle make and model, and a number of other variables. Your actual rates may therefore be considerably higher or lower than the city’s average.

The more time you spend on the road, the higher your rate will be for car insurance will be. In Topeka, commute times are generally shorter than the national average, which helps to keep rates affordable for many Topeka residents.

Living in a city where crime is an ongoing threat puts drivers at risk. Topeka has a high rate for auto theft, which could drive up insurance prices. If you want to be compensated for losses caused by property crimes, you will need to ensure that your Topeka auto insurance policy includes comprehensive (or “other than collision”) coverage. 

Olathe, KS Car Insurance 

The average monthly cost of car insurance in Olathe is $90. Your calculated monthly rate may be higher or lower, depending on a variety of considerations including your age, gender, marital status, driving record, vehicle make and model, and more.

If you spend a lot of time on the road, you face a greater risk of being involved in a collision. Olathe drivers have shorter travel than most of this country’s commuters, and this may help keep insurance rates affordable for many Olathe residents.

Dangerous areas have a higher risk of car theft. Fortunately, auto theft rates in Olathe are much lower than the national average. That’s good news because it may bring down insurance rates and make it less expensive to add the optional comprehensive coverage to your auto insurance policy. 

Lawrence, KS Car Insurance 

Residents of Lawrence pay an average of $93 per month for their auto insurance coverage. Depending on a number of factors, including the kind of car you drive, your age and your driving record, your rates could be considerably higher or lower than the city’s average. 

Long commutes can be annoying; they can also put you at a higher risk for accidents. Lawrence drivers spend less time traveling to and from work than most Americans, and this can help lower insurance costs for this city’s residents. 

If you live in a dangerous area, you face a higher risk to have your car stolen. Auto theft rates in Lawrence are lower than the national average, and this helps keep comprehensive coverage rates affordable for local drivers. 

Manhattan, KS Car Insurance 

Residents of Manhattan pay an average of $89 for their auto insurance coverage. Of course, your monthly rate will be calculated according to several different factors and may therefore be significantly higher or lower than this average. Your age, gender and vehicle are all examples of some of the factors used to determine your auto insurance rate.

The number of miles you drive and the amount of time you spend on the roads is directly tied to your risk level for accidents. Long commutes make your risk increase, but Manhattan drivers typically spend less time on the roads than the average national driver. This could help keep rates affordable for most Manhattan residents.

Car theft is a problem in many parts of Kansas, but Manhattan has a very low rate of auto theft. Because of this, rates for adding “other than collision” insurance will cost lost for residents of this city. 

Salina, KS Car Insurance

 The average monthly cost of auto insurance in Salina is $90. Of course, rates are unique for each driver, so you could pay considerably more or less than this. It all depends on a variety of factors including (but not limited to) the make, model, and year of your vehicle, your driving record, and the number of miles you drive each year.

When you spend a lot of time on the road, your chance of having an accident increases. Drivers in Salina spend less time on daily commutes than most Americans. This results in reduced insurance rates for many local drivers.

The higher the crime rate in your area, the more likely it is that your vehicle will be stolen or vandalized. The auto theft rate in Salina is much lower than the national average, and this may
help decrease insurance rates for comprehensive coverage, which is necessary for you to have if you want to be compensated for losses caused by property crimes to your vehicle.

Hutchinson, KS Car Insurance 

Residents of Hutchinson pay an average of $108 per month for their auto insurance coverage. Naturally, actual rates can vary significantly from one driver to the next. Each driver has a customized rate for car insurance that is calculated according to several different factors such as the make, model, and year of the vehicle being insured and the driving records of all the drivers in the household who may be operating it.

Simply put, long commutes increase your risk of being involved in a car accident. Hutchinson drivers spend less time on the road during their commute than most Americans, and this can help residents enjoy lower auto insurance rates.

Auto theft is a serious concern for many drivers in Kansas. The theft rate in Hutchinson is higher than the national average, which may make having comprehensive coverage particularly important for this city’s residents. Without this optional “other than collision” insurance, you cannot be compensated for losses brought about because of property crimes. 

Colby, KS Car Insurance 

The average monthly cost of auto insurance in Colby is $99. Your cost could be considerably higher or lower than the average. Insurance companies will calculate your actual rates according to the type of car you drive, your age, your driving history, your vehicle’s make and model, and a number of other considerations.

The more time you spend on the road, the more you risk being involved in a car accident. Fortunately, Colby drivers tend to have shorter commutes than the average American, and this can result in lower auto insurance rates for many of this city’s residents.

The good news is that in the city of Colby, auto theft rates are well below the national average. This can make adding the optional “other than collision” coverage to your policy far more affordable. 

Hays, KS Car Insurance 

Residents of Hays spend an average of $93 per month for their auto insurance coverage. Your actual rate may be significantly higher or lower, depending on the vehicle you are insuring and your age, gender, driving record, and several other factors. The only way to learn what coverage will cost you is to request rates from various insurance companies.

When you spend a lot of time on the road, you increase your risk of being in a collision. The commutes for Hays drivers are much shorter than the national average, which may help lower insurance rates for drivers in this city. The number of miles you drive for work and for leisure can greatly affect your coverage rates.

If you live in a city that has a high crime rate, you have a higher risk for car theft or vandalism. Fortunately, in Hays, the auto theft rate is fairly low. This helps to reduce the cost of adding comprehensive coverage to your car insurance policy.