Average car insurance cost in Kansas (2026)
Drivers in Kansas pay an average of $157 a month for full coverage and $79 a month for liability only.
Full coverage / month
$157
Liability only / month
$79
Full coverage / year
$1,884
Liability only / year
$948
Cost rank
#27 of 51
1 = most expensive. Tied with Oregon and West Virginia. Liability-only rank: #31.
Averages are a starting point. Estimate your cost in Kansas
How Kansas compares
The full-coverage average of $157 is 10% below the average across states ($174), and the liability-only average of $79 is 19% below the average across states ($98). Kansas is mid-table: 26 of the 51 places in our table have a higher full-coverage average. That is $144 a month below Maryland, the highest, and $72 above New Hampshire, the lowest.
Full coverage vs liability only in Kansas
Full coverage costs $78 more per month than liability only in Kansas, or $936 more per year. That gap is wider than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Kansas by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| West Virginia | $157 | $83 | $0 |
| Oregon | $157 | $91 | $0 |
| Pennsylvania | $161 | $90 | +$4 |
| South Dakota | $152 | $62 | -$5 |
| Illinois | $163 | $84 | +$6 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Kansas averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $157 | $79 |
| Same driver, age 20-24 | $228 | $115 |
| Same driver, one ticket | $192 | $96 |
| Same driver, one at-fault accident | $223 | $112 |
| Same driver, sports car | $204 | $103 |
Frequently asked questions
How much does car insurance cost in Kansas?
The average in Kansas is $157 a month ($1,884 a year) for full coverage and $79 a month ($948 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in Kansas expensive compared with other states?
Kansas ranks 27th highest of the 50 states and D.C. for full coverage (tied with Oregon and West Virginia). Its full-coverage average is 10% below the average across states of $174 a month.
How much more does full coverage cost than liability only in Kansas?
On average, full coverage costs $78 more per month in Kansas, or $936 more per year. That is 99% more than the liability-only average.
How much could an at-fault accident change an estimate in Kansas?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Kansas rises from $157 to about $223 a month, or about $66 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.