Average Cost Of Car Insurance In Kansas

The average cost of car insurance is significant for obtaining a lower rate. Average Cost Of Car Insurance In Kansas highlights that, according to the national car insurance report, drivers spend an average of $1,656 on car insurance in Kansas, indicating a lower rate than the national average. This relatively lower cost makes Kansas appealing to drivers looking to manage their insurance expenses effectively.

More strikingly, according to CPI data, car insurance prices surged by 20.6% year-over-year. This significant rise in insurance costs highlights the importance of comparing policies and seeking the best rates to mitigate the impact of these increasing expenses.

Kansas Car Insurance Rates By City

Practical information on car insurance rates in Kansas shows the rates differ from city to city, with some offering lower rates while others have higher ones. For instance, Overbrook and Americus provide the cheapest insurance, with monthly premiums of $203 and $206, respectively. Vassar and Quenemo follow closely with rates around $208 to $210 monthly. 

Cities like Topeka and Burns have average monthly premiums of $212. Moving up, places like Columbus, Crestline, and Treece see slightly higher rates, ranging from $221 to $222. However, West Mineral has the highest premiums at $248 monthly. Population density, local traffic laws, and the number of insurance providers in each area influence these rate variations. Awareness of these differences can help drivers in Kansas choose the right coverage for their needs and budget.

Also Read: Psychology Behind Car Insurance Pricing: What Insurers Don’t Always Tell You

City	Avg. full coverage premium per month	Avg. full coverage premium per year
Overbrook	$203	$2,441
Americus	$206	$2,473
Vassar	$208	$2,493
Quenemo	$210	$2,515
Topeka	$212	$2,545
Burns	$212	$2,546
Columbus	$222	$2,662
Crestline	$221	$2,648
Treece	$221	$2,650
West Mineral	$248	$2,978

Average Car Insurance Costs By Age And Gender In Kansas

Car insurance costs in Kansas vary by age and gender due to differences in risk factors. Young drivers, especially teenagers, typically face the highest insurance rates. This is because they have less driving experience and are statistically more likely to be involved in accidents. As drivers age, the gap between male and female insurance premiums narrows. 

For instance, the average annual full coverage premium for 40-year-old males is $2,587, while for females, it is $2,524. In older age groups, such as those over 60, the differences in premiums become minimal, which indicates a convergence in driving risk between genders.

Middle-aged drivers, especially those in their 30s, 40s, and 50s, usually enjoy the lowest insurance rates. They have extensive driving experience and are less likely to be involved in accidents. However, rates may increase again for seniors, particularly those over 65, due to potential declines in reaction times and overall driving ability.

	Men		Female
Age	Average Annual Full Coverage Premium	Average Minimum Coverage Premium	Average Annual Full Coverage Premium	Average Minimum Coverage Premium
16	$5,523	$1,531	$5,013	$1,482
18	$7,742	$2,131	$6,870	$1,927
20	$5,801	$1,414	$5,056	$1,330
25	$3,321	$767	$3,087	$768
30	$2,811	$636	$2,708	$658
40	$2,587	$603	$2,524	$630
50	$2,338	$556	$2,225	$581
60	$2,215	$551	$2,173	$563
70	$2,325	$626	$2,279	$624

Car Insurance Rates In Kansas By Credit Score

In Kansas, car insurance costs vary significantly based on your credit score. Insurance companies use your credit score as a key factor in determining your rates. Generally, the higher your credit score, the lower your premiums are likely to be.

Here’s an overview of the average annual premiums for car insurance in Kansas based on different credit score ranges:

As the table shows, those with excellent credit scores enjoy the lowest premiums, while those with poor face significantly higher costs. Maintaining a good credit score can help you secure more affordable car insurance rates in Kansas.

Credit Score Range	Annual Premium	Monthly Premium
Excellent	$746	$62
Good	$913	$76
Fair	$1,124	$94
Below Fair	$1,358	$113
Poor	$1,689	$141

Cheapest Car Insurance Companies In Kansas

Kansas’s cheapest car insurance companies offer affordable rates while providing good coverage. Nationwide and American Family are two of the state’s most affordable options for drivers. 

For drivers in Kansas seeking top car insurance companies, Nationwide offers an annual premium of $768, translating to approximately $64 per month. Similarly, American Family provides competitive rates with an annual premium of $895, or about $75 per month. 

Car insurers’ customizable policies allow drivers to tailor their coverage to suit their needs, including options for good students and safe drivers, and combining home and auto insurance policies. Moreover, comparing quotes from multiple providers, like Beem app, enables you to obtain the best rates and coverages in the market.

Here is the list of the cheapest car insurance companies in Kansas for 40-year-old male drivers:

Insurance Company	Annual Premium	Monthly Premium
Nationwide	$768	$64
American Family	$895	$75
Auto-Owners Insurance Co	$971	$81
Travelers	$981	$82
GEICO	$1,120	$93
Farmers	$1,176	$98
Allstate	$1,306	$109

Cost for Driving Record in Kansas

In Kansas, the cost of your driving record can significantly impact your car insurance rates. Factors such as at-fault accidents, speeding tickets, and DUI convictions can influence how much you pay for coverage.

At-Fault Accidents

If you’ve been involved in an at-fault accident, be prepared for a potential increase in your car insurance premiums. On average, drivers in Kansas can expect to see their annual premiums rise by around 47% after such an incident, with the average premium increasing to $3,757 per year. This increase reflects the higher risk associated with being involved in accidents.

Speeding Tickets

Speeding tickets are another factor that can drive up your car insurance costs. In Kansas, a speeding ticket conviction typically results in a 20% increase in annual premiums, with the average premium rising to $3,069 annually. This increase is due to the perception of increased risk associated with speeding violations.

DUI

Perhaps the most serious driving offense is driving under the influence (DUI). In Kansas, a single DUI conviction can lead to a substantial surge in car insurance rates. On average, drivers with a DUI can expect to pay 78% more in annual premiums compared to those with a clean driving record, with the average premium soaring to $4,539 per year. This significant increase reflects the heightened risk posed by impaired driving.

Also Read: Teen Drivers and Car Insurance: How to Save Without Skimping on Coverage

How Much Does Car Insurance Cost for Good or Poor Credit Scores in Kansas

In Kansas, auto insurance premiums vary based on credit score. Those with good credit scores typically pay around $913 annually, translating to approximately $76 monthly. Conversely, individuals with poor credit scores face higher premiums, averaging $1,689 annually or about $141 monthly. Maintaining a good credit score is crucial for securing more affordable auto insurance rates in Kansas.

Conclusion

In conclusion, car insurance is mandated for all drivers in Kansas. The cost of car insurance may vary due to several considerations noted by lenders, such as drivers’ age, gender, and credit score. You can manage your car insurance rate at a lower value by maintaining a clean driving record and avoiding accidents. 

Understanding the average rate can help you find the best deal. Bundling insurance policies with the same provider, shopping for insurance at least 10 days before renewal, and comparing quotes are practical steps to securing a lower rate. Utilizing tools like the Beem app to get top personalized car insurance options for comparing quotes from multiple providers, ensuring you find the most affordable car insurance in Kansas.

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