Kansas Auto Insurance Requirements, Costs & Coverage Guide 2026
✓ Updated January 2026 – Based on Real Kansas Quotes

Kansas Auto Insurance Requirements & Costs

Complete guide to Kansas car insurance requirements, average rates, and coverage options with current 2026 data. We’re a licensed insurance broker serving 34 states, not an insurance carrier—we help you compare multiple providers to find the best rates.

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Key Takeaways: Kansas Auto Insurance Requirements & Real Quote Data

Data Source: All rates and statistics below are based on real first-party auto insurance quotes collected by our licensed agents in Kansas during 2026. This is not national average data or advertised pricing — these figures reflect actual consumer quote activity from the A Plus Insurance Quote Dataset.

Kansas State Minimum Coverage
25 / 50 / 25
Kansas requires $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage liability. These are legal minimums — many drivers choose 50/100/50 or 100/300/100 for stronger financial protection.
Average Monthly Rate (KS)
$638.95
Based on real Kansas quote activity, the current observed monthly average in our dataset is $638.95. Rates vary based on driver profile, coverage level, vehicle type, and risk factors.
SR-22 & Risk Impact
+50–80%
Drivers requiring SR-22 certification typically pay 50–80% more. DUI convictions can increase rates 60–100% and may require filing for 3 years in Kansas.
Optional Coverage to Consider
Recommended
Uninsured/Underinsured Motorist, Collision, Comprehensive, and Medical Payments (MedPay) provide important protection beyond liability-only coverage and help cover damage, medical costs, and uninsured drivers.

If you’re ready to compare available coverage options in Kansas and view current rates, you can start your quote here.

Average monthly auto insurance rate by state

Filters: Filters: State KS

Source ... A Plus Insurance Quote Dataset

KS
$638.95
  • Pricing ranges from $638.95 (KS) to $638.95 (KS) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $638.95. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1431 20260126-112731-8771 2026-01-26 KS GREAT BEND 67530 2013 FORD F150 49 female single full_coverage Dairyland Auto 638.95 0 0 0
1431 20260126-112731-8771 2026-01-26 KS GREAT BEND 67530 2025 FORD MUSTANG 49 female single full_coverage Dairyland Auto 638.95 0 0 0

How Violations & Risk Factors Affect Your Kansas Rates

Your driving record and risk profile significantly impact insurance costs in Kansas. Understanding these factors helps you anticipate rate changes and make informed decisions.

Understanding SR-22 Insurance in Kansas

An SR-22 is not insurance itself, but a certificate of financial responsibility filed by your insurance company with the Kansas Department of Public Safety. You may need an SR-22 if you have:

  • DUI or DWI conviction
  • Multiple traffic violations in a short period
  • At-fault accident without insurance
  • License suspension or revocation
  • Conviction for driving without insurance
SR-22 Cost Impact: Drivers requiring SR-22 certification typically pay 50-80% more for auto insurance. The SR-22 filing itself costs $15-50, but the underlying violation causes the major rate increase. SR-22 is usually required for 3 years in Kansas.

If you are required to file an SR-22 after a suspension or violation, see our Kansas SR-22 insurance guide.

SR22 vs non SR22 rate comparison

Filters: Geo_mode state, _show_summary , State KS

Source ... A Plus Insurance Quote Dataset

Liability only

Filters: Geo_mode state, _show_summary , State KS, Coverage liability_only

StateNon SR22 avg monthlySR22 avg monthlyDollar difference

Last updated: 2026-06-08 18:06:54

Download CSV (evidence)

Full coverage

Filters: Geo_mode state, _show_summary , State KS, Coverage full_coverage

StateNon SR22 avg monthlySR22 avg monthlyDollar difference
KS$638.95

Last updated: 2026-06-08 18:06:54

Download CSV (evidence)

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)
Record ID Agent Agent NPN State City ZIP Age Sex Marital Status Currently Insured Prior Carrier Vehicle Year Vehicle Make Vehicle Model Coverage Package Carrier Quoted Monthly Premium SR22 Required DUI Flag DUI Count Accidents Count Violations Count Created At
1431 Ruby Finley 21453504 KS GREAT BEND 67530 49 female single yes All Other Non Standard Comp 2013 FORD F150 full_coverage Dairyland Auto 638.950000 no no 0 0 0 2026-02-06 18:27:31
1431 Ruby Finley 21453504 KS GREAT BEND 67530 49 female single yes All Other Non Standard Comp 2025 FORD MUSTANG full_coverage Dairyland Auto 638.950000 no no 0 0 0 2026-02-06 18:27:31

How DUI Affects Your Kansas Insurance Rates

A DUI conviction has severe consequences for auto insurance in Kansas:

  • Rate Increase: Average increase of 60-100% for 3-5 years
  • SR-22 Requirement: Mandatory filing for minimum 3 years
  • Limited Options: Many standard insurers will not cover DUI drivers
  • Long-term Impact: DUI stays on your record for 10 years in Kansas

After a DUI, you’ll need to obtain coverage from high-risk or non-standard insurance providers. Rates gradually decrease as time passes without additional violations, but expect elevated premiums for several years.

Common Traffic Violations and Rate Impacts in Kansas

Violation Type Typical Rate Increase Duration of Impact
Speeding (15+ mph over) 20-30% 3 years
At-fault accident 30-50% 3-5 years
Reckless driving 40-70% 3-5 years
DUI/DWI 60-100% 5-10 years
Driving without insurance 50-80% 3 years
Good News: Maintaining a clean driving record for 3-5 years can significantly reduce rates. Many insurers offer accident forgiveness and safe driver discounts.

For a closer look at how Progressive serves drivers in Kansas, read our Progressive insurance in Kansas guide.

Liability only vs full coverage by company

Filters: State KS

Source ... A Plus Insurance Quote Dataset

Liability only Full coverage
Dairyland
—
$638.95

Across these carriers, liability only averages $0.00 per month, while full coverage averages $638.95.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1431 20260126-112731-8771 2026-01-26 KS GREAT BEND 67530 2013 FORD F150 49 female single full_coverage Dairyland Auto 638.95 0 0 0
1431 20260126-112731-8771 2026-01-26 KS GREAT BEND 67530 2025 FORD MUSTANG 49 female single full_coverage Dairyland Auto 638.95 0 0 0

Cheapest auto insurance companies

Filters: Filters: State KS

Source ... A Plus Insurance Quote Dataset

Dairyland Auto
$638.95
  • Pricing ranges from $638.95 (Dairyland Auto) to $638.95 (Dairyland Auto) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $638.95. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1431 20260126-112731-8771 2026-01-26 KS GREAT BEND 67530 2013 FORD F150 49 female single full_coverage Dairyland Auto 638.95 0 0 0
1431 20260126-112731-8771 2026-01-26 KS GREAT BEND 67530 2025 FORD MUSTANG 49 female single full_coverage Dairyland Auto 638.95 0 0 0

Driver age average monthly by area

Filters: Filters: State KS

Source ... A Plus Insurance Quote Dataset

49
$638.95
  • Pricing ranges from $638.95 (49) to $638.95 (49) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $638.95. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1431 20260126-112731-8771 2026-01-26 KS GREAT BEND 67530 2013 FORD F150 49 female single full_coverage Dairyland Auto 638.95 0 0 0
1431 20260126-112731-8771 2026-01-26 KS GREAT BEND 67530 2025 FORD MUSTANG 49 female single full_coverage Dairyland Auto 638.95 0 0 0

Driver sex average monthly by area

Filters: Filters: State KS

Source ... A Plus Insurance Quote Dataset

female
$638.95
  • Pricing ranges from $638.95 (female) to $638.95 (female) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $638.95. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1431 20260126-112731-8771 2026-01-26 KS GREAT BEND 67530 2013 FORD F150 49 female single full_coverage Dairyland Auto 638.95 0 0 0
1431 20260126-112731-8771 2026-01-26 KS GREAT BEND 67530 2025 FORD MUSTANG 49 female single full_coverage Dairyland Auto 638.95 0 0 0

Auto Insurance Coverage Across Kansas Counties

Find detailed auto insurance information, rates, and requirements specific to your Kansas county.

Johnson County Sedgwick County Shawnee County Wyandotte County Douglas County Leavenworth County Riley County Saline County Butler County Reno County Ford County Harvey County Finney County Crawford County Lyon County McPherson County Cowley County Sumner County Geary County Miami County

For a complete breakdown of different coverage types and what they include, see our auto insurance guide.

Frequently Asked Questions

What are the minimum auto insurance requirements in Kansas?
Kansas requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. This is the legal minimum to drive in Kansas, though most financial advisors recommend higher limits for better protection.
How much does auto insurance cost in Kansas?
Auto insurance costs in Kansas vary widely based on location, driving record, age, vehicle, and coverage level. On average, liability-only coverage costs significantly less than full coverage. Urban areas like Wichita and Kansas City typically have higher rates than rural counties due to accident frequency and theft rates. The best way to find your actual cost is to compare quotes from multiple providers.
Is Kansas a no-fault insurance state?
No, Kansas is an at-fault state. This means the driver who causes an accident is responsible for damages through their liability insurance. The at-fault driver’s insurance pays for injuries and property damage to other parties. This is why adequate liability coverage is crucial in Kansas.
What happens if I get caught driving without insurance in Kansas?
Driving without insurance in Kansas results in serious penalties: fines, suspension of your driver’s license and vehicle registration, potential SR-22 requirement for future coverage, and significantly higher insurance rates when you reinstate coverage. Kansas takes uninsured driving very seriously, and penalties increase for repeat offenses.
Do I need SR-22 insurance in Kansas?
You need SR-22 insurance in Kansas if you’ve had a DUI/DWI, multiple serious traffic violations, an at-fault accident without insurance, or your license was suspended or revoked. The SR-22 is a certificate your insurance company files with the Kansas Department of Public Safety proving you carry the required minimum coverage. It’s typically required for 3 years and increases your insurance rates by 50-80%.
How does a DUI affect my car insurance rates in Kansas?
A DUI in Kansas typically increases your insurance rates by 60-100% and remains on your driving record for 10 years. You’ll need to file an SR-22 for at least 3 years, and many standard insurance companies won’t cover you, forcing you to seek high-risk insurers. Rates gradually decrease over time if you maintain a clean record, but expect elevated premiums for 5-10 years.
Should I get more than the minimum coverage in Kansas?
Yes, most insurance experts recommend purchasing more than Kansas’s minimum 25/50/25 coverage. These minimums may not cover all damages in a serious accident, leaving you personally liable for the difference. Consider at least 50/100/50 or 100/300/100 coverage, plus uninsured motorist coverage, to protect your assets. The additional cost is usually modest compared to the increased protection.
How often should I shop for new car insurance rates in Kansas?
You should compare car insurance quotes every 6-12 months, even if you’re satisfied with your current provider. Insurance rates change frequently based on market conditions, and you may qualify for new discounts or find better rates elsewhere. Life changes like marriage, moving, or buying a home can also significantly affect your rates. Shopping around regularly can save Kansas drivers $400 or more annually.
Jayleen Ridgeway - Marketing Manager

Jayleen Ridgeway

Marketing Manager| 9 Years of Digital and Marketing Strategy

Data-driven marketing strategist specializing in insurance rate analysis, pricing trends, and consumer insights derived from real-world first-party data. With a background in SaaS technology, Jayleen leads all marketing and social media efforts while uncovering actionable trends from monthly, quarterly, and yearly insurance data.
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