Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
The average cost of car insurance in Kansas ranges from $524 per year for 55-year-olds to $2,405 per year for 16-year-olds. Kansas residents with a good driving record generally see their car insurance premiums drop around age 25, and average rates continue to fall as policyholders age. However, around age 65, you will likely start to see your rates increase again.
Average Cost of Car Insurance in Kansas by Age
| Age | Average Premium |
| 16 | $2,405 per year |
| 25 | $683 per year |
| 35 | $580 per year |
| 45 | $565 per year |
| 55 | $524 per year |
| 65 | $564 per year |
Note: Premiums are representative of a male driver with a minimum coverage policy and a clean driving record; individual premiums will vary.
Your car insurance premiums will generally decrease as you get older if you maintain a good driving record. However, there are other ways to lower your car insurance premiums before then, such as looking for discounts, increasing your deductible or comparing quotes from multiple companies.
To learn more, check out WalletHub’s guide to average car insurance rates by age and state.
People also ask
At what age is car insurance cheapest?
Car insurance is cheapest around age 55, on average, according to WalletHub data. Middle-aged drivers with experience on the road are the least expensive to insure because they have the lowest accident and claims rates, especially compared to senior and teenage drivers, who are the most likely to be involved in car crashes. Overall, car insurance is cheapest for drivers aged 35-65.
Cheapest Ages for Car Insurance
| Age | Average Annual Premium |
How much is full coverage insurance in Kansas?
Full coverage insurance in Kansas costs an average of $320 per month. A full coverage policy usually includes collision and comprehensive insurance, plus the types of coverage required by Kansas law. In Kansas, liability insurance, personal injury protection, and uninsured motorist coverage are mandatory for all drivers.
Average Cost of Full Coverage Insurance in Kansas
Company | Full Coverage | Minimum Coverage |
$163 per month | $51 per month | |
$183 per month | $43 per month | |
$190 per month | $88 per month | |
$196 per month | $55 per month | |
$203 per month | $39 per month |
Note: Premiums are average rates for a good driver in Kansas; individual premiums will vary.
How to Get Cheaper Full Coverage Insurance in Kansas
- Compare quotes from several companies to make sure you're getting the best deal.
- Increase your deductible. Higher deductibles lead to lower premiums, but remember to only pick a deductible you'd be able to afford in an emergency.
- Don't forget to make sure you're getting all the discounts you can.
To learn more, check out WalletHub's guide to full coverage car insurance.
read full answerWhat car insurance discounts are available in Kansas?
You can get car insurance discounts in Kansas based on how you drive, the car you own, and your relationship with your insurance company. In Kansas, car insurance companies are allowed to consider factors like employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions.
Almost anyone can get a discount on car insurance...
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