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The city in Kansas with the least expensive auto insurance premiums is Salina, which has an average premium of $1,079 per year. By comparison, the average cost of car insurance in Kansas overall is $1,102 per year.
Cheapest Cities for Car Insurance in Kansas
- Salina: $1,079 per year
- Emporia: $1,108 per year
- Manhattan: $1,112 per year
- Hays: $1,131 per year
Some cities in Kansas have cheaper car insurance premiums than others because insurance companies take a driver’s ZIP code into account when calculating their premium, alongside other factors. For example, drivers who live in dense urban areas typically pay more for coverage than drivers in rural areas because they’re more likely to get into an accident. And if an area has a particularly high theft rate, car insurance may be more expensive due to the risk of vehicles being stolen.
To learn more, check out WalletHub’s guide to the cheapest car insurance in Kansas.
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Drivers in Kansas need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $25,000 of property damage liability insurance. Kansas also requires personal injury protection (PIP) and uninsured motorist insurance. PIP covers medical expenses for you and your passengers after an accident, and UM replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Here’s How Much Car Insurance Drivers Need in Kansas:
| ... | Minimum Coverage Limit |
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