Average insurance rates across 47 cities in Kansas
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Wichita | 397,532 | $2,408 | $1,505 | $499/mo | $16/mo |
| Overland Park | 197,238 | $2,716 | $1,698 | $508/mo | $18/mo |
| Kansas City | 156,607 | $2,464 | $1,540 | $501/mo | $17/mo |
| Olathe | 141,290 | $2,660 | $1,662 | $506/mo | $18/mo |
| Topeka | 126,587 | $2,352 | $1,470 | $498/mo | $16/mo |
| Lawrence | 96,061 | $2,520 | $1,575 | $502/mo | $17/mo |
| Shawnee | 67,671 | $2,520 | $1,575 | $502/mo | $17/mo |
| Lenexa | 57,497 | $2,520 | $1,575 | $502/mo | $17/mo |
| Manhattan | 54,287 | $2,520 | $1,575 | $502/mo | $17/mo |
| Salina | 46,734 | $2,520 | $1,575 | $502/mo | $17/mo |
| Hutchinson | 39,995 | $2,520 | $1,575 | $502/mo | $17/mo |
| Leavenworth | 37,193 | $2,520 | $1,575 | $502/mo | $17/mo |
| Leawood | 33,784 | $2,520 | $1,575 | $502/mo | $17/mo |
| Garden City | 27,933 | $2,520 | $1,575 | $502/mo | $17/mo |
| Dodge City | 27,721 | $2,520 | $1,575 | $502/mo | $17/mo |
Kansas residents pay an average of $2,800 per year for home insurance and $1,750 for auto insurance. As a no-fault state, Kansas requires Personal Injury Protection (PIP) in addition to standard liability coverage. The minimum auto liability coverage required is 25/50/25.
Health insurance in Kansas averages $510 per month for an individual Silver marketplace plan. The weather risk level is high, with tornado activity affecting premiums. Top insurance providers in Kansas include State Farm, Shelter Insurance, Farm Bureau.
The average home insurance cost in Kansas is $2,800 per year. Rates range from $1,700 to $3,900 depending on home value, location, and coverage level.
Auto insurance in Kansas averages $1,750 per year for full coverage. The state minimum coverage is 25/50/25. As a no-fault state, PIP coverage is also required.
Yes, Kansas has above-average insurance costs, with home insurance at $2,800/yr and auto at $1,750/yr compared to national averages of $2,300 and $1,800 respectively.
Kansas requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It is a no-fault state requiring PIP coverage.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.