Get a Kansas car insurance quote

You could save over $700 on auto insurance when you switch to Liberty Mutual¹

Buying auto insurance in Kansas

Need car insurance in Kansas? Whether you live in Wichita or Kansas City, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Kansas auto insurance, so you only pay for what you need.

Kansas drivers could save money with these auto insurance discounts

Switch to Liberty Mutual for car insurance and you could save over $700¹

Online Purchase Discount

Buy your policy online and save. It's that simple.²

Learn more about Savings

Bundle and Save

Convenience and savings — need we say more? Combine your policies and get a discount.²

Learn about Bundle and Save Discounts and more

RightTrack^®

Get rewarded for your good driving behavior by saving up to 30% on your policy.³

Save with our safe driver program

Those are just a few of the ways we can help lower your car insurance costs.

View all car insurance discounts

Kansas minimum car insurance requirements (25/50/25)

It's illegal to drive without car insurance in Kansas. To drive legally, you need to have at least the following coverage amounts and minimums in Kansas.⁴

Coverage	Amount
Bodily Injury to Others Coverage	$25,000 per person and $50,000 per accident
Property Damage Liability Coverage	$25,000 per accident
Uninsured Motorist Bodily Injury Coverage	$25,000 per person and $50,000 per accident
Underinsured Motorist Bodily Injury Coverage	$25,000 per person and $50,000 per accident
Personal Injury Protection (PIP)	$4,500 per person

Learn more about the state insurance requirements at the Kansas Department of Insurance.

Average car insurance cost in Kansas, 2026

According to 2026 data, the average cost of “full” coverage car insurance in Kansas is about $1,608 per year.

Kansas drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.

Is Kansas considered a no-fault insurance state?

Yes, Kansas is a modified no-fault insurance state. In general, "no-fault" means that each person uses their own insurance to cover any injury related medical bills and costs due to an auto accident. In KS, this coverage is called Personal Injury Protection (PIP) and can be used regardless of fault. The minimum required is $4,500 per person.

PIP coverage in Kansas includes

$4,500 per person for medical expenses
$900 per month for one year for disability/loss of income
$25 per day for in-home services
$2,000 for funeral, burial or cremation expense
$4,500 for rehabilitation expense
Survivor Benefits: Disability/loss of income up to $900 per month for one year
In-home services up to $25 per day for one year

Because KS is a modified no-fault insurance state, you may be able to also file a claim for pain and suffering against the at fault driver. There are restrictions, and you must have at least one of these situations as a result of the accident

Medical expenses of at least $2,000
Sustained a fracture to a weight-bearing bone
Loss of a body part
Permanent loss of a body function
Significant scarring or permanent disfigurement
Permanent injuries
A displaced, comminuted, compression, or compound fracture
Wrongful death

You should keep all these things in mind when you choose your coverage.

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Who offers cheap insurance in Kansas?

Finding the cheapest car insurance in Kansas may sound great, but a low-cost policy may not pay out when you need it.

You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.

A Liberty Mutual auto insurance policy can cost less than you think.⁵