Kansas offers moderate car insurance costs, but rates are gradually increasing due to rising rural crash severity and weather-related claims. The state’s no-fault system, combined with long commutes and heavy vehicle usage, shapes a unique insurance landscape. Severe storms and deer collisions are also influential factors.
Kansas Auto Insurance Facts
Drivers
- ~2.15–2.25 million licensed drivers as of 2023.
- ~92% of households own a personal vehicle.
- Rural regions dominate vehicle usage with long-distance commutes common.
- Pickup trucks and SUVs make up a significant portion of the fleet.
- Uninsured driver rate ~11–12%.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~62,900
| ~18,400
| 404
|
| 2019
| ~63,500
| ~18,600
| 410
|
| 2020
| ~56,400
| ~16,900
| 426
|
| 2021
| ~60,800
| ~17,700
| 438
|
| 2022
| ~61,500
| ~18,100
| 445
|
Laws & Regulations
- No-fault state with mandatory PIP coverage.
- Bodily injury and property damage liability required.
- Insurers must offer UM/UIM (uninsured/underinsured) coverage.
