Compare car insurance rates across all 50 states. See average premiums, cheapest and most expensive states, and what factors drive costs in your area.
Kansas Insurance Guide
Recently updated
Insurance in Kansas
Find comprehensive insurance information for Kansas (KS) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Midwest region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Kansas (KS) |
| Region | Midwest |
| Population | ~2.9M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Kansas Department of Insurance |
Health Insurance in Kansas
Kansas residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Kansas
Kansas has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Kansas
Protect your home with coverage tailored to Kansas’s specific risks and requirements.
Life Insurance in Kansas
Find life insurance options available to Kansas residents to protect your family’s financial future.
How Kansas Compares
Understanding how Kansas stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Kansas | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,256 | $1,935 | -35% (below average) |
| Health Insurance (monthly) | $623 | $477 | +31% (above average) |
| Home Insurance (annual) | $2,934 | $2,377 | +23% (well above average) |
| Uninsured Rate | 10.0% | 9.5% | +5% (below average) |
Key Insights
- Homeowners insurance ranks #45 highest, often due to weather-related risks. Consider mitigation measures and shop for competitive rates.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Kansas Insurance Department (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Kansas (opens in new tab) - Federal health insurance marketplace for Kansas
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Kansas address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Kansas Insurance Department
- Phone
- 785-296-3071
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Kansas?
Kansas requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Personal Injury Protection (PIP) of $4,500 is also required as Kansas is a no-fault state.
How do I get health insurance in Kansas?
Kansas uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Kansas has not expanded Medicaid, so marketplace plans with premium tax credits are important for many residents.
Does Kansas homeowners insurance cover tornado damage?
Yes, standard homeowners insurance covers tornado and wind damage in Kansas. Kansas is in the heart of Tornado Alley with significant severe weather risk. Ensure adequate coverage and understand percentage-based wind/hail deductibles common in the state.
Is Kansas a no-fault auto insurance state?
Yes, Kansas has a no-fault system with required Personal Injury Protection (PIP). Your own insurance covers medical expenses up to $4,500 regardless of fault before you can pursue claims against at-fault drivers for additional damages.
What is the average cost of car insurance in Kansas?
Kansas drivers pay approximately $1,200-$1,400 per year for full coverage auto insurance, near the national average. Wichita and Kansas City metro areas have higher rates than rural areas.
No FAQs match your search. Try different keywords or .
[kansas] Insurance Types
Compare insurance options available to [kansas] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
Explore insurance guides for states bordering Kansas:
Related Articles (3)
Compare health insurance premiums across all 50 states. See ACA marketplace costs, employer plan averages, and what drives health coverage prices in your area.
Compare homeowners insurance rates across all 50 states. See average premiums, disaster risk impacts, and what drives home insurance costs in your area.