Kansas auto insurance averages - $972.64 per year in 2023, ranked #39 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Kansas's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $972.64 ▲12.0% | $483 |
| 2022 | $868.11 ▲6.4% | $438 |
| 2021 | $815.81 ▲2.9% | $417 |
| 2020 | $792.71 ▼3.1% | $409 |
| 2019 | $817.88 | $427 |
Evidence lead: 2023 cost position
Kansas's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
2023 cost position
At $972.64, Kansas ranks #39 of 51 by 2023 average expenditure. That puts the state in the lower-cost portion of this particular NAIC measure. The ordering is comparative only; it does not control for driver history, limits, deductibles, vehicle choice, or the share of residents purchasing optional coverages.
Year-by-year shape
The one interruption in Kansas's series is a steep one: -3.1% into 2020, the second-largest single-year move on the page. What followed more than erased it, leaving the 2023 average well clear of the 2019 figure, with the most recent step at +12.0%. Read the drop as one reporting year, not a change in direction.
Coverage-component signature
Kansas's most distinctive 2023 component is comprehensive: $349.07, or 40.2% above the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Five-year movement
Kansas's +18.9% endpoint change ranks #23 of 51. Its five-year movement is neither in the fastest nor slowest cohort in this release. This percentile-like position compares the same 2019 and 2023 expenditure fields for every jurisdiction rather than mixing carrier quotes or incompatible policy profiles.
Substantial registry context
Kansas's separate complaint layer covers 53 companies with 7,792 recorded complaints. That is #15 for company breadth and #15 for record count across 51 jurisdictions—an upper-middle registry footprint. The totals are coverage denominators, not quality grades, and they are deliberately excluded from the state's expenditure calculation.
Nearest expenditure peers. By average expenditure, Kansas's closest peers in this dataset are Montana ($975.01) and Nebraska ($980.31), both within a few dollars of Kansas's own $972.64.
Note on state comparisons: These averages reflect the mix of coverages purchased in Kansas, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
