Kansas car insurance rates depend on many variables, including age, driving record and credit score of drivers as well as where they live. Car make and model may also play a factor; so too do coverage levels such as collision. When searching for affordable rates it’s wise to shop around; USAA and Progressive provide competitive quotes as do several other providers like bundling policies with safety features installed or increasing deductibles; the average full coverage premium costs an estimated $1918 annually in Kansas.

MoneyGeek has developed an easy car insurance calculator to assist drivers in understanding all the factors that affect auto insurance rates. By simply providing basic personal information, an estimate can be generated within seconds allowing a person to use this data to select an insurer and coverage level best suited for them.

Driving history is one of the main contributors to car insurance premiums. Based on statistics, drivers with poorer records tend to file more claims. To offset this risk, insurance companies charge these drivers more in premiums; an at-fault accident on your record could result in rates increasing by as much as $629 annually.

Kansas auto insurance rates depend heavily on gender, age and location factors such as gender. Men typically pay more than women for car insurance; this gap closes with age. Teenagers generally incur the highest car insurance premiums due to their risky driving behavior behind the wheel; however they could potentially save significant sums by being listed on their parent’s policy rather than purchasing their own policy separately.

Kansas drivers with excellent credit pay an average monthly premium of $347 compared to $129 for drivers with poor credit, due to them filing more claims. A person’s credit history can influence rates 2.2x more than their actual age; meaning young drivers often overpay.