Delaware vs Kansas Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Kansas is $230/yr cheaper on average.

Fewer Uninsured

Kansas has a lower uninsured rate (7.2% vs 11.4%).

Rate & Coverage Comparison

Attribute	Delaware	Kansas
Avg Annual Premium	$1,920	$1,690
Min Liability	$630	$550
Full Coverage	$1,920	$1,690
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	11.4%	7.2%
Registered Vehicles	811,800	2,408,340
Accidents/Year	12,177	36,125
Population	990,000	2,937,000

Minimum Coverage Requirements

Delaware

25/50 / 10 liability

Kansas

25/50 / 25 liability

Premium Comparison

Delaware$630 – $1,920

Liability: $630Avg: $1,920Full: $1,920

Kansas$550 – $1,690

Liability: $550Avg: $1,690Full: $1,690

DelawareFull rates, age breakdown, requirements →KansasFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Delaware or Kansas?

Kansas has cheaper car insurance, with an average annual premium of $1,690 compared to $1,920 in Delaware - a difference of $230 per year.

How do Delaware and Kansas compare on fault systems?

Delaware uses a at-fault (tort) system while Kansas uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Delaware vs Kansas?

Delaware requires 25/50 / 10 liability. Kansas requires 25/50 / 25 liability. Minimum liability costs $630/yr in Delaware and $550/yr in Kansas.

Which state has more uninsured drivers, Delaware or Kansas?

Delaware has a higher uninsured driver rate at 11.4%, compared to 7.2% in Kansas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Delaware vs Kansas insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Delaware

Kansas

Avg Annual Premium

$1,920

$1,690

Min Liability

$630

$550

Full Coverage

$1,920

$1,690

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

11.4%

7.2%

Registered Vehicles

811,800

2,408,340

Accidents/Year

12,177

36,125

Population

990,000

2,937,000