Indiana vs Kansas Car Insurance

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

Quick Verdict

More Affordable

Indiana is $160/yr cheaper on average.

Fewer Uninsured

Kansas has a lower uninsured rate (7.2% vs 14.0%).

Rate & Coverage Comparison

Attribute	Indiana	Kansas
Avg Annual Premium	$1,530	$1,690
Min Liability	$500	$550
Full Coverage	$1,530	$1,690
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	14.0%	7.2%
Registered Vehicles	5,564,520	2,408,340
Accidents/Year	83,467	36,125
Population	6,786,000	2,937,000

Minimum Coverage Requirements

Indiana

25/50 / 25 liability

Kansas

25/50 / 25 liability

Premium Comparison

Indiana$500 – $1,530

Liability: $500Avg: $1,530Full: $1,530

Kansas$550 – $1,690

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

IndianaFull 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, Indiana or Kansas?

Indiana has cheaper car insurance, with an average annual premium of $1,530 compared to $1,690 in Kansas - a difference of $160 per year.

How do Indiana and Kansas compare on fault systems?

Indiana 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 Indiana vs Kansas?

Indiana requires 25/50 / 25 liability. Kansas requires 25/50 / 25 liability. Minimum liability costs $500/yr in Indiana and $550/yr in Kansas.

Which state has more uninsured drivers, Indiana or Kansas?

Indiana has a higher uninsured driver rate at 14.0%, compared to 7.2% in Kansas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Indiana 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

Indiana

Kansas

Avg Annual Premium

$1,530

$1,690

Min Liability

$500

$550

Full Coverage

$1,530

$1,690

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

14.0%

7.2%

Registered Vehicles

5,564,520

2,408,340

Accidents/Year

83,467

36,125

Population

6,786,000

2,937,000