Kansas vs Kentucky Car Insurance

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

Quick Verdict

More Affordable

Kansas is $510/yr cheaper on average.

Fewer Uninsured

Kansas has a lower uninsured rate (7.2% vs 13.8%).

Rate & Coverage Comparison

Attribute	Kansas	Kentucky
Avg Annual Premium	$1,690	$2,200
Min Liability	$550	$720
Full Coverage	$1,690	$2,200
Fault System	No-Fault	No-Fault
Uninsured Rate	7.2%	13.8%
Registered Vehicles	2,408,340	3,694,920
Accidents/Year	36,125	55,423
Population	2,937,000	4,506,000

Minimum Coverage Requirements

Kansas

25/50 / 25 liability

Kentucky

25/50 / 25 liability

Premium Comparison

Kansas$550 – $1,690

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

Kentucky$720 – $2,200

Liability: $720Avg: $2,200Full: $2,200

KansasFull rates, age breakdown, requirements →KentuckyFull 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, Kansas or Kentucky?

Kansas has cheaper car insurance, with an average annual premium of $1,690 compared to $2,200 in Kentucky - a difference of $510 per year.

How do Kansas and Kentucky compare on fault systems?

Kansas uses a no-fault system while Kentucky uses a no-fault system. Both states use the same system.

What are the minimum insurance requirements in Kansas vs Kentucky?

Kansas requires 25/50 / 25 liability. Kentucky requires 25/50 / 25 liability. Minimum liability costs $550/yr in Kansas and $720/yr in Kentucky.

Which state has more uninsured drivers, Kansas or Kentucky?

Kentucky has a higher uninsured driver rate at 13.8%, compared to 7.2% in Kansas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Kansas vs Kentucky 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

Kansas

Kentucky

Avg Annual Premium

$1,690

$2,200

Min Liability

$550

$720

Full Coverage

$1,690

$2,200

Fault System

No-Fault

Uninsured Rate

7.2%

13.8%

Registered Vehicles

2,408,340

3,694,920

Accidents/Year

36,125

55,423

Population

2,937,000

4,506,000