Kansas vs Minnesota Car Insurance

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

Quick Verdict

More Affordable

Minnesota is $130/yr cheaper on average.

Fewer Uninsured

Kansas has a lower uninsured rate (7.2% vs 7.9%).

Rate & Coverage Comparison

Attribute	Kansas	Minnesota
Avg Annual Premium	$1,690	$1,560
Min Liability	$550	$510
Full Coverage	$1,690	$1,560
Fault System	No-Fault	No-Fault
Uninsured Rate	7.2%	7.9%
Registered Vehicles	2,408,340	4,679,740
Accidents/Year	36,125	70,196
Population	2,937,000	5,707,000

Minimum Coverage Requirements

Kansas

25/50 / 25 liability

Minnesota

30/60 / 10 liability

Premium Comparison

Kansas$550 – $1,690

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

Minnesota$510 – $1,560

Liability: $510Avg: $1,560Full: $1,560

KansasFull rates, age breakdown, requirements →MinnesotaFull 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 Minnesota?

Minnesota has cheaper car insurance, with an average annual premium of $1,560 compared to $1,690 in Kansas - a difference of $130 per year.

How do Kansas and Minnesota compare on fault systems?

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

What are the minimum insurance requirements in Kansas vs Minnesota?

Kansas requires 25/50 / 25 liability. Minnesota requires 30/60 / 10 liability. Minimum liability costs $550/yr in Kansas and $510/yr in Minnesota.

Which state has more uninsured drivers, Kansas or Minnesota?

Minnesota has a higher uninsured driver rate at 7.9%, compared to 7.2% in Kansas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Kansas vs Minnesota 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

Minnesota

Avg Annual Premium

$1,690

$1,560

Min Liability

$550

$510

Full Coverage

$1,690

$1,560

Fault System

No-Fault

Uninsured Rate

7.2%

7.9%

Registered Vehicles

2,408,340

4,679,740

Accidents/Year

36,125

70,196

Population

2,937,000

5,707,000