Kansas vs New York Car Insurance

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

Quick Verdict

More Affordable

Kansas is $630/yr cheaper on average.

Fewer Uninsured

New York has a lower uninsured rate (6.1% vs 7.2%).

Rate & Coverage Comparison

Attribute	Kansas	New York
Avg Annual Premium	$1,690	$2,320
Min Liability	$550	$760
Full Coverage	$1,690	$2,320
Fault System	No-Fault	No-Fault
Uninsured Rate	7.2%	6.1%
Registered Vehicles	2,408,340	16,564,819
Accidents/Year	36,125	248,472
Population	2,937,000	20,201,000

Minimum Coverage Requirements

Kansas

25/50 / 25 liability

New York

25/50 / 10 liability

Premium Comparison

Kansas$550 – $1,690

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

New York$760 – $2,320

Liability: $760Avg: $2,320Full: $2,320

KansasFull rates, age breakdown, requirements →New YorkFull 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 New York?

Kansas has cheaper car insurance, with an average annual premium of $1,690 compared to $2,320 in New York - a difference of $630 per year.

How do Kansas and New York compare on fault systems?

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

What are the minimum insurance requirements in Kansas vs New York?

Kansas requires 25/50 / 25 liability. New York requires 25/50 / 10 liability. Minimum liability costs $550/yr in Kansas and $760/yr in New York.

Which state has more uninsured drivers, Kansas or New York?

Kansas has a higher uninsured driver rate at 7.2%, compared to 6.1% in New York. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Kansas vs New York 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

New York

Avg Annual Premium

$1,690

$2,320

Min Liability

$550

$760

Full Coverage

$1,690

$2,320

Fault System

No-Fault

Uninsured Rate

7.2%

6.1%

Registered Vehicles

2,408,340

16,564,819

Accidents/Year

36,125

248,472

Population

2,937,000

20,201,000