Kansas vs Oregon Car Insurance

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

Quick Verdict

More Affordable

Oregon is $10/yr cheaper on average.

Fewer Uninsured

Kansas has a lower uninsured rate (7.2% vs 8.4%).

Rate & Coverage Comparison

Attribute	Kansas	Oregon
Avg Annual Premium	$1,690	$1,680
Min Liability	$550	$550
Full Coverage	$1,690	$1,680
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	7.2%	8.4%
Registered Vehicles	2,408,340	3,475,160
Accidents/Year	36,125	52,127
Population	2,937,000	4,238,000

Minimum Coverage Requirements

Kansas

25/50 / 25 liability

Oregon

25/50 / 20 liability

Premium Comparison

Kansas$550 – $1,690

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

Oregon$550 – $1,680

Liability: $550Avg: $1,680Full: $1,680

KansasFull rates, age breakdown, requirements →OregonFull 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 Oregon?

Oregon has cheaper car insurance, with an average annual premium of $1,680 compared to $1,690 in Kansas - a difference of $10 per year.

How do Kansas and Oregon compare on fault systems?

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

What are the minimum insurance requirements in Kansas vs Oregon?

Kansas requires 25/50 / 25 liability. Oregon requires 25/50 / 20 liability. Minimum liability costs $550/yr in Kansas and $550/yr in Oregon.

Which state has more uninsured drivers, Kansas or Oregon?

Oregon has a higher uninsured driver rate at 8.4%, compared to 7.2% in Kansas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Kansas vs Oregon 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

Oregon

Avg Annual Premium

$1,690

$1,680

Min Liability

$550

Full Coverage

$1,690

$1,680

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

7.2%

8.4%

Registered Vehicles

2,408,340

3,475,160

Accidents/Year

36,125

52,127

Population

2,937,000

4,238,000