Kansas gap insurance: Everything you need to know

Gap insurance covers the difference between your car’s value and the amount you still owe if it’s totaled or stolen. It’s not required by law in Kansas, but many lenders and leasing companies require it. In Kansas, gap insurance costs an average of $2,162 per year, with Travelers offering the lowest rates.

Last updated: Feb 27, 2026

How much is gap insurance in Kansas?

On average, gap insurance in Kansas costs $2,162 a year, but rates vary by company. The cost of your vehicle also affects gap rates. Expensive or luxurious cars tend to depreciate faster than standard vehicles, meaning gap coverage would have to pay more, which increases coverage rates.

Cheapest gap insurance companies in Kansas

Travelers offers the cheapest gap insurance coverage in Kansas at $1,896 annually. Not all car insurance companies provide gap coverage, and rates differ widely by company.

See the table below to find the cheapest insurance companies for gap coverage in Kansas.

Company	Auto insurance rates with gap premium	Gap premium
Travelers	$1,896	$62
Progressive	$2,060	$29
Shelter Insurance	$2,529	$112

Read our methodology

Average gap insurance cost in Kansas by city

Salina has the lowest gap insurance rates at an average of $1,787 per year. Where you live in Kansas affects your insurance rates. Cities with higher crime and theft have higher insurance costs because your vehicle is at a greater risk of being damaged or stolen.

The table below lists the average gap insurance rates by city in Kansas.

City	Auto insurance rates with gap premium	Gap premium
Salina	$1,787	$54
Hesston	$1,789	$56
Newton	$1,797	$57
North Newton	$1,799	$57
Lecompton	$1,805	$57
Halstead	$1,808	$57
Walton	$1,822	$57
Eudora	$1,828	$58
Baldwin City	$1,850	$58
Wamego	$1,856	$59

Read our methodology

How much is gap insurance in Kansas by age group?

Gap insurance rates are higher for younger drivers because they have less experience and are more likely to take risks while driving, increasing the odds of a total loss. As drivers get older, their rates go down. For example, an 18-year-old pays an average of $7,323 per year, while a 25-year-old pays around $2,796 annually.

The table below lists the average gap insurance rates in Kansas based on age.

Age group	Auto insurance rates with gap premium	Gap premium
Teen	$7,323	$199
Young adult	$2,796	$91
Adult	$2,162	$68
Senior	$1,896	$56

Read our methodology

How does gap insurance work in Kansas?

Right after you buy or lease a new car, it depreciates, causing you to owe more than the car is worth. If your car gets totaled, your insurance company pays only the car's actual cash value. This payout may leave you still owing money on the loan. That's where gap insurance helps. If someone totals or steals your car, gap insurance pays the difference between your car's value and the amount you still owe on the loan.

"Gap is designed for people that take long-term loans and/or roll taxes, service plans, or warranties into their loan," said Zack Pope, agency manager at David Pope Insurance in Missouri. "Most gap coverages only go a certain percent over market value to pay off a loan for a totaled vehicle (typically 25%). It costs significantly less money to get gap through your insurance than to purchase it from the dealership."

For example, imagine you have a $40,000 car loan, but your vehicle's actual cash value is only $35,000. If someone steals your car, your insurance company reimburses you $35,000, minus your deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim.. Gap insurance pays the remaining $5,000 you still owe on the loan. Without gap insurance, you must cover this difference out of pocket.

Once your loan balance is lower than your car's value, you can drop gap coverage. You can cancel gap insurance anytime, but you may not be able to add it whenever you want. Most insurers require you to add the coverage soon after you buy a car.

Many lenders also require gap insurance when you take out a loan. You can buy gap coverage from your lender or car dealership, but adding it to your existing auto policy usually costs less.

Where to buy gap insurance in Kansas

Many insurance companies, including major carriers, offer gap insurance in Kansas. It's relatively easy to add coverage to your current auto insurance policy.

Adding gap coverage to your auto insurance policy is usually the most cost-effective option. While you can purchase gap coverage from most car dealers and lenders, those policies tend to be more expensive, making it a less attractive option.

Methodology

We gathered car insurance rates with and without gap insurance through our data partner, Quadrant Information Services.

Averages are annual and based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

To show the cost of gap insurance, we have compared rates with gap insurance added to the averages without gap insurance, and the difference is shown as the annual cost of gap insurance.

Rates are based on an analysis of over 5 million data points in all 50 states and Washington, D.C. from 138 companies.

Kansas gap insurance: FAQs

Is gap insurance required in Kansas?

Kansas law doesn't require gap insurance, but your lender may require it.

Who should buy gap insurance in Kansas?

You may need gap insurance in Kansas if you lease or finance a car with a small down payment. Since cars lose value faster than loans are paid off, gap insurance can protect you from owing more than your car is worth.

You don't need gap insurance if you own your car or make a large down payment.

What is standalone gap insurance in Kansas?

Standalone gap insurance is a policy of its own, not connected with your car insurance. Gap insurance is available from your lender or a private company as a separate policy.

Does gap insurance cover leased cars in Kansas?

Kansas gap insurance covers leased cars where the driver owes more than the vehicle's current market value. Over time, you may remove gap coverage once your vehicle is worth more than what is owed.