Tesla Model 3 Insurance Cost in Kansas
Official 2026 rate study for insuring a Tesla Model 3 in Kansas (KS). Compare full coverage against state minimum liability (25/50/25), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Tesla Model 3 in Kansas (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Kansas Auto Insurance Index)
Tesla Model 3 Rates by Model Year in Kansas
Depreciation schedule calculated for Kansas insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,963 | $164/mo | $69/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,889 | $157/mo | $69/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,820 | $152/mo | $70/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,755 | $146/mo | $71/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,695 | $141/mo | $71/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,638 | $137/mo | $72/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,585 | $132/mo | $73/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,536 | $128/mo | $74/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,489 | $124/mo | $74/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $1,446 | $121/mo | $75/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $1,406 | $117/mo | $76/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $1,368 | $114/mo | $76/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $1,332 | $111/mo | $77/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $1,299 | $108/mo | $78/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $1,269 | $106/mo | $78/mo | -35% | Consider 10% Rule (Liability Only) |
Tesla Model 3 Rates by Driver Age in Kansas
Actuarial loss-cost surcharges and discounts applied by Kansas carriers based on driver experience.
Estimated Quotes by Carrier: Tesla Model 3 in Kansas
Sample underwriting benchmarks across major carriers serving Kansas drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $157/mo | $1,884/yr | |
| Progressive | A+ | $172/mo | $2,064/yr | |
| GEICO | A++ | $154/mo | $1,848/yr | |
| Allstate | A+ | $154/mo | $1,848/yr |
Frequently Asked Questions: Tesla Model 3 Insurance in Kansas
How much does it cost to insure a Tesla Model 3 in Kansas? ▾
Full-coverage car insurance for a Tesla Model 3 in Kansas averages approximately $164 per month ($1,963 per year). Drivers opting for statutory state minimum liability (25/50/25) pay approximately $69 per month ($824 per year).
Is Tesla Model 3 insurance cheaper or more expensive in Kansas? ▾
The Tesla Model 3 is approximately 3.9% more expensive than the statewide average vehicle insurance rate of $1,890/year in Kansas. Its High actuarial risk classification and 5-star crash safety rating help keep physical damage loss ratios stable.
What are the legal minimum insurance requirements for a Tesla Model 3 in Kansas? ▾
Under Kansas insurance statutes, any motor vehicle registered in the state must carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage liability (25/50/25), plus mandatory Personal Injury Protection (PIP) of at least $4,500.
How much does a 16-year-old pay to insure a Tesla Model 3 in Kansas? ▾
A 16-year-old teen driver on a standalone policy pays approximately $409/month ($4,908/year) for full coverage in Kansas. Parents can substantially lower this surcharge by adding the young driver to a family multi-car policy and submitting good student grade transcripts.
When should I drop full coverage on an older Tesla Model 3 in Kansas? ▾
Apply the actuarial 10% Rule: if the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), consider switching to state minimum liability only. In Kansas, this typically occurs around model year 2018 or older.
Compare Tesla Model 3 Insurance Across Other States
See how insurance rates for the Tesla Model 3 vary across different state statutory jurisdictions.