For a 40-year-old driver with a clean record, car insurance in Lenexa, KS, averages about $209 a month ($2,509 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That puts it 6% under Kansas’ $222 monthly average. Among insurers anyone can buy from, Travelers has the lowest full-coverage average in our Lenexa table, about $145 a month, effectively tied with GEICO’s $149.
Lenexa, in Johnson County between Shawnee and Olathe, costs about $13 a month less than the Kansas average for our benchmark driver, about the same as Shawnee ($210) and Leawood ($209).
Compare Lenexa insurance quotes with your ZIP code in mind: prices rise from east to west across the four ZIP codes with a Lenexa mailing address, from about $206 a month in 66215, the easternmost, to $214 in 66227, the westernmost. Census Bureau maps show that 66227 also covers part of Shawnee, and that some Lenexa addresses use Shawnee ZIP codes 66216, 66217 and 66218.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Lenexa ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 10, 2026.
Auto insurance in Lenexa, KS, costs about $209 a month ($2,509 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $789 a year ($66 a month), and 50/100/50 liability with comprehensive and collision averages $2,430 ($203 a month).
The statewide Kansas rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the nine, all five published in 2026, put it first, apart from USAA, which sells only to military families. Two of the others put GEICO first, one State Farm and one Nationwide. For liability-only coverage at 25/50/10 limits, averages among these six insurers run from about $34 to $95 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Lenexa
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $412 | $34 | $1,998 | $167 |
| State Farm | $645 | $54 | $2,179 | $182 |
| American Family | $958 | $80 | $2,371 | $198 |
| Farmers | $943 | $79 | $2,594 | $216 |
| Farm Bureau Financial Services | $634 | $53 | $2,734 | $228 |
| Allstate | $1,140 | $95 | $3,178 | $265 |
| USAA (military families)* | $474 | $40 | $1,290 | $108 |
| Travelers* | $714 | $60 | $1,739 | $145 |
| GEICO* | $566 | $47 | $1,792 | $149 |
| Shelter Insurance* | $1,093 | $91 | $2,321 | $193 |
| Lenexa average | $789 | $66 | $2,509 | $209 |
This table uses Lenexa ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the four Lenexa ZIP codes we price, full coverage for our driver ranges from about $206 a month in 66215 to $214 in 66227, a gap of $93 a year. 66219 averages about $207 and 66220 about $210, so each step west adds only a few dollars a month. The two western ZIP codes, 66220 and 66227, are the ones above the Johnson County average of $209.
Lowest-priced Lenexa ZIP codes
Highest-priced Lenexa ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Lenexa’s average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 66215 | $817 | $68 | $2,470 | $206 | -1% |
| 66219 | $794 | $66 | $2,488 | $207 | -1% |
| 66220 | $783 | $65 | $2,515 | $210 | About average |
| 66227 | $761 | $63 | $2,563 | $214 | +2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $79 a year on average in our Lenexa data, with the same $500 deductibles. That’s about $7 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
For our benchmark driver, full coverage isn’t going up. Comparing the five insurers that are in both sets of rates, in the same Lenexa ZIP codes, their full-coverage average fell from $2,575 a year 10 months earlier to $2,375 in rates as of Sept. 30, 2026, a 7.8% drop. American Family cut its Lenexa average 28.3% and State Farm 8.0%, while Farmers raised its average 5.1%; Farm Bureau Financial Services’ and Progressive’s averages were unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the Lenexa average above. Liability-only coverage at 25/50/10 limits rose 3.8%, led by Farmers, which raised its liability-only average 20.6%.
Lenexa is in Johnson County, which averages about $209 a month for full coverage, the same as Lenexa. De Soto, about 13 miles west, averages $207, and Olathe, about seven miles southwest, $203.
Kansas City, Kansas, about 12 miles northeast, averages $256, about $47 a month more than Lenexa for the same driver and car.
More Kansas cities and towns are in the Kansas rates by city table, and you can compare states on our car insurance rates by state page.
Shawnee, about five miles north, averages $210 a month, and Overland Park, about four miles northeast, $211. Prairie Village, farther northeast, averages $212.
Drivers in Lenexa follow Kansas’ rules. Every Kansas policy must include at least:
Our guide to Kansas car insurance requirements covers the no-fault rules, proof of insurance and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from Kansas law and the Kansas Department of Insurance. We refresh these figures when new rate data is released.
Auto insurance in Lenexa, KS, costs about $209 a month ($2,509 a year) for full coverage and $66 a month for liability only at 25/50/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 6% below the Kansas average of $222 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Lenexa table, at about $145 a month, effectively tied with GEICO at $149. USAA, which sells only to military families, is lower still, at about $108 a month. Among the six major insurers we compared, Progressive has the lowest full-coverage average, at about $167 a month, with State Farm close behind at $182. For liability-only coverage at 25/50/10 limits, averages among the six major insurers we compared run from about $34 to $95 a month. Five of the nine statewide Kansas rate studies we reviewed, all five published in 2026, rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
They’re about the same for our benchmark driver: Lenexa full coverage averages about $209 a month and Shawnee about $210.
In our data, 66215 has the lowest full-coverage average in Lenexa, at about $206 a month, and 66227 the highest, at about $214. The ZIP code table on this page lists all four.
In our Lenexa data, full coverage (100/300/100 with $500 deductibles) averages about $209 a month and liability-only coverage at 25/50/10 limits about $66, a difference of about $143 a month ($1,720 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Kansas law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past 10 months), their Lenexa full-coverage average fell 7.8%, from about $2,575 to $2,375 a year. That’s lower than the Lenexa average of $2,509 because it leaves out Allstate. American Family cut its Lenexa average 28.3% and State Farm 8.0%, while Farmers raised its average 5.1%. Liability-only coverage at 25/50/10 limits rose 3.8%.
For our benchmark driver, full coverage in Lenexa averages about $209 a month. Nearby, Overland Park averages about $211, Shawnee about $210 and Prairie Village about $212. Lenexa is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
