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Kansas Auto Insurance

As a resident of the Sunflower state of Kansas, you know that before you start your engine, you must purchase Kansas Auto Insurance to protect you and your family in case of an accident.  But even though you are required to buy car insurance, you still want to find the lowest price possible for the best policy available.  Fortunately, it’s easy to shop and compare rates, thanks to Insurance-Rates-Online.  Just by entering your zip code in the box below, you can instantly learn about companies offering auto insurance in Kansas, so you can compare rates and find the right insurance policy to fit your needs.

Minimum Requirements for Kansas Auto Insurance

As a state, Kansas has average minimum requirements for auto liability insurance:

  • $25,000 for bodily injury liability coverage for a single person
  • $50,000 for bodily injury liability coverage for an accident
  • $10,000 for property damage caused by an accident

Kansas is a no-fault insurance state which means that your insurance policy covers your medical bills following an accident.  Therefore Kansas residents are also required to purchase Personal Injury Protection (PIP) and here the state minimum coverage requirements are more extensive than other states; $4500 for medical expenses, $25/day for in-home services, and $900/month up to 12 months for disability/loss of income.  Your PIP policy must also include survivor benefits of $900/month for one year for loss of income or disability, plus $25/day for in-home services for a period of up to one year.

Kansas car owners are also required to carry uninsured/underinsured motorists insurance of $25,000 per person and $50,000 per accident in case you are in an accident with a motorist who carries too little or no auto insurance.

Collision insurance, which repairs your car in case of an accident, or comprehensive insurance, which repairs damage caused by other things, like storm damage, theft, collision with animals, etc, is not required by the state of Kansas.  However, if your car is leased or you have a car loan, the lender will require you to carry both types of coverage to protect their investment.

Is Kansas Minimum Auto Insurance Enough?

The decision of how much auto insurance is enough is strictly yours, but there are things to consider as you make your choice.  First of all, auto insurance will only pay up to the amount of your coverage, and you are responsible for any additional costs beyond that amount.  Since medical bills can add up so quickly, how long do you think it would take to exhaust $50,000 in liability coverage if several people were injured in an accident which was your fault? 

The purpose of insurance is to protect your family and property; having too little auto insurance puts your home, savings, and retirement at risk. For just a few dollars more, think about buying a Kansas auto insurance policy which offers $100,000 per person, $300,000 per accident, and $50,000 in property damage.  We’ll help you find other ways to control auto insurance rates and make your policy fit your budget.

Factors Affecting Kansas Car Insurance Rates

Each auto insurance company uses basically the same factors to determine rates, although each company weighs factors differently.  Those factors include:

  • Gender – Women traditionally are less expensive to insure than men
  • Age – Under 25 drivers or senior citizens can cost more.
  • Marital Status – Married drivers statistically have fewer accidents than unmarried drivers.
  • Driving record of all drivers listed on the policy – good drivers pay less.
  • Car make and model – after an accident, will your car be expensive to repair?
  • Home address – insurance companies keep track of claims by zip code, so if your neighbors are accident prone, you may pay more for your insurance as a result.
  • Prior insurance coverage – were you ever dropped by another car insurance provider for poor payment history?

Ways to Save on Car Insurance in Kansas

There are many ways to lower the cost of your Kansas car insurance premiums, so make sure you explore all of these ideas to ensure the lowest possible cost.

The top way to reduce Kansas auto insurance rates is by comparison shopping.  Get free quotes from three to five different auto insurance providers to see who is offering you the best deal.  You could be quite surprised at the variety of rates you are offered.

  • Raise the deductible – increase your deductible as much as you can afford.  You’ll be amazed at how much rates can decrease by increasing your deductible from $250 to $500 or even $1000.
  • Maintain a good driving record – Good drivers pay much lower premiums. Insurance companies will review driving records for the past three to five years.  So drive carefully, avoiding accidents and tickets, and your rates will reflect this.
  • Take good care of your credit – People with good credit also tend to be better drivers, so pay all your bills on time, not just your insurance premium.
  • Combine home and auto policies – Your rates will also be lower if you
  • Ask for discounts – you’ll be amazed at all of the discounts available for everything from your alma mater to your professional organizations.  Don’t be afraid to ask for the full list.  Some of the most common discounts are:
  • Multiple vehicles on the same policy
  • Good student discount for teenage and college age drivers
  • Anti-theft devices, airbags, anti-lock braking systems
  • Motor vehicle accident prevention courses
    Low annual mileage

Safe and Secure Shopping for Kansas Car Insurance

Now that you know how much insurance you need to buy, and how to find the best possible price, it is time to start shopping for your Kansas auto insurance policy.  The first step is to enter your zip code in the box below to obtain a list of companies offering car insurance in your area.  Select the three to five that sound best to you, and request a free quote.  In no time at all, you’ll have the information you need to choose a new policy at a great rate.  Then all you have to do is decide what to do with all the money you’ve saved!  What are you waiting for?  Enter your zip code now.


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