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Finding Cheap Auto Insurance in Kansas

Kansas drivers looking to save on their auto insurance bills would do well to shop around. As you will see, auto insurance rates vary widely from company to company. We evaluated 11 major insurance companies to find the best rates for a variety of drivers.

Cheap auto insurance in Kansas for good drivers

If you’re in the military or you’re a veteran with an exceptional driving record, USAA is your best bet for great rates. If you’re not in the military, State Farm Auto Insurance and Travelers has the best Kansas auto insurance rates for good drivers among the companies we surveyed.

Cheap Car Insurance In Kansas For Speeding Drivers

Some insurance companies frown on speeding tickets, which usually means higher premiums. If you have a speeding ticket on file and need a better rate, get quotes for State Farm and Travelers. Military personnel and veterans alike can find good rates with USAA auto insurance.

Cheap Auto Insurance In Kansas For Drivers In An Injury Crash

Kansas drivers who were in a car crash that injured someone else pay on average about $ 770 more per year than drivers with good records. If you’ve caused an accident, State Farm and Travelers may have competitive rates. Military and veterans alike can find cheaper rates at USAA.

Cheap Auto Insurance In Kansas For Drivers With A DUI

A DUI conviction will cost you legally and also in Kansas auto insurance rates. But you can still find competitive prices while shopping. Get State Farm and Progressive auto insurance quotes, which had the lowest rates in our analysis.

Cheap Auto Insurance In Kansas For Drivers With Low Credit

Bad credit can be a costly problem for Kansas car owners. If you have poor credit, your best bet is to shop around for better rates. Check out quotes from Travelers, State Farm, and Progressive. If you are in the military, USAA has the cheapest rates for drivers with low credit.

Cheap Auto Insurance In Kansas For Drivers Without Insurance

Getting stuck behind the wheel without insurance makes you a risky driver in the eyes of insurers, which usually means you’ll pay more for auto insurance. If you are looking for auto insurance in Kansas, get quotes from State Farm and Farm Bureau Mutual. Military and veterans alike can find competitive rates at USAA.

The cheapest vehicles for insurance in Kansas

Depending on the type of car you own, you can save money on auto insurance. In Kansas, the Jeep Compass Latitude, Honda CR-V LX, and Jeep Wrangler JL Sport are among the cheapest vehicles for insurance, based on average prices of the top 50 selling 2021 models.

The most expensive cars for insurance in Kansas among the popular models are the Tesla Model 3 Standard Plus ($ 2,367 per year) and the Tesla Model S Performance / Plaid ($ 4,004 per year).

Related: The most expensive and cheapest cars to insure nationwide

Minimum auto insurance required in Kansas

Kansas requires a minimum amount of liability insurance, personal injury protection, and uninsured motorist insurance. Let’s take a look at each type of coverage and the amount required.

Automobile liability insurance. This is essential coverage that pays others for the damage and injury you cause. It also covers legal defense if someone takes legal action against you because of a car accident. Car owners in Kansas must purchase liability insurance with at least:

  • $ 25,000 for bodily injury to a person
  • $ 50,000 for bodily injuries to more than one person in a single accident
  • $ 25,000 for property damage in an accident

Here’s the problem: The minimum liability requirements in Kansas aren’t enough. If you cause an accident with multiple injuries, medical bills could quickly exceed minimum policy limits and you could be sued for the rest. The best strategy is to protect your net worth. If you have assets (like a house) and a savings account, it makes sense to purchase auto liability insurance with much higher limits.

Injury Protection (PIP). This coverage covers medical expenses for you and your passengers injured in a car accident, regardless of who was at fault. PIP also covers rehabilitation costs, funeral costs, lost wages, and home assistance for tasks that you cannot perform due to injury. Car owners in Kansas must purchase PIP coverage with at least:

  • $ 4,500 per person for medical expenses
  • $ 900 per month for one year for disability and loss of income
  • $ 25 per day for home services
  • $ 2,000 for funeral, burial or cremation costs
  • $ 4,500 for rehabilitation costs
  • $ 900 per month for one year for disability and loss of income
  • $ 25 per day for home services

Coverage for uninsured / underinsured motorists. Uninsured Motorists (UM) coverage covers you when a driver hits you and they don’t have liability insurance. Underinsured Motorists (UIM) coverage covers you when a driver hits you and doesn’t have enough car insurance.

These types of coverage pay medical bills, rehabilitation, and funeral expenses for you and your passengers when someone hits you and they don’t have (or enough) liability insurance. It also covers hit-and-run accidents, and you and your family if you are struck as a pedestrian or while cycling.

Car owners in Kansas must purchase UM / UIM insurance with at least:

  • $ 25,000 for bodily injury to a person
  • $ 50,000 for bodily injuries to more than one person in a single accident

You can refuse UM / UIM coverage that exceeds the minimum amount.

What else should I have?

Collision and multi-risk insurance. These types of insurance cover a range of issues. If you have a car accident or your car rolls over, collision insurance covers the repairs. Comprehensive coverage covers auto theft and damage from issues like vandalism, riots, fires, floods, falling objects, and collisions with animals like birds and deer.

Collision and full coverage are generally sold as a set. Although they are not required, if you have an automobile loan or lease, your lender or leasing company will likely need them.

Summary: Mandatory Auto Insurance in Kansas

Can I show my insurance ID card from my phone?

In Kansas, you can show an auto insurance ID card from a phone. Check with your auto insurance company to see if they have a mobile app that includes access to electronic insurance ID cards.

Factors Allowed In Kansas Auto Insurance Rates

Auto insurance companies typically use driving records, past claims, vehicle model, and more when setting rates. In Kansas, businesses can also use these factors.

How many uninsured drivers are there in Kansas?

About 11% of Kansas drivers do not have auto insurance, according to the Insurance Research Council.

If an uninsured driver hits you, you can try to pursue them. Or you can use your own uninsured motorist coverage for personal injury and your collision coverage for vehicle damage.

Penalties for driving without automobile insurance

If you are caught driving without insurance in Kansas, you could be fined between $ 300 and $ 1,000. If you get caught a second or more time within three years of the previous offense, you can expect a fine of $ 800 to $ 2,500.

When can a vehicle be totaled in Kansas?

A vehicle can be totaled in Kansas when the damage exceeds 75% of the vehicle’s value at the time of the accident.

Resolve insurance issues

The Kansas Department of Insurance is responsible for overseeing insurance companies and helping Kansas insurance consumers. If you have an unresolved issue with your insurance company, you can file a complaint.

Methodology

To find the cheapest auto insurance companies in Kansas, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a driver with a clean criminal record insuring a Toyota RAV4 with $ 100,000 of bodily injury liability coverage per person, $ 300,000 per accident and $ 100,000 of property damage liability, coverage for uninsured motorist and any other coverage required in the state. The rate also includes collisions and comprehensive risks with a deductible of $ 500.

The companies assessed for Kansas were Allstate, Auto-Owners Insurance, Farm Bureau Mutual, Farmers, MetLife, Progressive, Sentry, Shelter, State Farm, Travelers, and USAA.

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