The Sunflower State has relatively low automobile insurance rates for state required minimum coverage. While the average cost of a full coverage policy may be 4.5 times higher than that of a liability-only policy in this state, it remains below the national average. Uninsured motorists are at nearly 11%, which is slightly lower than the US figure. Kansas is relatively rural with large agricultural lands and it is not densely populated with 2.9 million residents and 2 million licensed drivers. Average household income is inline with the national average that makes it a comfortable place to live in with decent income and low prices. These demographic and statistical factors may contribute to affordable auto insurance rates here.
Vehicle Insurance Requirements in KS
Kansas is a no-fault state where your Personal Injury Protection coverage pays for your and your family’s injuries up to policy limits, no matter who caused the accident. The minimum requirements for car insurance in Kansas are:
Liability Coverage
- $25,000 bodily injury per person per accident
- $50,000 bodily injury for all persons per accident
- $25,000 property damage liability
Personal injury protection (PIP or No Fault)
It includes several provisions and minimum amounts required by law are;
- $4,500/person for medical expenses
- $900/month for one year for disability/loss of income
- $25/day for in-home services
- $2,000 for funeral, burial or cremation expense
- $4,500 for rehabilitation expense
Uninsured Motorists Bodily Injury Coverage
It is part of the mandatory requirements with below minimums.
- $25,000/person for bodily injury
- $50,000/accident for bodily injury
No-fault rules limit your claim rights up to a point. Policyholders or their family can claim damages from the at-fault third party once medical bills are over $2,000 or if they suffer permanent damage or death to a family member.
If you get caught driving without insurance you may have to pay a fine between $300 – $2,500, your license and registration may be suspended and you may spend six months in jail, depending on circumstances and if this is your first or a repeat offense.
Kansas is one of only six states allowing teenagers to obtain their learner’s permits after their 14th birthday. You can find further information, read the definitions or check about carriers on the official website
Auto Insurance Prices in Kansas
The average cost of premiums for state required minimum coverage is $416, which is 33% lower than the US average. You can also get affordable full coverage automobile insurance in Kansas as the average cost is $1,878 and it is about 7% lower than the national average.
Kansas is susceptible to flooding, tornados and hail and having Comprehensive coverage vehicle insurance may provide protection against damages your vehicle suffers due to these perils.
Best Priced Car Insurance Companies in Kansas
Living in a state with affordable rates doesn’t guarantee that everybody will get cheap quotes. There are many factors that can affect how much you spend and some of those factors are your age, gender, driving records and credit score. In addition, where you live and which company you are with can make substantial difference to how much premium you pay. Below cheapest automobile insurers can help you in reducing your premium, as they are very competitive in this state.
- State Farm
- Nationwide
- Auto-Owners
- Farm Bureau
- American Family
Drivers may pay about $150 either side of the average depending on which city they live in. Surprisingly, the largest city Wichita with a population of 380,000 doesn’t have high premiums but is pretty close to the median figures. Some of the most expensive car insurance rates are in; Kansas City, Dodge City and Garden City where motorists spend about 15% more.
This is against the usual pattern in which built up areas are considered riskier and charged higher. But sometimes, lack of competition in the small towns may push the prices up and the opposite may be true in the larger locations where there is more agency presence and competition.
Noteworthy Kansas Automobile Insurance and Motoring Facts
- “No pay, no play” rules in Kansas are designed to discourage uninsured driving and limit accident compensation for uninsured drivers. If you lack insurance and are in an accident caused by another driver, their insurance covers only economic damages and not pain and suffering, unless you were uninsured for less than 45 days with a year of prior coverage.
- Chevrolet Silverado 1500 and Ford F-150 are the most popular vehicles among Kansans due to the state’s agricultural industry, which requires a solid vehicle for towing trailers, hauling equipment and supplies.
- Drivers can be cited for an unrestrained child in a vehicle. The Kansas Highway patrol provides safety seat check-ups and installations by appointment.
- Kansas boasts a flat and agriculturally ideal landscape, with motorists treated to extensive sunflower and corn fields along Interstate 70.
- The leading factors contributing to vehicle accidents in Kansas include distracted driving, speeding, driving under the influence, reckless driving, and improper lane changes.
It is highly recommended that motorists shop around by getting a few auto insurance quotes at least once a year to make sure they pay fair premiums in KS.