The Sunflower State has relatively low car insurance rates for state required minimum coverage. Drivers may have to pay 4.5 more for a full coverage policy but it is still 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 contribute to affordable auto insurance rates here.
Vehicle Insurance Requirements in KS
Here are the limits and provisions that must be complied with;
Kansas is a no-fault state where your Personal Injury Protection coverage pays for your and the family’s injuries up to a limit, no matter who caused the accident. Laws mandate that every policy sold must have these minimums;
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.
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 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
Number of traffic accidents and deaths in the Sunflower State doesn’t appear to be alarming in comparison to US averages. This fact helps underwriters in keeping the premiums low. However, motorists should be extra careful in rural roads where more deaths occur in comparison to urban accidents.
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.
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 at the moment.
- Allied
- Hartford
- State Farm
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.