Cheap Kansas Auto Insurance for 2024

Understanding auto insurance in Kansas is important to be sure you’ve purchased the right coverage. Drivers in Kansas must carry mandatory insurance coverages to be able to legally drive in the state. Before you buy Kansas auto insurance, read the guide below to be sure you know what coverage you need.

To find affordable Kansas auto insurance right now, enter your ZIP code above for fast, free Kansas auto insurance quotes.

Kansas Insurance Laws and Requirements

All drivers on Kansas roads must comply with the state’s auto insurance laws. That means carrying a minimum amount of auto insurance.

In Kansas, the state liability coverage minimums are:

• Bodily Injury Liability Coverage – $25,000 per person
• Bodily Injury Liability Coverage – $50,000 per accident
• Property Damage Liability Coverage –  $10,000 per accident

Take a look at how Kansas’s minimum rates compare with surrounding states.

You also need to carry uninsured/underinsured Motorist coverage, with minimums of:

• Bodily Injury – $25,000 per person
• Bodily Injury – $50,000 per accident

The final required coverage in Kansas is Personal injury Protection (PIP), with minimums of:

• $4,500 medical treatment and injury costs per person
• $900 per month for loss of income for one year
• $25 per day for in-home services
• $4,500 rehabilitation coverage per person
• $2,000 funeral expenses

In addition to the required coverage, drivers can choose from these optional coverages in Kansas:

• Comprehensive Coverage
• Collision Coverage
• Rental Car Reimbursement Coverage
• Roadside Assistance / Towing Coverage

Bodily injury liability insurance covers the medical treatment costs for the other parties in an accident where you are at fault for causing the accident. Other costs covered by this insurance policy include rehabilitation costs, lost wages, and funeral expenses. State law requires that drivers purchase a minimum coverage of $25,000 per person, per accident, and $50,000 for all parties in a single accident.

Property damage liability insurance is similar to BIL insurance except it covers costs associated with damages to the other person’s automobile and surrounding property when you cause an accident. For instance, if you were to cause a crash that damages another person’s car your property damage liability insurance would pay out claims for body work and other repairs. Minimum coverage for Property Damage Liability is $10,000.

Personal injury protection (PIP) insurance is the “no-fault” part of the Kansas system. This policy pays out for medical treatment and injury costs for the driver that holds the insurance and their passengers, regardless of who is at fault for the accident. A minimum of $4,500 rehabilitation coverage per person, per accident in PIP coverage is required, as well as $900 per month for loss of income and $2,000 for funeral expenses. It’s recommended to increase your PIP coverage by as much as you can afford, to avoid any unnecessary out-of-pocket expenses should you be involved in an accident.

Finally, Kansas law also requires that drivers purchase uninsured motorist coverage. This insurance acts much like Bodily Injury Liability insurance, except it covers the policy holder and their passengers when they are in an accident caused by a driver with no insurance. Like BIL, the mandatory minimum coverage for UMP is $25,000 per person, per accident, and $50,000 for all parties in a single accident.

Kansas Auto Insurance Rates

On average, Kansas auto insurance rates are very competitive with those in the rest of the country. Statewide, the majority of drivers in Kansas actually pay less than the national average of $1440 per year, coming in at around $1267 or about $105 per month.

Drivers in Kansas’ major cities will of course pay a bit more, thanks to the increased accident and theft risk involved. Those in Overland Park are looking at an average of $1588 per year for auto insurance, and drivers in Wichita will pay an average of $1715 per year.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

Kansas Auto Insurance Rates by Company

With average overall rates, it pays to shop around for different providers. Let’s take a look at how rates vary between some of the largest companies.

But which companies are the largest, holding the most market share percentage in the region?

Theft and Accident Statistics

Vehicle accident trends in Kansas are looking very positive, which will help bring down car insurance rates throughout the state as fewer crashes mean fewer insurance claims and payouts. In 2008, Kansas saw a statewide total of 65,858 crashes, with 385 fatalities reported. T

hese numbers represent a considerable drop from just a year prior, during which a total of 70,589 crashes and 416 fatalities were reported. It’s very rare to see a nearly double-digit drop in crash totals in just a single year; it’s very clear that law enforcement initiatives to help encourage safer driving, as well as Kansas drivers showing more care on the roads, are leading to a reduction in crashes, injuries and fatalities.

News is also pretty stellar when auto theft rates in Kansas are considered. In 2009, just 5,954 vehicles were reported stolen throughout the state; this compares to 7,418 a year prior and is a significant decrease. Auto thefts in Kansas peaked just a few years ago in 2005, when a record 9,338 automobiles went missing.

Since then, the state has seen a 36% reduction in auto thefts, which is spectacular given that it took just four years to accomplish. Again, this drop can be attributed to an increased law enforcement presence deterring auto thieves, as well as drivers going the extra mile and ensuring their vehicles are protected from theft.

With thefts and crashes trending downward in Kansas, it’s likely the state will continue to enjoy reduced auto insurance premiums for quite some time. Don’t forget that there are a number of Kansas car insurance companies on the market, and many will have discounts available for individuals that qualify. Spend a bit of time doing research, and you’re likely to save money on your auto insurance in Kansas,

Kansas Auto Insurance Agents

Take a look at the list below for auto insurance agents near you.

Kansas Auto Insurance Agents

• Get Affordable Dexter, KS Auto Insurance Quotes (2024)
• Get Affordable Edna, KS Auto Insurance Quotes (2024)
• Get Affordable Hartford, KS Auto Insurance Quotes (2024)
• Get Affordable Haysville, KS Auto Insurance Quotes (2024)
• Get Affordable Oakley, KS Auto Insurance Quotes (2024)
• Get Affordable Shawnee Mission, KS Auto Insurance Quotes (2024)

Additional State of Kansas Auto Insurance Resources

For official sources of Kansas insurance and driver information, check out the resources below.

• Kansas Department of Revenue – Division of Vehicles
• The official Website of the Kansas Insurance Department
• Introduction to Auto Insurance – Kansas Insurance Department
• Kansas Highway Safety Laws

To compare Kansas auto insurance quotes right now, enter your ZIP code below.

Best Auto Insurance Agents in Kansas

Discovering the optimal auto insurance coverage in Kansas demands navigating through a myriad of options. Unveil the premier auto insurance agents spanning from Dexter to Shawnee Mission, ensuring comprehensive protection tailored to your needs.