Compare car insurance quotes from several top insurance companies and find the cheapest auto insurance rates in the state of Kansas in less than 5 minutes. Let CheapQuotesCarInsurance.com teach you everything you need to know about buying affordable auto insurance that fits your budget and your lifestyle. Learn about Kansas minimum car insurance requirements and how the cost of auto insurance in Kansas compares to the cost of auto insurance in other states. We offer top online car insurance comparison tools for Kansas residents. Car insurance rates change every year, so be sure to view quotes from at least two insurance companies and lower your car insurance premiums today.
Kansas Minimum Car Insurance Requirements:
Kansas state law requires that car insurance policies must include a minimum bodily injury liability coverage limit of $25,000 for one person in an accident and $50,000 for all persons injured per accident. The minimum property damage liability coverage limit is $10,000. These minimum coverage limits for Kansas are more commonly listed as 25/50/10. Kansas requires uninsured/underinsured motorists coverage with minimum limits of $25,000 for one person in an accident and $50,000 for all persons injured per accident for any bodily injury caused by an uninsured or underinsured driver. Kansas also requires motorists to carry minimum personal injury protection coverage of:
$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
Survivor Benefits: Disability/loss of income up to $900/month for one year
In-home services up to $25/day for one year
Kansas’s Most Common Car Insurance Coverage
|
Coverage |
Kansas Minimum Car Insurance Requirements |
Kansas Most Common Car Insurance Coverage |
|
Bodily Injury Liability |
$25,000/$50,000 |
$100,000/$300,000 |
|
Property Damage Liability |
$10,000 |
$50,000 |
|
Uninsured Motorist Bodily Injury |
$25,000/$50,000 |
$100,000/$300,000 |
|
Collision |
Not required |
$500 deductible |
|
Comprehensive |
Not required |
$250 deductible |
|
Personal Injury Protection |
$4,500/person for medical expenses |
$4,500/person for medical expenses |
The cheapest Kansas auto insurance policies will only meet the minimum state requirements for insurance coverage, but many customers will want and need more insurance coverage including: coverage for collision and comprehensive coverage. Discover which coverage is best for you.
Kansas Auto Insurance Laws
Kansas is a no fault insurance state. This means that each person’s insurance company covers their medical, lost wages, and funeral expenses that result from an accident regardless of who was at fault. There are exceptions to no-fault. If medical expenses exceed a certain amount, the at-fault driver will be responsible for paying for the damages. No-fault does not usually apply to property damage, so you may collect expenses either from your own insurance company or the other driver’s insurance company if the other driver is at fault.
Average cost of Car Insurance in Kansas
The National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute (I.I.I.) provide data about car insurance premiums for all 50 states. Kansas residents spend an average of $568 per year for car insurance (liability coverage). Kansas ranks as the 6th cheapest state to buy auto insurance. The national average is $811 per year for car insurance (liability coverage). In 2010, Kansas car insurance premiums have decreased slightly compared to 2009. Now is the time to compare auto insurance rates from multiple providers to lower your car insurance premiums.
We offer local car insurance quotes available in all of Kansas including:
Hutchinson
Kansas City
Lawrence
Manhattan
Olathe
Overland Park
Salina
Shawnee
Topeka
Wichita
Insurance companies weigh the factors that affect your car insurance rates differently so everyone’s rates will be different for each company. Smart auto insurance shoppers will compare quotes from several car insurance companies to find the cheapest car insurance quote possible. CheapQuotesCarInsurance.com has partnered with top insurance companies like Geico, Nationwide, AllState, Esurance, Liberty Mutual, and Travelers to provide our customers with affordable quotes from highly reputable insurance providers. Enter your zip code and answer several general questions about your driving history to compare Kansas auto insurance rates and save money on your auto insurance premiums.
To contact Kansas’s department of Insurance:
ksinsurance.org
Mailing address:
Kansas Insurance Department
420 South West Ninth St.
Topeka, KS 66612-1678
Phone number
(785) 296-3071
Toll-free in Kansas only
(800) 432-2484
Fax number
(785) 296-5806