Kansas auto insurance laws require many different types of coverage. Make sure you understand what you're paying for.
This guide:
• Explains Kansas car insurance regulations and requirements
• Describes how Kansas auto insurance rates are decided
• Shows you how you can save money by comparing multiple quotes
Instant Online Quotes:
Save $300-400 or more with discount rates from all major insurance carriers, as well as local companies in
Kansas.
Fill out just one form to compare up to five discount quotes.
To start, tell us if you currently have insurance:
Kansas auto insurance laws
Kansas is a no fault state, which means that every driver must carry personal injury protection (PIP) coverage. In the event of an accident this policy provides for some of the holder's expenses, regardless of who was at fault in the accident.
In Kansas, the required PIP package includes coverage for:
• $4,500 in medical expenses per person • $900 per month for loss of income (max. 1 year) • $25 per day for in-home assistance • $2000 in funeral expenses • $4,500 in rehabilitation expenses • some loss of income "survivor benefits"
Kansas drivers may only sue for damages if the injuries sustained cost more than $2,000, or meet certain state standards for severity.
Kansas auto insurance laws also require liability coverage, in the amount of 25/50/10. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $10,000 for damage you cause to the other party's property.).
Finally, Kansas auto insurance laws require uninsured and underinsured motorist bodily injury coverage. The minimums on their coverage are 25/50, ($25,000 per person injured, up to $50,000 total). This policy helps cover the cost of your injuries should you be struck by a driver with inadequate liability insurance.
Kansas auto insurance companies will also offer optional coverages such as comprehensive and collision.
Sidebar If you are a Kansas resident, you might be able to save on your policy premium by visiting Electric Insurance. Their policies are available only to better drivers, whose credit and driving records could be described as being at least good.
For better or for worse, the price of Kansas auto insurance is decided by the behavior of the state's drivers as a whole. Kansas auto insurance companies take the cost of insuring Kansas drivers (this includes settlements and legal fees) and divide it up among the drivers.
But the cost isn't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.
Of course, not all auto insurance providers figure their percentages the same way. So they'll charge different rates on the same driver.
What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on a Kansas auto insurance policy.
• Netquote is a service that provides quotes directly from local agents in your area, who can help you design a policy according to your needs and requirements.
• Geico - Great for those who can't find other insurance. Be sure to complete the entire quote form!
• Get a quote using your ZIP Code to find local and national insurers who offer discounts in your area:
To speed up the process, you might wish to have some information required for an online quote ready before you begin.
More KS car insurance help
If you want more help designing your KS auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains loads of money-saving tips, too.
To find out more about KS auto insurance laws and regulations, visit the state's official website of the Kansas Department of Commerce and Consumer Affairs, Insurance Division, or read our short guide to no fault auto insurance.
Free Auto Insurance Course!
Learn how to save the most money on your next policy with our free insurance course. Learn how to set the right coverage levels, what options to avoid, and the general philosophy of insurance, that will keep you saving for years to come. Sign up here:
Sign up for our free email course to learn the step-by-step process that will help you get the best auto insurance coverage for the least amount of money.
Sign up here:
We will not sell your address or send you junk. Privacy policy.
