This page features the latest available rates and statistics for people seeking car insurance in Kansas. Here you’ll find some useful information that will help you figure out the Kansas auto insurance plan that works best for you.
Kansas Minimum Liability Coverage
The minimum required car insurance coverage for each vehicle owned in the state of Kansas is $25,000 for Personal Injury Protection (PIP), $50,000 in per-accident protection for injury to others, and $25,000 in coverage for property damage. In insurance circles, this required minimum coverage is written as 25/50/25. The minimum liability coverage for property damage recently went up in Kansas.
Penalties for Driving Without Insurance in Kansas
The penalties for getting caught driving without insurance in Kansas include fines of up to a thousand dollars and jail time of up to six months for first offenders. Multiple violations result in fines as high as $2,500, along with having your license suspended or revoked.
Auto Insurance Rates in Kansas
Car insurance premiums in the state of Kansas are affected by factors that include local weather conditions, local economy, percentage of uninsured drivers, availability of insurance companies and population density, to name a few. Other influences on annual premiums are the age, gender, marital status, occupation, driving record and vehicle owned, among other things.
The average annual premium for auto insurance in the state of Kansas was about $1,135 in 2016. This figure falls below the national average rate for car insurance, which hovered around $1,347 at that time. This is partly because Kansas has low crime, low population density and a relatively low rate of uninsured drivers.
Low Cost Car Insurance Programs in Kansas
Kansas, like most U.S. states, has numerous insurance carriers that offer discounts on auto insurance premiums. Available car insurance discounts for vehicles owned in the state of Kansas include Defensive Driving Course discounts for senior citizens, Safe Vehicle discounts for ownership of certain types of vehicles, and Good Student discounts for adults who are enrolled in school full time and demonstrating academic excellence. Other available car insurance discounts are offered for the installation of anti theft devices, for purchasing more than one insurance policy, and for insuring more than one vehicle. Ask local insurance agents about available discounts. Then run a cost comparison to find your best deal.
Obtaining Auto Insurance Quotes in Kansas
Analysis of online customer satisfaction ratings indicate that the most popular auto insurance providers in the United States are Allstate, Auto Owners Insurance, Geico, The Hartford, State Farm and 21st Century Insurance. Remember, comparison shopping is the best approach to finding the best car insurance. The state of Kansas has several dozen auto insurance carriers to choose from. Chances are they all have an agent near you.