Cheap Kansas Car Insurance

Across the Sunflower State, there are 286,642 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Cheap Car Insurance

Cheap Insurance for Good Drivers in Kansas

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Kansas drivers without a recent moving violation typically save 16% on their car insurance premiums, near the national average of 17%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Cheap Insurance for Young Drivers in Kansas

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Kansas is a relatively affordable state for teen drivers: the typical teen driver pays $4,139 per year — about $800 less than the national average for teens, but still far more than the Kansas driver average across all age groups.

Cheap Car Insurance for Bad Drivers in Kansas

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 24% after a DUI, 26% after an at-fault accident, and 16% after a speeding ticket in Kansas. The post-citation penalties assessed by car insurance companies in Kansas are lower than nationwide averages, especially after a DUI citation. If you have a clean driving record, be on the lookout for good-driving discounts from your insurer.

What are the Best Car Insurance Companies in Kansas?

Every car insurance company advertises its low prices. But as with any product, the most affordable auto insurance isn't always the best choice. Considering the financial stakes, it's worth doing your homework to discover the policy that covers your car adequately after a collision. Be on the lookout for the best value, rather than settling for the cheapest auto insurance in your state.

Review top insurance companies' financial stability and claims satisfaction ratings to better understand the level of service you will receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — evaluates an insurer's financial stability and ability to meet its policy and contractual obligations.

What is the Best Auto Insurance Coverage in Kansas?

The minimum required level of insurance in Kansas is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

For the minimum required coverage in Kansas, expect to owe an average of $480 per year. This is cheaper than the U.S. average by 27%. If you elect better coverage, you can select a policy with comprehensive and collision coverage, which will protect against damages incurred by car collisions, theft and vandalism, or weather incidents. Better coverage comes with a cost: in Kansas, a comprehensive policy with a $1,000 deductible costs $1,199, 150% more than basic insurance coverage. For a comprehensive policy with a $500 deductible, expect to pay 198% more than you would for basic coverage.

Analyze average rates for liability-only and comprehensive coverage levels in the following table.

Car Insurance Laws

State minimum insurance requirements in Kansas

In Kansas, the state minimum coverage requirements are as follows:

Liability

• Bodily Injury $25,000 per person
• Bodily Injury $50,000 per accident
• Property Damage $25,000 per accident

Uninsured/Underinsured Motorist

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

Personal injury Protection (PIP)

• $4,500 medical expense per person
• $900 per month income loss for one year
• $25 per day at-home services
• $4,500 rehabilitation expense per person
• $2,000 funeral expense per person

Optional coverage in Kansas (varies by carrier):

• Comprehensive
• Collision
• Loan/Lease Payoff
• Medical Payments
• Rental Car Reimbursement
• Roadside Assistance

Liability coverage is legally required in Kansas and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Kansas, the minimum is listed as 25/50/25 and explained below:

• $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
• $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
• $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured/Underinsured Motorist coverage is legally required in Kansas and pays for injuries that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Kansas, the minimum is listed as 25/50 and explained below:

• $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
• $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In Kansas, the PIP coverage limits listed above can be increased for more protection.

Even though Kansas is considered a “no-fault” state, drivers can still sue in the event of medical bills exceeding $2,000 or permanent disfigurement or death resulting from auto accidents.

Kansas is a no-fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. As a bonus, it guarantees every driver immediate medical treatment in the event of an accident.

Kansas Car Insurance FAQs

What do Kansas car insurance rules state about loaning a car?

There is no Kansas law regarding loaning your car to someone — the legality of this depends on your insurance company's policy. Many car insurance policies have a stipulation referred to as "permissive use." This extends coverage to an individual who uses the vehicle infrequently but does not live at the listed residence. The definition of "infrequently" depends on carrier-specific requirements. Your best option is to speak with an insurance agent at your current provider.

Is car insurance required in Kansas?

Yes. Car insurance is required in Kansas in order for a vehicle to be driven or parked on public roadways.

What should I do when a car insurance company declares my car "totaled" in Kansas?

Depending on your coverage and the accident, you could receive a payout for the totaled vehicle. For example, if you have comprehensive or collision coverage, you would receive the current value of the vehicle minus your deductible. You could use this to acquire a new vehicle. If you were the not-at-fault party in the collision, the other driver's insurance could cut you a check for the current value of the vehicle. If you were the at-fault party and only have liability coverage, you can consider selling the vehicle for scrap value. If you repair the vehicle, it will be deemed a "salvaged title" and could potentially be denied coverage given the risk insurance companies assign to salvaged titles.

Driving Laws

Kansas Texting and Driving Laws

• Ban on all cell phones for drivers with Learner or Intermediate Licenses
• Ban on text messaging for all drivers

Kansas DUI Laws

Kansas applies enhanced penalties for DUIs involving:

• Passengers who are younger than 14 in a car driven by someone who is DUI
• BAC readings of 0.15% or higher
• DUIs that cause accidents, injuries, or death

Kansas recently lowered its lookback period from considering a lifetime of past DUI offenses to a period of 10 years.

First-time DUI offenses in Kansas lead to:

• 48 hours to six months in jail
• $750 to $1,000 in fines
• License suspension for 30 days
• Restricted license for 330 days following suspension
• Possible requirement to perform 100 hours of community service
• Required completion of an alcohol safety education or treatment program
• Possible vehicle impoundment for up to one year

What Counts as Speeding in Kansas?

In general, speeding in Kansas occurs when drivers exceed these basic limits:

• 75 mph on multi-lane highways as designated by the State Secretary of Transportation
• 65 mph on all other highways except a county or township highway
• 55 mph on county or township highway
• 30 mph in urban districts

Local authorities can alter these guidelines as they see fit, so make sure that you are aware of the speed limits in the area in which you’re driving.

Reckless Driving Laws in Kansas

Reckless driving in Kansas is defined as driving with “willful or wanton disregard for the safety of persons or property.” Reckless driving may comprise various behaviors. It counts as a misdemeanor in Kansas.

Distracted Driving in Kansas

The National Highway Traffic Safety Administration defines three types of distraction:

• Visual: Taking your eyes off the road
• Manual: Removing your hands from the wheel
• Cognitive: Your mind floating to things other than driving

Kansas distracted driving laws allow speaking to other passengers but forbid certain activities while driving. Drivers are prohibited from texting while driving. Furthermore, drivers between the ages of 14 and 17 are prohibited from speaking on a mobile device while behind the wheel.

What Constitutes Racing in Kansas?

Kansas law prohibits drivers from racing, defined as:

• Speed competition or contest
• Drag race or acceleration contest
• Test of physical endurance
• Exhibition of speed or acceleration
• Attempts of making a speed record

At-Fault Collisions in Kansas

Kansas has “no-fault” car insurance laws. This means that your own personal injury protection (PIP) coverage pays your medical bills and specific out-of-pocket expenses regardless of who is at fault.

Kansas requires that all drivers carry mandatory no-fault personal injury protection with these minimums:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 per accident for property damage or loss