Kansas Auto Insurance

Auto insurance in Kansas

The current laws impose that all vehicle owners must have auto insurance, as this offers the best possible protection in case of accidents. No matter if the vehicle is used for personal or professional purposes, having adequate insurance is a must. Should the mandatory insurance be absent, the respective driver is liable for fines of up to $1,000 or the suspension of his/her driving documents (driver's license, vehicle registration). To discover more information on the topic of auto insurance in Kansas, just keep on reading. In the paragraphs below, you will find useful details on purchasing the right policy.

What type of car insurance do you legally need in Kansas?

According to the Mandatory Liability Insurance Act, all Kansas residents who want to operate a moving vehicle must be covered by a liability insurance policy. If the driver operates the vehicle without a valid insurance policy, the respective driving documents will be suspended for several months. Most states also have an online insurance verification system, which can be used to determine whether a vehicle has insurance or not.

In order for residents to operate a vehicle in the state of Kansas, the respective auto insurance must comply with several requirements. These include: bodily injury liability ($50,000 per accident and $25,000 per person), property damage liability ($25,000 per accident), uninsured motorist bodily injury ($50,000 per accident and $25,000 per person), basic personal injury protection coverage ($4,500 per person). Full coverage insurance offers more benefits than the minimum liability coverage, especially since it includes optional coverages, suggest comprehensive and collision insurance. Specialists recommend choosing a higher liability coverage limit than the one imposed by the law in Kansas. In this way, you will benefit from the best possible protection, should an accident occur.

The sums you see mentioned above refer to the maximum amount an insurance provider will pay, should you be involved in an accident for which you are at fault. The law requires that all vehicle owners carry a copy of their insurance policy while driving. Naturally, it is illegal to operate a vehicle without insurance in Kansas, with consequences such as legal fines and the suspension of your driving documents (vehicle registration, driver's license). If the vehicle owner continues to drive without a valid insurance policy, jail time might be enforced.

Average cost of auto insurance in Kansas

How much does car insurance cost in KS? The state minimum auto insurance policy in Kansas has a value of $502. However, a full coverage insurance policy has an average value of $1,647. In most cases, collision and comprehensive coverage are not included in the general policy, which means you'll have to calculate your budget accordingly. Several factors influence the overall insurance rates, including: marital status, age, gender, driving record, location, number of miles driven, presence of prior insurance, and type of vehicle. The recommendation is to choose an insurance policy that offers the best possible protection, staying away from the ones that are very cheap.

It is worth mentioning that the average cost of car insurance varies from one state to the other. Such differences are present for both the minimum and the full coverage, including when you add options such as comprehensive and collision insurance. Some of the factors that influence these values include: number of uninsured drivers in the city, number of drivers in accordance with the general population, at-fault accidents, weather-related accidents, and road conditions.

Kansas has a lower rate for the average car insurance than the national median, which is around $1,770. Among the states with the most expensive auto insurance policies, there are: Pennsylvania, New York, Nevada, Michigan, Louisiana, Florida, Colorado, and California. As for the more affordable states, these include: Wisconsin, Washington, Tennessee, Oregon, North Dakota, New Mexico, Nebraska, and Maine. New York has some of the most expensive auto insurance policies, with $2,996 for the full coverage and $1,339 for the minimum one. Maine, on the other hand, has the most affordable auto insurance policies, with $876 for the for the full coverage and $227 for the minimum one.

Within the state of Kansas, you might also find certain differences between various cities. Olathe has some of the most affordable auto insurance policies yeah, while Kansas City is among the most expensive cities. The overall average annual premiums are as follows: Olathe - $1,590; Overland Park - $1,620; Topeka - $1,717; Wichita - $1,835; Kansas City - $1,963.

The age of the driver is one of the chief factors that influence the value of auto insurance. keep in mind that this type of insurance is more expensive for young drivers, as insurance companies perceive them as immature and irresponsible. A teenage driver can you expect an annual premium of over $7,700, while a middle-aged driver will be accustomed to paying an annual premium of around $2,000. Gender differences are present as well, with men benefitting from more affordable rates. Married couples enjoy some of the best rates, in contrast to those who are widowed, divorced, or single.

To calculate the final value of an auto insurance policy, providers will take into account the driver's credit history as well. A driver with an exceptional credit can save important sums on his/her insurance premium, in contrast with someone who has a poor credit history. Higher rates are also imposed for those with prior driving offenses, such as speeding, at-fault accidents, reckless driving, DUI/DWI. It is common knowledge that the type of coverage also influences the insurance value. Drivers are encouraged to add both comprehensive and collision to the state minimum policy, to increase the level of protection offered.

Did not find your city or county on the list? Please use our auto insurance companies search box at the top to locate all the best auto insurance quotes in Kansas. Find car insurance in Kansas by city, zip code or county name.

Finding the right auto insurance in Kansas

If you need help finding the right auto insurance policy, you can count on us. You can rely on our experience and practical knowledge accumulated in the field. Thanks to these benefits, we are able to match drivers with the best policies for their needs, naturally with consideration to their available budget. Just give us a call and we will be more than pleased to discuss all the necessary details. This service is 100% free and it can save you from endless research, leaving you with more time to address other urgent matters.