Cheap Car Insurance in Kansas
Car insurance in the Sunflower state
Kansas has over 2 million drivers on state roads every day, whether we’re talking about rural roads or some of the major arteries in the state. If you’ve ever been without a vehicle, you know how painful it is to try to get things accomplished. Making sure that you get the right Kansas auto insurance and get on the road is super important.
Drivers in Kansas may have trouble finding the right insurance company and cheapest auto insurance in Kansas.
We are Insurance Geek, and we love connecting customers with the best possible coverage in Kansas we can get you. We know your state minimums, we know our carriers inside and out, and we can absolutely connect you with a policy that will meet your unique needs and your budget.
Kansas Auto Insurance Minimum Requirements
Just like with all states, the Kansas law has minimum required coverage for Kansas drivers.
In this article, we give you Kansas insurance listings as well as your state minimums. Every state wants you to have at least some type of bodily injury liability coverage, and you should also have personal property liability coverage. You will also need uninsured protection in the state of Kansas.
BI – bodily injury liability – $25,000 a person, $50,000 per accident minimum coverage
Let’s say that you’re out driving and you hit someone else, and you injure them fairly significantly. This is the type of auto policy that will protect you in the situation. BI will cover you if you hit a pedestrian or someone driving another car. If you or another driver assigned to your policy let someone drive your car and that person causes an injury, BI will also protect you in this case as well.
Property damage liability – $25,000 per accident minimum coverage. The state of Kansas wants you to have a minimum of $25,000 in property damage liability insurance in the event of an accident. This will allow you to replace the other person’s car – but as you can tell here, it’s possible that $25,000 isn’t nearly enough coverage to fix someone else’s car, especially if you’re in a multicar accident. We typically recommend a little more coverage to keep you safe.
Underinsured or uninsured motorists minimum coverage
In some areas, uninsured coverage is optional, but not in Kansas. Getting the right protection to help benefit you if someone without insurance or not enough insurance hits you will allow you to help make up the expenses if you’re in a car wreck.
How Much Will I Pay for Auto Insurance in Kansas?
Average rates for car insurance in Kansas are about $500 for cheapest insurance and minimum coverage.
However, Kansas auto insurance rates (just like auto insurance rates in any state) will depend on other factors, such as your vehicle, driving record, etc.
For all drivers in Kansas who wish to determine how much they will pay for their car insurance premiums, we’ve created a short overview of the important points below:
Age
Age groups make a difference when it comes to car insurance rates. Young drivers will get higher average rates on car insurance than other Kansas drivers. Note that this doesn’t just apply to teen drivers but also to those who don’t have enough driving experience.
Driving Record
Good drivers get lower average rates. This implies a clean driving record with no recent citations, such as an at-fault accident, a speeding ticket, or license suspension.
Credit Score
A poor credit score can negatively influence your average rates for insurance coverage in Kansas. However, even if you have a poor credit rating, we can help you score a cheap auto insurance policy.
Your Vehicle
Your car insurance premium depends on your vehicle, too. For instance, a new vehicle will result in the cheapest insurance; the make, model, engine power, and color of your vehicle will all play a role in determining the price.
Location
Based on where you live, you may find higher premiums closer to larger metro areas like Topeka. The more people are driving in an area, the more densely populated that area is, and the higher the likelihood of you getting into an accident.
Some of the biggest cities in Kansas we write for are:
- Topeka
- Murphy
- Jefferson
- Dodge City
- Olathe
- Wichita
Insurance Company
Every insurance company will offer you different quotes. To find the best deal and insurer for you, we allow you to generate free quotes on this page.
Discounts
Kansas drivers with clean driving records, no recent speeding tickets, or license suspension can get a discount.
Bundling policies is another way to save, whether it’s getting home or life insurance with the same insurance company or getting car insurance for multiple vehicles.
Get Cheapest Kansas Car Insurance Quotes
We will help you find cheap car insurance quotes if you enter some basic info in our quote engine calculator. It won’t take you longer than a couple of minutes to calculate free quotes from multiple companies.
Next, an expert insurance agent will help you compare quotes and discuss your specific case to find you a tailored policy in Kansas.
We work with over 20 carriers to ensure our clients get cheap car insurance, including Nationwide and Safeco that are top names in the industry.
Are Discounts Available?
Absolutely! Discounts vary depending on the carrier. We see many discounts with bundling, which will let you save a little cash if you get different types of insurance from the same carrier. If you generally drive safely, most carriers are delighted to give you a driving discount as a reward for being a great driver.
A PIF discount, or paid in full discount, will give you a savings percentage when you pay off your policy before it starts. You will see that most car insurance payment terms are around six months on an annual premium.
You can also make the decision to take a defensive driving course to increase your possibility of a discount. Carriers like rewarding members of the military, veterans, students, and seniors with discounts, so this is something that you might also want to mention to us.
If you make the decision to sign up for emails and go paperless, you can also get a few dollar price breaks, and loyalty always matters to carriers. The longer you’ve been with the carrier, the more inclined they are to give you discounts to keep you around as a loyal customer.
What Does Car Insurance in Kansas Include?
We’ve discussed the minimums above, but there’s more to consider if you want to obtain full coverage. The structure of a policy will depend on your personal needs.
Coverage types you may see on your policy include:
Medical liability or PIP coverage (Personal Injury Protection)
PIP (Personal Injury Protection) or medical liability is helpful to add to your policy because if someone is hurt in your car, this part of your policy will treat you or passengers regardless of who is at fault for the accident. In other words, it will pay for medical expenses and bodily injury for both you and other passengers.
Collision coverage
Collision will help you if you hit another vehicle and can also assist if you hit a pothole, back into something like a concrete wall, curb, etc. It’s important to get this in your full coverage because the collision is the cause of some of the most frequent insurance claims we witness.
Comprehensive coverage
“Everything else” coverage is how we refer to comprehensive. “Accident” isn’t just colliding with another car. Whether you accidentally injure or kill an animal while you’re driving on the road, getting a ding in your windshield that turns into an even bigger crack and suddenly overtakes the whole windshield, or an annoying dent in your car that needs fixing – all of these things are covered by comprehensive that should be part of your full coverage.
Bodily injury liability coverage
Bodily injury liability pays for bodily injury of the other party in an accident, whether it’s a driver or their passengers. It’s recommended to always go above the minimums to ensure you can cover all the medical bills that can get quite costly.
Property damage liability coverage
Property damage pays for physical damage on another driver’s vehicle in an automobile accident. Again, you should get more than the minimum because these repairs (or even the car replacement in certain cases) can be very expensive.
Uninsured/underinsured motorist bodily injury
Uninsured/underinsured motorist protection kicks in if the other party doesn’t have enough insurance for compensation of your own injuries or property damage.
How Much Auto Insurance Coverage in Kansas Should I Get?
The minimum amount of coverage auto insurance is only what you need to provide proof of. For full coverage, drivers in Kansas should consider going well over the minimums.
It’s possible that even though you have enough insurance to drive legally in Kansas, you may not have enough to cover the cost of replacing the property or paying off someone’s medical bills if an injury is serious during an accident you’re responsible for.
Because of this, we recommend $100,000 for injury protection for our customers so that you can drive without having to worry about paying costs out-of-pocket. Other recommended amounts are $100,000 in personal property and $300,000 max payout per accident, which translates to enough amount under any circumstances.
FAQ: Kansas Car Insurance
Q: What car insurance companies have the best cheap car insurance in Kansas?
A: Insurance companies that offer the cheapest car insurance in the state of Kansas are Nationwide and Safeco. In addition to affordable deals, they have excellent customer support, a great variety of insurance products, and possibilities for a discount.
Q: How much is car insurance in Kansas?
A: Drivers in Kansas can expect to pay around $500 per year, which is lower than the national average. Still, there are plenty of things that determine how much you’ll pay in Kansas, including the age of the driver, whether or not the driver in question has recent tickets or a recent accident, the age of the car, whether or not anti-burglary or antitheft devices are installed in the car, how safe the car is, whether or not the person driving has a safe auto record, and more. There are many other things that go into how much it takes to build a premium and what you should expect to pay, but these are some common factors. We can help you find out how much you will pay by providing you with free quotes on this page.
Kansas Auto Insurance Rates Calculator
Kansas is a great state, and we love working with Kansas customers to give them a car insurance policy that is not only affordable but is something that will give our customers peace of mind.
Fill out one form, and you will obtain many different quotes from a variety of carriers, which we will then go through with you and work on to get you the best possible premium and insurance company for your vehicle.