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The Sunflower State
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Kansas Auto Insurance
It's more than just cornfields, great college basketball and the home of Dorothy and Toto. Kansas boasts an affordable cost of living, generous people and a choice of urban, suburban or rural living to choose from. But there are also numerous perils awaiting vehicle owners in Kansas, from big-city traffic jams to tornadoes, flooding and other severe weather. To combat this, Kansas drivers need to be protected from the unexpected costs that may occur due to vehicle damage.
Auto Insurance rates in Kansas can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!
Try our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners' rates for the coverage you select. You even get to pick the price you like, too.
Required Auto Insurance in Kansas
One aspect that separates Kansas from much of the rest of the nation is the substantial level of coverage that the state requires all drivers to maintain. First, drivers must carry Liability Insurance with minimum levels of coverage in order to protect other drivers should an accident occur. The state law also says that everyone must acquire Uninsured/Underinsured Motorist Coverage, which pays for medical bills and property damage if you are victimized in a collision with a driver that doesn't have any Liability Insurance (or is underinsured). Finally, all Kansas Auto Insurance policies must include Personal Injury Protection (PIP), which acts as the primary source of insurance for anyone who is hurt in an auto accident.
State Minimum Liability Coverage in Kansas
- BI or Bodily Injury: $25,000 per person, $50,000 per accident
- PD or Property Damage: $25,000 per accident
State Minimum Uninsured/Underinsured Motorist Coverage in Kansas
- BI or Bodily Injury: $25,000 per person, $50,000 per accident
State Minimum Personal Injury Protection (PIP) in Kansas
- Medical Expenses: $4,500 per person
- Disability/Loss of Income: $900 per month for one year
- In-Home Services: $25 per day
- Rehabilitation Expenses: $4,500
- Funeral Expenses: $2,000
To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in Kansas
It may be hard to believe, but the aforementioned insurance policies may not protect you from every possible mishap that can befall your vehicle. With this in mind, it might be wise to explore some of the optional coverage that is available for Kansas drivers. These additional policies will serve to provide another layer of financial protection for you and your family.
Below are some examples you may want to consider:
- Collision Coverage*: Liability Insurance addresses the damage to other vehicles involved in an accident, but what about the damage to your vehicle? Collision coverage will handle the repair costs for your vehicle (less your deductible) so you can get it up and running again in a reasonable amount of time. This policy will also pay to repair damage sustained in a single-vehicle crash.
- Comprehensive Coverage*: What happens if a tornado knocks a tree onto your vehicle? Or a severe thunderstorm floods your car's interior? Or if an unscrupulous individual vandalizes, burns or steals your car? Comprehensive Insurance coverage is designed to protect you against monetary losses sustained by a non-crash related calamity.
- Higher Bodily Injury Limits: Given the high costs of health care these days, it often takes one serious injury (or even multiple minor injuries) to run up medical bills exceeding $50,000, which is the state-mandated minimum for Liability Insurance Bodily Injury coverage. Therefore, it might be prudent to look into raising those limits to $100,000, $250,000, even higher, so you don't have to pay out-of-pocket costs that arise from a serious injury collision.
- Higher Property Damage Limits: Similarly, $10,000 might not be enough to repair the damage you cause in a multi-vehicle collision or if you strike an expensive vehicle. Many drivers choose to purchase Liability policies with higher levels of Property Damage coverage, such as $25,000, $50,000 or more.
*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.
Unlike Liability, PIP or Uninsured/Underinsured Motorist coverage, these policies are totally optional. But many people find them to be quite beneficial in protecting their assets. If you think you might be one of these people, an AIS agent would be eager to give you more information on adding one or more of these policies to your Kansas Auto Insurance.
Kansas is a No-Fault State
The Sunflower State is also one of the few in the nation that has a "no-fault" insurance system. "No-fault" simply means that regardless of the circumstances surrounding an auto accident, all parties who are injured will first turn to their own Personal Injury Protection policies for reimbursement of their medical expenses. This does not imply that fault and responsibility are completely irrelevant in an accident. But the state's no-fault system is designed to minimize the number of auto accident cases that wind up becoming lengthy lawsuits and court trials. A qualified AIS agent can help you with any questions you might have about Kansas' "no-fault" status.
Most Stolen Car Models in Kansas
Car models that are more likely to encounter theft will usually have a higher Auto Insurance premium. According to www.nicb.org these are the top car models that were stolen in Kansas for 2017:
- Chevrolet Pickup (Full Size)
- Ford Pickup (Full Size)
- Honda Accord
- Honda Civic
- Dodge Pickup (Full Size)
- GMC Pickup (Full Size)
- Chevrolet Impala
- Toyota Camry
- Chevrolet Pickup (Small Size)
- Jeep Cherokee/Grand Cherokee
Kansas Auto Insurance Discounts
Like many other Americans, Kansans love to save money. Luckily, there are plenty of Auto Insurance discounts offered for which they may qualify. These discounts can result in significant annual savings on insurance premiums.
Examples of Kansas Auto Insurance discounts include:
- Safe Driver
- Good Student
- Accident Free
To learn more about specific discounts, visit our Discounts page.
In most parts of Kansas, you need a car to get around and enjoy all the state has to offer. You don't want to be sidelined by a non-working vehicle, or hindered by outstanding bills for medical expenses or property damage. Auto Insurance is a necessity for all Kansas drivers and our Insurance Specialists have been helping Kansans find and maintain adequate auto coverage for years. Perhaps it's time to see how AIS can assist you with all of your Kansas Auto Insurance needs!