Cheap car insurance in Kansas
If you’re thinking of making changes to your auto insurance plan, you need to know your state’s minimum requirements.
Each state has its own specific auto insurance guidelines — some require liability insurance, others require personal injury protection coverage; a few require specific liability insurance while most are more lenient. States like Kansas require liability, PIP and uninsured or underinsured motorists coverage.
Average car insurance costs in Kansas
Kansas typically ranks well for annual car insurance costs in the US, with averages usually falling between $1,150 and $1,250. The national average, for reference, is about $1,300 a year. This means if you’re over the age of 25 and you don’t have any serious black marks on your driving record, you can probably expect to pay somewhere around the state average.
However, because car insurance is affected by so many outside factors, many drivers still find themselves paying too much for auto coverage. Here are a few of those factors.
- Age. Young drivers under 25, as well as seniors, will pay more for car insurance. Drivers under 25 — and especially male drivers under 25 — are believed by the insurance industry to be at high risk for car accidents. This means the older you get, the lower your car insurance rates will tend to be, until you reach a certain age.
- Gender. Men can often expect higher premiums. This is sometimes further modified by age and marital status; the differences in cost between men and women mostly disappear by the age of 35.
- Driving experience. L platers and P platers typically pay more, which often compounds the effect of age on premiums.
- Type of car. You might think screaming down the highway in a red Corvette sounds like fun, and you’re probably right, but luxury and sports cars are almost always more costly to insure than sedans and minivans. This is for several reasons, but mostly because fast cars tend to be driven fast, putting these cars and their drivers at a higher risk for accidents.
- Occupation. People who have long commutes or who drive around all day for work — say, outside sales representatives or transporters — can expect higher premiums. However, many professionals who drive a lot have work vehicles, or else have car insurance coverage through their employers to cover their mileage when they’re on the clock.
- Marital status. Single people are seen by insurers as less stable than their married counterparts. If you get married, you’ll see your premiums decrease right away.
- Location. Some places are at higher risk of theft, vandalism and other potential hazards, which incurs higher costs. Urban drivers are at higher risk for an accident than people who live far outside the city limits. Similarly, if your area is more prone to flooding or severe storms, you may see an impact on your premiums.
- Claims history. The more car insurance claims you have made in the past, the higher your premiums will generally be.
- Driving record. The more violations you have on your driving record, the more you can expect to pay for your car insurance. If you’re notorious for speeding, driving under the influence or trying to start a drag race at every red light, your insurer will likely know about it and raise prices accordingly.
- Credit score. Like it or not, nearly all auto insurance providers use your credit score to help calculate your risk before arriving at a policy cost. This is because multiple independent studies indicate that if your credit score is low, you’re more likely to be involved in an accident.
However, there are a few states where car insurance providers aren’t allowed to use credit to determine rates — California, Massachusetts and Hawaii.
- Other drivers. Only certain people will be approved to drive the car, and all of them impact the cost. Even the world’s safest driver will get a substantial price hike by listing another less-safe driver on the policy.
- Typical driving habits. Your typical distance driven, how often you get behind the wheel and where you drive all play a part in your car insurance prices.
Cheapest car insurance in Kansas
|Company||Average annual rate||Learn more|
Auto insurance providers for drivers in Kansas
Car insurance laws in Kansas
Kansas law mandates that residents need to have the following liability insurance to drive:
- $25,000 for bodily injury, per person.
- $50,000 for total bodily injury, per accident.
- $25,000 for property damage.
When shopping for coverage, you’ll sometimes see this written as 25/50/25.
You’ll also need to buy personal injury protection (PIP). This will cover any injuries suffered by you or your passengers, regardless of who was at fault for the accident. You will have to at least purchase:
- $4,500 per person for medical costs.
- $10,800 ($900 per month) for a year of disability and loss of income.
- $25 per day for in-home services.
- $2,000 for funeral, cremation or burial expenses.
- $4,500 for rehabilitation
Many drivers in Kansas also purchase additional protection so that they’re better protected, including:
- Collision coverage. Covers damages to your car caused by an accident.
- Comprehensive coverage. Helps pay for repairs not caused by an accident, like weather damage or vandalism.
- Towing and labor. Provides reimbursement for roadside assistance required for your car in the event of an accident.
- Rental reimbursement. If you need to rent a car while yours gets repaired, this insurance policy will cover those expenses.
What happens if I’m driving in Kansas and I don’t have insurance?
If you’re caught driving without insurance, you could face fines and indefinite license suspension. This state is harsher than some others when it comes to catching uninsured drivers. You’ll also be required to file for SR-22 for three years. This is a form of financial responsibility your insurance provider files with the DMV to prove you have enough coverage.
|First offense||Second offense||Third offense|
|Jail time||Up to 6 months||Up to 1 year||Up to 2 years|
|Fines & penalties||$300 – $1,000||$800 – $2,500||$800 – $2,500|
|License suspension||Suspended until coverage is proved||Suspended until coverage is proved||Revoked for 3 years|
|License reinstatement fee||$100||$300||$300|
Drunk driving laws in Kansas
|First offense||Second offense||Third offense||Fourth offense|
|Jail time||48 hour min.||5 days up to 1 year||90 days up to 1 year||90 days up to 1 year|
|Fines & penalties||$750 to $1,000||$1,250 to $1,750||$1,750 to $2,500||$2,500|
|License suspension||30 days||1 year||1 year||1 year|
Implied consent laws
Because Kansas has what are called implied consent laws, you’re obligated to take a breathalyzer test if a police officer has reasonable suspicion you’ve been drinking. If you refuse, you can face fines and a suspension of your license on principal, whether it turns out you’ve been drinking or not.
First refusal: License suspended for 1 year, followed by a 2-year period of mandatory IID use.
Second refusal: License suspended for 1 year, followed by a 3-year period of mandatory IID use.
Third refusal: License suspended for 1 year, followed by a 4-year period of mandatory IID use.
What happens after a car accident in Kansas?
To protect yourself and your claim, do your best to stay calm and focused after a car accident. Follow this guide if you’re feeling confused what your next steps should be.
- Safety first. Ensure that no one involved or near the accident has been injured. If everyone is OK and you don’t think it will be dangerous, try to move your vehicle to the side of the road. It’s usually a good idea to give the local police a call so they can help you further.
- Exchange information. You’re legally required to provide your insurance and contact information to drivers involved in an accident. Don’t forget to take down their information too, including information about their car, their insurance policy and how to contact them.
- Notify your insurance agent. Call your insurance company before you leave the scene. They’ll be able to help guide you through more specific next steps and answer any questions you may have.
- Document the scene. Take pictures of the scene from multiple angles, focusing on any damages. Get the contact information of any potential witnesses.
Who’s at fault after an accident?
Kansas is one of the handful of states in the US that requires drivers to carry no–fault insurance (aka personal injury liability coverage). This protects drivers and passengers involved in car accidents — regardless of who was at fault for the crash.
When should I report an accident to the authorities in Kansas?
You should immediately report an accident to the authorities if it results in injury, death or property damages over $500. You can report an accident by calling your local law enforcement.
Leaving the scene of the accident or failing to provide proof of insurance and other personal information to the authorities could result in a misdemeanor or felony charge, along with jail time, fines or license suspension.
Uninsured drivers in Kansas
Kansas has pretty strict car insurance requirements, and it seems like most citizens comply — only 9.4% of their drivers are uninsured. The national average is 12.6%. Still, that’s a lot of uninsured drivers out there. To protect yourself from damages in a car accident, consider adding uninsured or underinsured motorist insurance to your policy.
Carrying auto insurance protects you, your family and fellow drivers. Research your insurance options to make sure that you’re receiving the coverage you need — and that your state requires.
To learn more about these topics, from the best coverage and rates to state laws and regulations, visit our comprehensive guide to car insurance.
Frequently asked questions about car insurance in Kansas
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