Fast, Free Quotes from Top Companies in Your State
The Great State of Kansas

Compare Quotes to Get the Cheapest Car Insurance Rates in Kansas

Kansas drivers have a lot of insurance hazards to watch out for: flying monkeys, falling houses, witches… okay maybe not. But it’s still beneficial to know how insurance works in Kansas.

We’ll show you which types of coverage are legally required in Kansas, provide information about the cost of driving including average rates, and share some insights about insurance risk to help you protect yourself and your family.

Average Kansas Car Insurance Rates

Kansas drivers are pretty good drivers and insurance companies have noticed. Average car insurance rates in Indiana are much lower than the national average. Prices may vary depending on your zip code thanks to traffic congestion, weather conditions and crime rates.

On average, auto insurance in Indiana costs $688.82 per year. The national average annual cost is $866.31.

Kansas Average Annual Car Insurance Rates
Coverage Rates
Liability $354.24
Collision $257.88
Comprehensive $238.67
Total Cost Per Year $688.82
Price Per Month $57.40

Compare Car Insurance Quotes in Kansas

Looking for car insurance in Kansas that provides the best coverage for an affordable rate? Shop around. Compare rates from a number of insurance companies.

QuoteWizard can help with that. We’ll connect you to top auto insurance companies so you can find a policy that protects you and your loved ones without breaking the bank.

Last year, 28,519 people used QuoteWizard to compare car insurance rates in Kansas from top companies and find the best deal.

Top 10 Vehicles in Kansas

These are the 10 most common vehicles owned by Kansas drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Silverado
  3. Ford Taurus SE
  4. Ford Ranger
  5. Ford Mustang
  6. Chevrolet Blazer
  7. Honda Accord EX
  8. Chevrolet Impala LS
  9. Dodge RAM 1500
  10. Chevrolet Impala
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Top 10 Kansas Car Insurance Companies

Last year, these were the 10 most common car insurance companies reported by QuoteWizard users living in the state of Kansas. Out of the 28,519 Kansas drivers that used QuoteWizard to request insurance quotes last year, 3,213 had no car insurance.

  1. Progressive Casualty
  2. Farmers Ins
  3. Geico
  4. Allstate Ins
  5. Esurance
  6. Nationwide
  7. Liberty Mutual
  8. AIG
  9. 21st Century Insurance
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Kansas State Auto Insurance Laws

Car Insurance Minimum Coverage

If you drive a vehicle registered in Kansas, you must maintain a minimum level of insurance coverage of 25/50/10. This means that you must have:

  • $25,000 of coverage for bodily injury liability per person
  • $50,000 of coverage for bodily injury liability per incident
  • $10,000 of coverage for property damage liability per incident
  • $25,000 of uninsured/underinsured motorist bodily injury coverage per person
  • $50,000 of uninsured/underinsured motorist bodily injury coverage per incident

Kansas is one of the 12 US states that have a no-fault insurance system. In no-fault states, accident victims can collect benefits from their own insurance companies, regardless of whether the other party was insured. Liability coverage is meant to help pay for other peoples’ medical and repair bills if you're found at fault in a car accident. Personal Injury Protection coverage is intended to pay for your medical expenses after an accident, regardless of who was at fault.

In addition to the coverage above, Kansas requires drivers to purchase the following types and amounts of Personal Injury Protection coverage:

  • $2,000 for funeral expenses per person
  • $4,500 of medical coverage per person
  • $4,500 for rehabilitation costs per person
  • $900 per month for loss of income for up to one year
  • $25 per day for at home medical services for up to one year

Required Proof of Auto Insurance

Any time you drive in Kansas, you must be prepared to show your car insurance identification card to law enforcement upon request. You will get this identification card from your car insurance company when you buy a policy. The card must include all of the following:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy

Penalties

Driving without proof of insurance will result in a first offense fine of $300-$1,000 and/or up to six months in jail. Subsequent offenses within three years can result in a fine of $800-$2,500 fine and the suspension of your license.

Kansas drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
Ready to see if you're eligible?
Click Here

SR-22 Requirements

If convicted of one of the following violations, an SR-22 is required:

  • Driving Under the Influence
  • Reckless Driving
  • Driving without insurance
  • Driving violations resulting in suspension

Minimum coverage requirements of an SR-22:

  • $25,000 - Maximum amount per person paid for bodily injuries
  • $50,000 -  Total amount paid by the policy for all bodily injury to all persons
  • $10,000 – Total amount paid for property damage

Kansas state law requires an SR-22 filing for a minimum of 12 months. If a driver has a lapse in coverage before the 12-month minimum, the driver is required to renew the filing for another 12-month period.

State of Kansas Traffic Safety Laws

Distracted Driving Laws

Kansas bans novice drivers from using cell phones in any way while driving. All drivers in Kansas are prohibited from texting while driving. However, Kansas does not have a ban on the use of handheld cell phones while driving.

Implied Consent Law

Kansas’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their urine, breath, or blood when arrested by law enforcement for suspicion of driving while under the influence. Refuse the test and you’ll face the following penalties on top of those for a DUI:

  • First Offense: 1-year driver's license suspension
  • Second Offense: 2-year driver's license suspension
  • Third Offense: 3-year driver's license suspension

DUI Law and Penalties

If you drive or operate a motor vehicle in Kansas with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • 48 hours of minimum jail time
  • Between $500 and $1,000 in fines and penalties
  • 30-day driver’s license suspension

The penalties for a second offense DUI conviction are:

  • Between 90 days and 1 year in jail
  • Between $1,000 and  $1,500 in fines and penalties
  • 1-year driver’s license suspension
  • Ignition-interlock device required

The penalties for a third offense DUI conviction are:

  • 90 days and 1 year in jail
  • Between $1,500 and $2,500 in fines and penalties
  • 1-year driver’s license suspension
  • Ignition-interlock device required

The penalties for a fourth offense DUI conviction are:

  • 180 days to 1 year in jail
  • Minimum of $2,500 in fines and penalties
  • 1-year driver’s license suspension
  • Ignition-interlock device required

Child Restraint Law

Children age 3 and under are required to be restrained in an approved child safety seat. From ages 4 to 7 years old, children are required to be restrained in an approved child safety seat or booster seat, unless:

  • The child weighs more than 80 pounds
  • The child is taller than 4 feet 9 inches
  • Only a lap belt is available

Children 8 years old or older, children weighing more than 80 pounds, or children taller than 4 feet 9 inches are to wear seat belts.

Graduated Driver’s License Program

Farm permits allow young people between ages 14 and 16 years old to legally drive, with no adult passenger supervising. Driving is restricted to or from the driver’s farm employment.

However, to obtain a driver’s license, a young driver must first apply for an instruction permit, must hold the instruction permit for 12 months, and log at least 50 hours of supervised driving with at least 10 of those hours taking place at night. Once these conditions are satisfied, they can take the driver’s test.

If they pass the test, a restricted license is issued. During their first six months of driving with their restricted license, drivers may have a maximum of one passenger in the car that isn’t a sibling (excluding parents or guardians). During this time, drivers with a restricted license cannot drive between the hours of 9 pm and 5 am.

Once a driver turns 16 1/2 and passes the final driving exam, a full license is granted, with full driving privileges.

Senior Drivers in Kansas

For drivers in Kansas, the regular renewal cycle is every 6 years. For drivers 65 and over, renewal is every 4 years.

Seat Belt Laws

Kansas requires that all passengers 14-17 wear seat belts. Failure to do so carries with it a $60 maximum fine for a first offense. Passengers over 18 are only required to wear seat belts if they are in the front seat. Failure to do so carries a maximum fine of $10.

The Cost of Driving in Kansas

Average Car Insurance Rates

Car insurance in Kansas is much less expensive than the national average. In 2013 the average cost of auto insurance was $668.93 compared to the national average of $841.23. This ranks Kansas as the 39th most expensive state in the US.

Fuel Taxes

The state of Kansas taxes gasoline at 24.03 cents per gallon and diesel fuel at 26.03 cents per gallon. This is in addition to the Federal fuel tax of 18.4 cents per gallon on gasoline, and 24.4 cents per gallon on diesel fuel. The total tax on a gallon of regular fuel in Kansas is 42.43 cents. For diesel fuel, the total tax is 50.43 cents per gallon.

Car Insurance Risk in Kansas

Uninsured Motorists

Data from 2012 estimates that 9.4% of drivers in Kansas are uninsured, which ranks Kansas 33rd nationally, significantly below the national average of 12.6%.

Traffic Fatalities

In 2014, Kansas recorded 385 traffic-related deaths, a 1% increase from the 350 in 2013.

Vehicle Thefts

In 2014 there were 6,906 reported vehicle thefts in Kansas (237.8 per 100,000 people), which was a 3.5% increase from 2013 which saw 6,671(230.4 per 100,000 people). The vehicle theft rate of 237.8 per 100,000 people is about the same as the national average of 216.2 per 100,000 in 2014.

Top 10 Most Stolen Vehicles in Kansas

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1999 Chevrolet Pick-Up (Full Size)
  2. 1996 Honda Accord
  3. 1999 Ford Pick-Up (Full Size)
  4. 1998 Honda Civic
  5. 2001 Dodge Pick-Up (Full Size)
  6. 1994 Chevrolet Pick-Up (Small Size)
  7. 1994 GMC Pick-Up (Full Size)
  8. 2000 Dodge Caravan
  9. 2006 Chevrolet Impala
  10. 1998 Toyota Camry

Kansas Department of Insurance

Website:
http://www.ksinsurance.org/
Insurance Commissioner:
Ken Selzer, CPA
Address:
Department of Insurance
420 SW 9th Street
Topeka, Kansas 66612-1678
Phone:
(785) 296-3071
Toll Free:
800-432-2484 (in Kansas only)
Fax
(785) 296-7805
Email:
commissioner@ksinsurance.org

Sources:

QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.