Best Auto Insurance Rates in Kansas

On average, your neighbors pay $58 a month.

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Local Insurance Information

Compare Auto Insurance 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

How much is car insurance in Kansas? Drivers here are pretty good drivers and insurance companies have noticed. Average car insurance rates in Kansas are much lower than the national average. On average, auto insurance in Kansas costs $698.45 per year. The national average price is $889.01.

Prices may vary depending on your zip code thanks to traffic congestion, weather conditions and crime rates.

Kansas Average Annual Car Insurance Rates
Coverage Rates
Liability $358.24
Collision $263.33
Comprehensive $241.36
Total Cost Per Year $698.45
Price Per Month $58.20
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Kansas rates from 2011 to 2015, the most recent year the data is available. According to the III, Kansas car insurance rates increased from $626 in 2011 to $698 in 2015, a jump of $72 dollars, or 11.59 percent.

Kansas average car insurance rates

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 quotes in Kansas from multiple companies to lower their rates.

Most Popular Auto Insurance Companies in Kansas

Below is a list of the most common auto insurance carriers of QuoteWizard users in Kansas last year. Out of the 65,475 Kansans who used QuoteWizard to compare auto quotes, 7,893 were uninsured.

  1. Progressive
  2. State Farm
  3. GEICO
  4. Allstate
  5. Farmers
  6. American Family
  7. Nationwide
  8. USAA
  9. AAA
  10. Liberty Mutual

Which insurance company has the best auto policy for you? Use our compare page to find out. We have thorough overviews of the biggest auto insurance carriers in the country to make the job easy for you.

Are you looking for high-risk auto insurance? If your search is proving to be a challenge, contact the Kansas Automobile Insurance Plan (KAIP). The KAIP can help you find the minimum liability insurance you need.

Are you a teen driver or the parent of one? You've probably discovered that a finding good, affordable teen driver insurance policy is difficult. Our research shows that teen drivers pay an average of $438 a month for coverage. AAA, State Farm, and The Hartford are known to provide excellent coverage for Kansas teens.

Top 10 Vehicles

These are the most commonly owned cars of QuoteWizard users in Kansas:

  1. Ford F150
  2. Dodge Ram 1500
  3. Ford Focus SE
  4. Chevrolet Silverado C1500
  5. Ford Mustang
  6. Ford Fusion SE
  7. Chevrolet Impala
  8. Toyota Camry LE
  9. Chevrolet Malibu
  10. Honda Accord EX

Kansas Car Insurance Rate Factors

Kansas has significantly lower average auto premiums than other parts of the country. One of the key reasons for this is the state's relatively low population. Fewer people on the roads overall means fewer chances of an accident.

Insurers look at other factors based on regional trends instead of individual ones. These factors include uninsured driver percentages, area driver history, and auto theft rates.

Uninsured Drivers

Kansas has one of the lowest percentages of uninsured drivers in the country. When an area has too many uninsured drivers, rates will go up for insured drivers to make up the difference. Keeping the percentage low like it is in Kansas saves money for everyone in the state.

Best and Worst Drivers

Our recent national study shows that Kansas ranks 23rd for worst drivers in the country. We compiled this list by looking at Kansas'speeding ticket, citation, DUI, and accident rates last year. Areas with a history of bad driving tend to see higher insurance rates. We applied the same formulas to cities within Kansas, and found that Wichita comes in 25th for worst cities for driving in the country.

Kansas Most Commonly Stolen Vehicles

Some vehicles are more attractive to thieves than others. If you own a model that gets stolen often, you will likely see an increase in your rates. Take a look at the list below and see if your car is at risk.

Source: National Insurance Crime Bureau—Hot Wheels Report 2017

  1. 2006 Chevrolet Pickup (Full Size)
  2. 1999 Ford Pickup (Full Size)
  3. 1997 Honda Accord
  4. 1998 Honda Civic
  5. 2001 Dodge Pickup (Full Size)
  6. 1999 GMC Pickup (Full Size)
  7. 2008 Chevrolet Impala
  8. 1997 Toyota Camry
  9. 1999 Chevrolet Pickup (Small Size)
  10. 1999 Jeep Cherokee

Car Insurance Discounts

Auto insurance companies often offer specific discounts to help you save on your premium. Here are a few of interest to Kansans:

  1. 1.The average Kansas commute time is 18.5 minutes. If your commute is on the low end of this average, see if there's a short commute discount available.
  2. Do you have a life or home insurance policy already? Ask about a bundle discount. Bundling can help you save money on both policies.
  3. If you're a member of the Kansas Farm Bureau , your insurer may have a discount for you.
  4. The average Kansan household owns two cars. If you or your family has more than one car, look into a multi-car discount.
  5. About 14.38 percent of the Kansas population is retired. If you're one of them, see if your insurer carries a 55 and retired discount.

Kansas Car Insurance Laws

Minimum Requirements

Kansas is one of twelve states in the US that has a no-fault auto insurance system. With a no-fault system, accident victims can make claims against their own insurer for compensation, regardless of who is insured in the accident. As such, Kansas requires uninsured/underinsured coverage alongside standard liability minimums. Kansas required insurance is:

  • Bodily Injury Liability: $25,000 per person
  • Bodily Injury Liability: $50,000 per incident
  • Property Damage Liability: $10,000 per incident
  • Uninsured/Underinsured Motorist Bodily Injury coverage: $25,000 per person
  • Uninsured/Underinsured Motorist Bodily Injury coverage: $50,000 per incident

Kansas also requires the following Personal Injury Protection coverage:

  • Funeral expenses: $2,000 per person
  • Medical coverage: $4,500 per person
  • Rehabilitation costs: $4,500 per person
  • Loss of income for up to one year: $900 per month
  • Home medical services for up to one year: $25 per day

Recommended Coverage

Minimum legal insurance only covers liability. After an accident, your minimum coverage pays for the other driver's repairs but does nothing for your damages. Full coverage provides significantly more protection. At the least, consider increasing your liability amount. A crash can easily cost more than what your liability policy pays out. To be safe, we recommend:

  • Individual Body Injury Liability: $100,000
  • Total Bodily Injury Liability: $300,000
  • Property Damage Liability: $100,000

Required Proof of Insurance

Kansas law requires that you carry proof of insurance coverage and be able to show it to law enforcement upon request. The information must include:

  • Name of insurer
  • Policy number
  • Effective date of policy
  • Expiration date of policy

Proof of insurance may be in physical or electronic format.

SR-22 Requirements

Kansas requires that you file an SR-22 if any of the following occurs:

  • Driving under the influence
  • Reckless driving
  • Driving without insurance
  • A suspended license

You are required to maintain the SR-22 for 12 months. Should the SR-22 lapse during that time, you must renew the SR-22 for another 12-month period.

Salvaged or Rebuilt Cars

Should you be in a crash and should the repair cost to your car exceed its value, your insurance company will deem it a total loss. Total loss vehicles get a salvage title. If the car is repaired to street-legal status, it gets a rebuilt title.

States have different means of rating totaled cars. In Kansas, totaled cars are determined based on a percentage (75 percent). This means that if the damage to the car equals 75 percent of the car's actual cash value, the car is totaled.

Finding insurance for a rebuilt or salvaged car is not easy. The best you can hope for is a high premium rate, but some carriers won't even touch these titles.

Kansas Traffic Safety Laws

Distracted Driving

All drivers in Kansas are prohibited from texting while driving. Novice drivers cannot use a cell phone for texting or phone calls while driving.

Implied Consent

Kansas'Implied Consent law requires that you submit to a urine, breath, or blood test should law enforcement pull you over for suspicion of driving while intoxicated. If you refuse the test, the penalties get worse with each offense:

First Offense: one-year driver's license suspension

Second Offense: two-year driver's license suspension

Third Offense: three-year driver's license suspension

DUI Law

If you are found driving in Kansas with a Blood Alcohol Content (BAC) of 0.08 percent or more, you are guilty of Driving Under the Influence (DUI). Depending on how many DUI offenses you have on your record, penalties include:

  • Two days to one year in jail
  • A fine of $1,000 to $2,500
  • License suspension for 30 days to one year
  • Installment of an ignition interlock device (IID) for 180 days to two years

It's important to know that in Kansas, you can get a DUI without actually driving. Kansas law defines DUI as "operating or attempting to operate"a vehicle while under the influence. This means the car doesn't have to be moving in order for you to be charged.

In addition to any legal penalties you receive, you will see your insurance rates go up. Our research shows that you can pay an average of $830 more a year for auto insurance after your first DUI — assuming you can find coverage.

Senior Drivers

Once you turn 65, you will probably see your auto insurance rates go up. If you've kept your driving record clean, the increase should be negligible. However, as you get older, you'll see your rates increase even more.

At age 65, you're expected to renew your license every four years. Vision and knowledge tests are also required at every renewal time.

Cars Registered in Another State

If you're driving in Kansas with a car registered in another state, you must have the required auto insurance of the home state. You also need to be able to show proof of insurance.

Kansas Insurance Department

Website:
Homepage
Current Insurance Commissioner:
Vicki Schmidt
Insurance Hotline:
(800) 432 - 2484
Office Hours:
Monday - Friday
8:00 am to 5:00 pm
File a Consumer Insurance Complaint
Complaint Page

 

Sources:

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