Best Auto Insurance Rates in Kansas

Compare Auto Insurance in Kansas

Wednesday, November 7 2018 By Adam Johnson

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.

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.

Best Car Insurance Companies in Kansas

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

Top 10 Vehicles

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

Kansas State Auto Insurance Laws

Minimum Car Insurance Requirements in Kansas

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

Recommended Coverage Levels

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;

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

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.

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

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 2015 the average cost of auto insurance was $698.45 compared to the national average of $889.01. This ranks Kansas as the 39th most expensive state in the US.

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 Insurance Department

Website:

Homepage

Insurance Commissioner:

Ken Selzer, CPA

Insurance Hotline:

(800) 432 - 2484

Office Hours:

Monday - Friday
8:00 am to 5:00 pm

File a Consumer Insurance Complaint

Complaint Page

Sources:

• NHTSA Fatality Analysis Reporting System
• Insurance Information Institute – Minimum Coverage Levels by State
• Governors Highway Safety Association
• Insurance Information Institute – Insurance Expenditures by State
• Kansas Department of Revenue - Division of Vehicles

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