Kansas Auto Insurance [Rates + Cheap Coverage Guide]

If you ever think of a place in the United States with the wide open prairie, you’re probably thinking of Kansas! It’s one of the flattest states in the nation, making for a smooth ride.

What isn’t such a smooth ride? Having to spend hours digging and researching for car insurance.

That’s what here to help you with! We’ve put together this comprehensive guide with all of the information you’ll need to get cruising on the roads of Kansas in no time flat.

Ready to get started now? Use our FREE online tool. You only need is your zip code to get started.

Kansas Car Insurance Coverage and Rates

In this first section, we’ll discuss the car insurance coverage requirements you’ll need to adhere to in the state of Kansas, as well as some of the insurance rates you can expect that are unique to Kansas.

– Kansas Minimum Coverage

Most states across the nation requires something known as a minimum liability coverage. What does this mean? It means that if you are ever involved in an accident, you will have the ability to pay for any property damage or injuries incurred from the accident.

Why is this information so important, particularly in Kansas?

Well, Kansas is known as a “no-fault” accident state. This means that regardless of whoever is responsible for the accident, each person involved in the accident will have to rely on their own insurance to cover the costs of that accident.

Having the minimum liability coverage is more to protect yourself than anything else.

So what is the minimum liability coverage you are required to have in Kansas?

• $25,000 – for the payment of an injury or death of one person in an accident
• $50,000 – for the payment of an injury or death of MORE than one person in an accident
• $25,000 – for the payment of any property damage caused in an accident

In addition to this minimum liability coverage, because Kansas is a “no-fault” state, you are also required to have Uninsured/Underinsured Motorist coverage as well as Personal Injury Protection.

For these two additional coverage types, in Kansas you will be required to carry at least the following according to the Kansas Insurance Commissioner:

• Personal injury protection (PIP or No Fault)
  • Minimum amount required by law:
    • $4,500/person for medical expenses
    • $900/month for one year for disability/loss of income
    • $25/day for in-home services
    • $2,000 for funeral, burial or cremation expense
    • $4,500 for rehabilitation expense
  • Survivor Benefits: Disability/loss of income up to $900/month for one year
  • In-home services up to $25/day for one year
• Uninsured/Underinsured
  • $25,000/person
  • $50,000/accident

Making sure you have all of this is essential to driving in the state of Kansas, so make sure you purchase at least all of the minimum coverages.

– Forms of Financial Responsibility

You’ve likely heard of the term “proof of insurance”, also known as forms of financial responsibility. It’s a way for other drivers/law enforcement to ensure that you carry at least the required minimum liability coverage for that state.

If you are ever pulled over by a police officer, or if you are ever in a car accident, you will be required to provide this proof of insurance coverage.

So what are the acceptable forms of financial responsibility that you can present in Kansas?

• Current insurance ID card
• Copy of your insurance policy
• Electronic copy of your insurance identification

As long as you have any of the above with you while operating your car, it’ll be smooth sailing for you.

– Premiums as a percentage of income

Something that can affect the price you pay for your insurance premium is a term known as the per capita disposable income. What is this and what does it mean for you?

Per capita disposable income is the amount of money a group of individuals (such as the citizens of Kansas) has after their taxes have been paid.

So let’s say that on average you earn $70,000 per year, but after taxes you have $55,000. This $55,000 is considered your disposable income.

This is the amount of money you have to spend on all of your other expenses such as health insurance, mortgage payments, rent payments, etc.

The average disposable income in Kansas is $41,634.00, which is really awesome considering that the national average is $40,859.00. Meaning that Kansas citizens have, on average, a higher disposable income than the rest of the nation.

This aside, what how does this disposable income break down for you?

If you break this down over a several-year period, the premiums as a percentage of income in Kansas looks like the following:

All of this to say that on average, Kansas citizens tend to pay approximately 2 percent of this disposable income on their insurance coverage alone, so making sure you have the money to set aside for this will be very important for driving.

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– Core Coverage

According to the National Association of Insurance Commissioners, Kansas has the following core coverage rates:

– Additional Liability

In Kansas, there is the requirement for having the minimum liability coverage as well as Uninsured/Underinsured Motorist coverage and Personal Injury Protection coverage.

In this section, we’ll discuss what these coverage types loss ratios are. But what exactly is a loss ratio?

A loss ratio is essentially the amount of money the insurance companies in the state pay out in claims to their customers as compared to the amount of money you pay for your insurance premiums.

You want your loss ratio to be just right, kind of like the story of Goldilocks.

If the loss ratio is too high, over 100 percent, that means that the insurance companies are paying out too much in insurance claims and are at risk of going bankrupt.

If the loss ratio is too low, that means that the insurance companies aren’t paying out enough in insurance claims.

In Kansas, the following loss ratios were found according to the National Association of Insurance Commissioners (NAIC):

So you can see that all of the additional liability coverage types, including Medical Payments (MedPay) which is an optional coverage type in Kansas, are all within a relatively good range for loss ratios.

– Add-ons, Endorsements, and Riders

Getting the best coverage for the most affordable price is always a top priority when shopping for insurance. Did you know that you could be missing out on several extremely useful, and cheap, coverage types because of it?

Check out the list below to see what is available to you in Kansas:

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance

– Demographic Rates

There’s a pretty commonly heard myth in car insurance that men tend to pay more for the insurance coverage. This isn’t always the case, but we decided to dig in to see what the demographic rates were like in Kansas.

As you can see in the table above, gender doesn’t have nearly as big of an impact on insurance rates as age does. The younger the driver, the higher of a liability they are seen as, and the more they tend to pay for insurance coverage.

– Highest/Lowest by Zip Code

– Highest/Lowest by City

Kansas Car Insurance Companies

There are so many car insurance companies across the nation that it can be very overwhelming. All these companies, trying to get your business.

That’s what we’re here for! We’ve gone through all of the data for the largest providers in the state of Kansas to help you compare.

– The Largest Companies Financial Rating

Insurance companies want to know what your financial health is like, but did you know that you can also find out what an insurance provider’s financial health is like? It’s through something known as the A.M. Best Rating.

The A.M. Best Rating basically assigns a grade to insurance providers based off of various financial facts.

The higher the grade given, the healthier the provider’s financial health is.

The largest providers in Kansas have the following ratings:

– Companies with Best Ratings

In order to find out what the overall customer satisfaction rankings were for the various insurance providers in the nation, J.D. Power conducted a study.

The study performed measured what the satisfaction rankings were for the various car insurance providers in specific regions of the nation were.

Kansas lies in the Central Region of the nation, so we’ve provided the results found in this study for this region.

– Kansas Car Insurance Rates by Company

– Commute Rates by Company

Depending on the company, there is sometimes an extra amount you actually pay for how far your commute is.

Luckily though for Kansas citizens, most of the larger companies tend to charge the same rate no matter how long your commute is. Companies like Geico, USAA, and American Family, however, do have a difference in their rates depending upon your commute.

So making sure you compare the various rates among car insurer providers will help you cut down on costs.

– Coverage Level Rates by Company

If you don’t compare rates, you could end up actually paying MORE for a plan that doesn’t cover you as well as another companies higher coverage level policy.

As you can see from the table above, a low coverage plan with Farmers is $3,555.59, while a high coverage plan with Geico is $3,315.94. That means you’d be paying $239.65 more for a plan that won’t protect you as much.

– Credit History Rates by Company

Companies want to make sure that they are providing coverage for someone who can pay for their policy. At the end of the day, companies still want to get paid.

So to do this, they check your credit history to see just how likely you are to pay for your plan on a regular basis. The better your credit history, the better your rates will be.

– Driving Record Rates by Company

Your driving record is kind of like your credit history, the better your driving history, the more reliable you are seen.

Meaning that if you have a clean driving record, the company is less worried about having to dole out a lot of money in claims from accidents, traffic violations, etc.

You can see from the table above that State Farm, for example, charges only $2,525.63 if you have a clean driving record while they charge someone with at least one DUI on their record $2,720.00.

So one of the best ways to keep your insurance rates as low as possible is by having a clean driving record.

– Largest Car Insurance Companies in Kansas

In the chart below, you can see the car insurance companies that have the largest market share in Kansas.

– Number of Insurers

There is already so much competition for your business, but did you know that providers can be classified into one of two categories?

There are domestic providers and foreign providers. What is the difference between the two?

• Domestic Provider – a provider who is only able to provide coverage to individuals in the state they are located in (think of the little local agency)
• Foreign Provider – a provider who is able to provide coverage for individuals in multiple states (think of the larger providers such as Allstate or Progressive)

How many do you have to choose from in Kansas? Well, there are currently 25 domestic providers and 898 foreign providers listed for Kansas.

Kansas State Laws

Each state is unique, so it’s reasonable to assume that each state will have laws that are prevalent just in that state. Kansas is no exception.

In this section, we’ll go over some of the state laws present in Kansas such as car insurance laws, vehicle licensing laws, and more.

– Car Insurance Laws

Most states across the nation require that drivers have at least the minimum liability coverage, as we have discussed in previous sections.

Due to this, there are a few car insurance laws in Kansas you’ll want to make sure you’re aware of.

– High-Risk Insurance

If you are a driver who has multiple violations on your driving record, particularly if your drivers license has been revoked or suspended, you will be labeled as a high-risk driver and will be required to file an SR-22 form in Kansas.

If you have committed any of the following violations in Kansas, you will be required to have an SR-22 certificate:

• Conviction under the Habitual Violator Statute
• Traffic officers’ DC-66 filing to the division for failure to provide proof of insurance during a traffic stop, unless proof of insurance is provided to the department within the time prescribed
• Any license suspension, resulting from (noncompliance) with this statute’s requirements to maintain evidence of insurance
• Failure to provide evidence of financial security as a result of an automobile accident as required by law

There is no point system in Kansas, but there are other traffic violations, according to the Kansas Highway Patrol, that you’ll want to make sure you avoid.

In addition to this, if you are labeled as a high-risk driver, you will likely have a hard time obtaining insurance. But as you are required to have all of the minimum liability coverage types in order to legally drive, what are you to do?

Well luckily for you, there is a high-risk insurance plan available, known as the Kansas Automobile Insurance Plan (KS AIP). This program ensures that all who apply will be assigned to a participating insurance provider who will then be required to provide insurance coverage for you.

There is a catch to this however. As you are assigned to an insurance provider, you will be required to pay whatever insurance rate they deem necessary.

It’s recommended that if you are able to voluntarily get insurance coverage outside of this program, even if the insurance rates seem pretty high, that you take that option first. As once you are accepted into the program, you will have to pay whatever they deem appropriate.

– Low-Cost Insurance

Kansas is one of many states, unfortunately, that does not have any low-cost government plans. This does not, however, mean that there aren’t a few ways you can save some cash on your insurance policy.

Aside from having a good credit history and clean driving record, car insurance discounts are one of the most common ways to save even more cash.

We’ve gathered up some of the most common car insurance discounts for your convenience below:

• Good driver
• Homeowner
• Anti-Theft / Anti-Lock Systems
• Good Student
• Multiple Cars
• Paying in Full
• Company/School (the company you work for/the school you attend sometimes offers discounts)

So make sure to check with your insurance provider to see which discounts you qualify for. You could qualify for more than you even realize.

– Windshield Coverage

Some states in the nation have very specific laws regarding windshield coverage. Kansas is fortunately not one such state, as there is nothing unique to windshields in this state.

It can be a very useful coverage type, however, so it definitely one to consider as an option to add onto your policy.

– Automobile Insurance Fraud in Kansas

According to the Insurance Information Institute (III), approximately $30 billion are lost each year due to insurance fraud.

This is precisely why insurance fraud is criminalized in all states across the nation.

Fraud in Kansas is defined by Kansas Statutes section 40-2,118 as:

Someone who (knowingly and with the intent to defraud) presents, prepares, or conceals information in any written statement that they know contains false information about any fact material to:

• An application for insurance
• The rating or an insurance policy, or
• A claim for payment or other benefits under an insurance policy

The state laws of Kansas penalize those who commit insurance fraud in the following ways:

• $25,000 or more: Severity level six, nonperson felony
• Between $5,000 and $25,000: Severity level seven, nonperson felony
• Between $1,000 and $5,000: Severity level eight, nonperson felony
• Less than $1,000: Class C misdemeanor

Should you ever suspect another of committing insurance fraud, or if you’re the victim of insurance fraud, there are a few ways in which you can report the crime.

• Contact the Kansas Department of Insurance.
• Report the suspected fraud to the Kansas Insurance Commissioner
• Insurers can call 785-296-3918 or send an email to antifraud@ksinsurance.org

– Statute of Limitations

If you are ever in an accident and need to file a claim, you will want to ensure that you follow Kansas’s statute of limitations. What exactly is the statute of limitations?

The statute of limitations is the amount of time you have in order to submit a claim in the case of an accident.

If you fail to submit your claim before the end time, which starts on the day of your accident, you will be denied your claim.

In Kansas, you have the following amount of time to make your claim:

• Personal Injury Claims: One year
• Property Damage Claims: Two years

This may seem like a lot of time, but time can fly when you’re dealing with the repercussions of an accident, so make sure you submit any claims you need before time is up.

–  Vehicle Licensing Laws

If you want to get your license and keep it, you’ll need to know some of the vehicle licensing laws in Kansas.

– Penalties for Driving Without Insurance

The penalties for driving without insurance can include:

• First-time offense: fines of $300 to $1,000
• Subsequent offenses: fines of $800 to $2,500
  • Six months in prison for continuing violations
  • Suspension of vehicle registration with a $100 fee for reinstatement

So make sure you carry at least ONE form of financial responsibility with you while driving at all times.

– Teen Driver Laws

Teen drivers looking to get behind the wheel will need to adhere to a few rules and restrictions in order to gain their driver’s licenses.

– License Renewal Procedures

There are different license renewal procedures present in every state, and vary by what the general population must do and what the elderly population will be required to do.

According to the Insurance Institute for Highway Safety (IIHS), the following license renewal procedures are present in Kansas:

– New Residents

If you are looking to become a new resident of Kansas, you’ll want to make sure that you trade in your out-of-state license for a Kansas one.

To get your new Kansas license, you’ll want to make sure you have the following according to the Kansas Department of Revenue’s DMV:

• Present acceptable proof of identity and proof of residence — an out of state license is acceptable as a second form of ID, but not as proof of legal name and date of birth
• Not have had a license canceled, suspended, or revoked in any state
• Pass a vision exam
• Pay applicable fees

– Rules of the Road

In order to cruise the roads of Kansas, you’ll need to know the rules of the road. After all, the last thing you want is to get a ticket for a law you didn’t even know existed.

So buckle up and keep reading to find out more.

– Fault vs. No-Fault

As we mentioned in an earlier section, Kansas is a “no-fault” state. This means that regardless of who is the one who caused the accident, you will have to submit your claims to your own insurance company.

The only exception to this is if you have exhausted your own coverage and have suffered a serious injury, which is defined by Kansas as:

• Permanent disfigurement
• Permanent injury
• Permanent loss of a body function
• Fracture of a weight-bearing bone
• Compound, comminuted, compressed, or a displaced fracture of any bone

In addition to this, if you situation meets the requirements for serious injuries, there’s something known as the “modified comparative fault” rules that you’ll definitely want to familiarize yourself with.

Comparative fault calculates the percentage of fault for each driver in an accident, and therefore then reduces each driver’s liability accordingly.

For example, let’s say that you are in an accident with another driver. The accident was caused because the other driver ran a red light, but you were texting while driving and didn’t see the other driver coming.

Then let’s say you take your case to court because you were injured and your medical payments were $20,000. The court reviews your case and decides that the other drive is 75 percent at fault for the accident, but you were 25 percent at fault because you were texting and driving.

So, of this $20,000 you requested, the 25 percent you are responsible for is deducted (25 percent of $20,000 would be $6,250), and you are then awarded the remainder ($13,750).

This can be extremely valuable for you if you are unable to cover all of the costs of an accident.

Something to keep in mind for this, however, is that if you are found to be 50 percent or more at fault for the accident, you cannot recover any damages.

For these reasons, making sure you have AT LEAST the required coverage for Kansas is absolutely vital.

– Keep Right and Move Over Laws

Two laws that are extremely easy to adhere to in Kansas are Keep Right and Move Over laws.

Keep Right laws state that you may only pass another vehicle in the left lane when the other driver is making a left turn or is passing another vehicle. Easy right?

Move Over laws are just as simple. If you are approaching a stationary emergency vehicle that has their lights flashing, MOVE OVER! Think of it this way, if a vehicle has flashing lights, you’ll need to move over to another lane as safely as possible.

These two laws are to help keep all drivers on the road as safe as possible.

– Speed Limits

Speed limits are put in place to make sure that drivers are driving at a speed that will keep themselves, and others safe while on that particular road.

We’ve gone ahead and found the speed limits you’ll want to adhere to in Kansas according to the Insurance Institute for Highway Safety (IIHS):

• Rural Interstates: 75 mph
• Urban Interstates: 75 mph
• Limited Access Roads: 75 mph
• All Other Roads: 65 mph

– Seat belt and Car Seat Laws

Kansas wants to keep all passengers in a vehicle safe, which is why they have seat belt and car seat laws.

According to the Insurance Institute for Highway Safety (IIHS), Kansas has the following car seat and seat belt laws that you will need to adhere to:

– Ridesharing

In the ever-increasing demand for easy and convenient transportation, the popularity of ridesharing services such as Uber and Lyft have significantly increased.

This convenience is not only for those trying to get from point A to point B but for those who are trying to earn a little extra cash every month.

If you are one such individual looking to work for one of these ridesharing services, you’ll want to make sure that you meet the minimum coverage requirements for Kansas, as stated in an earlier section.

In addition to this, you will also want to ask your provider if they offer ridesharing insurance. It’s an additional coverage type that a lot of these ridesharing services are starting to require their drivers carry in addition to their minimum policy.

In Kansas, the following insurance companies offer this ridesharing coverage option:

• Farmers Insurance
• Geico
• USAA

– Safety Laws

In order to keep yourself, and others, safe while out on the road, you’ll want to know a few of the safety laws present in Kansas.

– DUI Laws

Drinking and driving has become a massive problem all across the nation, which is why a lot of states are cracking down on drivers.

In 2017, Kansas alone had 102 drinking and driving related fatalities.

If you are caught drinking and driving in Kansas, you could be faced with some of the following:

– Marijuana-Impaired Driving Laws

While a lot of states have been legalizing the use of marijuana, the matter of marijuana-impaired driving is still up for debate. As this is such a new topic of conversation for lawmakers, not many states have marijuana-impaired driving laws as of yet, Kansas included.

Kansas currently, however, is not one such state to legalize the use of marijuana. So if you are even caught with marijuana in Kansas, you will get into some trouble for that alone.

– Distracted Driving Laws

Ever since the invention of the smartphone, drivers have had issues with distracted driving. It’s become such a problem that many lawmakers have been taking action.

Kansas state law currently, according to the Insurance Institute of Highway Safety (IIHS), bans texting for all drivers.

Those younger drivers who have learner’s permit or an intermediate license also can’t use handheld devices, but those with full regular driver’s license are allowed to use them.

Kansas Can’t-MIss Facts

You’re almost there! We’re down to the last section of this guide.

Here, we’ll talk about some of the facts and statistics of Kansas that you absolutely need to know. Everything from the number of vehicle thefts in the state, the various fatality statistics, to the different transportation statistics.

So keep reading to find out more.

– Vehicle Theft in Kansas

Vehicle theft is one of the most unfortunate things that could happen to a vehicle owner. This is why we feel you should be armed with the knowledge that will help you keep your vehicle safe in Kansas.

As you can see from the table above, it’s not the Ferrari and Lamborghini owners that are having their vehicles stolen the most, it’s the more common vehicles getting stolen, such as Chevrolet.

So where exactly should you worry about having your vehicle stolen in Kansas? Well, according to a study done by the FBI, the following data can be found for vehicle thefts in all of the cities in Kansas.

– Dangers on the Road in Kansas

The statistic no one likes to talk about is the number of fatalities seen while out on the road.

It’s something, however, that needs to be discussed! According to the National Highway Traffic Safety Administration (NHTSA), the following statistics are prevalent for the roads of Kansas.

– Fatal Crashes by Weather Condition and Light Condition 

– Traffic Fatalities

– Fatalities by Road Type

– Fatalities by Person Type

– Fatalities by Crash Type

– Five-Year Trend For The Top 10 Counties

– Fatalities Involving Speeding by County

– Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County

– Teen Drinking and Driving

The saddest part of the statistics above? This includes teen drivers. That’s right, teen drivers who have been drinking and driving.

Kansas is ranked as the 31st most dangerous state in the nation for teen drinking and driving.

So older drivers, we need to make sure to set good examples for younger drivers out there.

– EMS Response Time

– Transportation 

In this final section, we’ll briefly touch on some of the transportation statistics you’ll want to know about Kansas.

– Car Ownership

According to USA Data, Kansas citizens own approximately two vehicles per household.

– Commute Time

Kansas citizens, according to Data USA, see an average commute time of 18.2 minutes. This is a pretty awesome commute time considering the national average for commute time is approximately 25.5 minutes.

– Commuter Transportation

It’s no surprise that a lot of drivers prefer to drive alone. According to USA Data, Kansas citizens prefer to drive alone at a whopping 82.4 percent.

– Top City for Traffic Congestion

Being stuck in traffic can definitely be one of the most frustrating aspects of driving. So what kind of traffic congestion should you be concerned about in Kansas?

According to the INRIX Scorecard, Wichita, Kansas has the following traffic congestion data:

On both TomTom and Numbeo, however, Wichita didn’t make it onto either of their traffic congestion lists. This is a good thing as it means that while INRIX may have Wichita listed, two other traffic congestion sites didn’t even mention it.

You did it. You went through this comprehensive guide like a champ.

If you’re ready to start comparing insurance today, don’t forget to use our FREE online tool.