Car insurance in Kansas

Posted on September 25, 2014

This page features the latest available rates and statistics for people seeking car insurance in Kansas. Here you’ll find some useful information that will help you figure out the Kansas auto insurance plan that works best for you.

Kansas Minimum Liability Coverage

The minimum required car insurance coverage for each vehicle owned in the state of Kansas is $25,000 for Personal Injury Protection (PIP), $50,000 in per-accident protection for injury to others, and $25,000 in coverage for property damage. In insurance circles, this required minimum coverage is written as 25/50/25. The minimum liability coverage for property damage recently went up in Kansas.

Penalties for Driving Without Insurance in Kansas

The penalties for getting caught driving without insurance in Kansas include fines of up to a thousand dollars and jail time of up to six months for first offenders. Multiple violations result in fines as high as $2,500, along with having your license suspended or revoked.

Auto Insurance Rates in Kansas

Car insurance premiums in the state of Kansas are affected by factors that include local weather conditions, local economy, percentage of uninsured drivers, availability of insurance companies and population density, to name a few. Other influences on annual premiums are the age, gender, marital status, occupation, driving record and vehicle owned, among other things.

The average annual premium for auto insurance in the state of Kansas was about $1,135 in 2016. This figure falls below the national average rate for car insurance, which hovered around $1,347 at that time. This is partly because Kansas has low crime, low population density and a relatively low rate of uninsured drivers.

Low Cost Car Insurance Programs in Kansas

Kansas, like most U.S. states, has numerous insurance carriers that offer discounts on auto insurance premiums. Available car insurance discounts for vehicles owned in the state of Kansas include Defensive Driving Course discounts for senior citizens, Safe Vehicle discounts for ownership of certain types of vehicles, and Good Student discounts for adults who are enrolled in school full time and demonstrating academic excellence. Other available car insurance discounts are offered for the installation of anti theft devices, for purchasing more than one insurance policy, and for insuring more than one vehicle. Ask local insurance agents about available discounts. Then run a cost comparison to find your best deal.

Obtaining Auto Insurance Quotes in Kansas

Analysis of online customer satisfaction ratings indicate that the most popular auto insurance providers in the United States are Allstate, Auto Owners Insurance, Geico, The Hartford, State Farm and 21^st Century Insurance. Remember, comparison shopping is the best approach to finding the best car insurance. The state of Kansas has several dozen auto insurance carriers to choose from. Chances are they all have an agent near you.

Kansas Car Insurance

Paying the premiums on your Kansas car insurance policy does not have to break the bank.

Read this page to learn how to lower your premium rates on Kansas auto insurance. If you are a driver in Kansas considering buying a car insurance policy, you might as well gather all the facts you can dig up about auto insurance demographics, and the discounts available in the state of Kansas.

Learn what types of auto insurance coverage Kansas drivers need. Choose the car insurance company that’s right for you, with help from a list of the 10 largest car insurance companies in the state of Kansas, and a list of the 10 largest car insurance companies in America. Check out current poverty statistics, unemployment rates, population data, median incomes, and other factors that influence auto insurance premiums in Kansas.

Learn the statewide average annual car insurance premium rate in Kansas, and see where Kansas ranks among states in terms of average premium rates. Also see the average annual car insurance premium rates for eight different Kansas zip codes.

Here are some ideas for reducing your personal Kansas car insurance rates as much as possible. Read on for further details.

Kansas Car Insurance Statistics

Kansas is a sparsely populated state known for its agricultural production, but Kansas is also known for its averageness.

The state of Kansas has a total resident population of just under 3 million people, based on a census bureau population estimate calculated in 2017. A recent study has revealed that the statewide average annual premium rate for a car insurance policy purchased in the state of Kansas was roughly $1,242, which breaks down to a manageable $104 a month. This figure falls a bit below the national average car insurance rate, which was around $1,355 at the time.

The median age of the residents of Kansas is roughly 36 years. The state’s poverty rate hovers around 12.8 percent. This is quite near the national average poverty rate of 13.5 percent, and typically Kansas-like in its averageness. The unemployment rate in Kansas is approximately 3.7 percent, a safe distance below the national average unemployment rate of 4.4 percent.

Recently, a team of analysts from the Insurance Research Council took a look at a sample of drivers in the state of Kansas. The study showed that roughly 9.4 percent of vehicles registered in Kansas are uninsured. That means one out of every ten or eleven vehicles in Kansas is operating without insurance. Still, Kansas ranks (once again) about average among states in its rate of uninsured drivers.

The Largest Kansas Car Insurance Companies

Any of the largest Kansas car insurance companies may not necessarily be the best to suit your needs, but large companies are successful and well established, so perhaps they might be doing something right. Still, there are many other Kansas car insurance companies to like, including quite a few smaller, regional carriers. So how can we tell which car insurance company to choose? One idea is to review some of the more popular favorites among drivers in Kansas, as well as some national favorites.

According to recent research, the ten largest car insurance companies in the United States are Allstate Insurance, State Farm Insurance, Geico, Progressive Insurance, Nationwide Group, AAA, Liberty Mutual Insurance, 21^st Century Insurance, GMAC, and AIG, in that order. For this list, car insurance companies were ranked by their annual dollar amount in written premiums.

Now compare the top ten car insurance companies in America to the ten largest car insurance companies in Kansas, shown below. Again, companies were ranked by the total amount of direct annual premiums written for each company. This amount indicates the total revenue, which tells us of each company’s total market share within the state of Kansas.

Rank	Company	Premiums ($)	Market Share (%)
1	State Farm Group	$313,415	20.5
2	American Family Insurance Group	$198,552	12.99
3	Progressive Insurance Group	$152,944	10
4	Farmers Insurance Group	$132,153	8.64
5	Farm Bureau P&C Group	$129,547	8.47
6	USAA Group	$75,522	4.94
7	Allstate Insurance Group	$66,866	4.37
8	Liberty Mutual Insurance	$64,182	4.2
9	Nationwide Group	$63,702	4.17
10	Berkshire Hathaway Insurance	$63,694	4.17

As you can see, State Farm Insurance is the most popular auto insurance carrier in the state of Kansas, holding more than one in every five car insurance policies sold in Kansas. Still, the best insurance carrier for you depends on your personal demographics. There is basically no such thing as The One Best Kansas Car Insurance Company.

Cutting Costs on Kansas Car Insurance

Lowering the cost of premium rates on a Kansas car insurance policy is easy to do if you compare quotes and grab all the available discounts. Drivers in the state of Kansas can reduce their car insurance rates in the following ways:

Kansas drivers are encouraged to read a number of recent consumer reviews from a few different major Kansas car insurance companies. All major (and most smaller) car insurance companies are competitive, yet they all conduct their businesses in slightly different ways. You’ll need to read consumer reviews to be able to choose the car insurance companies that might work best for you.

Next, make a list of some of your favorite Kansas car insurance companies. Then, visit these company websites to get online quotes. It is most thorough to compare online quotes not only from different insurance companies, but also for different Kansas zip codes from a single insurance company. For example, you could enter home zip code, your work zip code, and your school zip code.

Remember to find out about the discount programs offered by each car insurance company whose website you visit. To be sure you’re not missing any important discounts, call the agent to see which discounts you qualify for. Be super proactive about discounts. The agent will not necessarily think to ask. Types of car insurance discounts you can qualify for may include billing discounts, occupational discounts, vehicle discounts, anti theft device discounts, low mileage discounts, senior discounts, good student discounts, and safe driver discounts, to name only a few.

Adding up the discounts and comparing auto insurance quotes between companies and zip codes are two smooth ways to reduce your rates on Kansas car insurance.

What Types Of Car Insurance Do Kansas Drivers Need?

Kansas state law requires that all drivers in the state purchase minimum liability coverage limits of $25,000 against bodily injury to others, $50,000 in per-accident coverage, and $25,000 to cover the cost of property damage. Also required for Kansas drivers is $5,400 in personal injury protection (PIP). However, state minimums are not generally high enough to cover the costs of real auto accidents.

Drivers in Kansas are encouraged to buy the same liability limits in uninsured and underinsured motorist protection (UMI). Although the state of Kansas is (as usual) average in terms of its rate of uninsured drivers, vehicles that do have insurance are often underinsured, due to the low state minimum coverage requirements.

United States insurance experts suggest that drivers in the state of Kansas buy more than the minimum amount of car insurance coverage required by state law. Recommended coverage amounts are more like $100,000 for personal injury protection, $300,000 against bodily injury to others, and no less than $50,000 to cover the cost of property damage.

For over-the-top protection, drivers in Kansas can also buy comprehensive and collision coverage. This extra coverage will pay out the cost of damage to your vehicle caused by auto collisions, animal hits, wind damage, flash floods, wildfires, falling trees, and flying objects, among other misfortunes.

Odd and Outdated Kansas Traffic Laws

In the state of Kansas, pedestrians crossing highways after dark must wear tail lights.
In Derby, people are not permitted to screech their tires while driving.
Also in Derby, it is illegal to ride any animal down any road.
All vehicle drivers wishing to enter the city limits of Lawrence must first sound the horn to warn the horses of their arrival.
In Russell, it is illegal to have a “musical” car horn.
In Salina, it is illegal to leave your car’s engine running while the car is unattended.
In Wichita, before crossing the intersection of Douglas and Broadway, a driver is required to get out of the vehicle and fire three gunshots into the air.
It is illegal to drive a herd of cattle through Topeka.
Also in Topeka, it is illegal to haul dead chickens across Kansas Avenue.

Best And Worst Zip Codes For Kansas Car Insurance

Kansas car insurance premium rates depend on many factors, including your specific Kansas zip code. Insurance rates are calculated in terms of the driver’s traffic history, as well as in terms of the driver’s zip code. Car insurance rates will change with the changing zip code demographics, due to variances in population densities, unemployment rates, the median age of the residents, and median income levels, as well as poverty rates, crime stats, and the percentage of uninsured vehicles on the roads.

Here is a list of the four priciest zip codes in the state of Kansas to buy an auto insurance policy. Annual premiums in these areas can range from about $900 to around $2,510. Kansas car insurance premiums are highest in Kansas City.

Zip Code	Pop Density	Unemployed %	Poverty %
66115 (Kansas City)	1,009	0%	29.70%

Curiously, this Wyandotte County zip code is comprised of nearly 70 percent males and only about 30 percent females. Perhaps the reason is that this neighborhood features many industrial businesses. In any case, car insurance is generally more expensive for men than for women. Also, the poverty rate here is quite above the state average.

Zip Code	Pop Density	Unemployed %	Poverty %
66160 (Kansas City)	0	0%	0%

This neighborhood as the 2^nd most expensive zip code to buy Kansas car insurance, perhaps because this neighborhood is home to the Kansas University Medical Center.

Zip Code	Pop Density	Unemployed %	Poverty %
66105 (Kansas City)	721	19.80%	32.30%

This urban zip code features sky high unemployment and poverty rates.

Zip Code	Pop Density	Unemployed %	Poverty %
66104 (Kansas City)	1,577	16.90%	26.30%

In this zip code, the unemployment rate far exceeds the state average, and the poverty rate is more than twice the state average.

Now compare the Kansas zip codes listed above to the neighborhoods shown below. Here is a list of the four cheapest zip codes (on average) in the state of Kansas to buy car insurance. Annual premium rates in these neighborhoods can range from about $690 to around $1,660.

Zip Code	Pop Density	Unemployed %	Poverty %
67117 (North Newton)	1,760	3.30%	11.70%

Poverty and unemployment are both clearly below the state average in this neighborhood.

Zip Code	Pop Density	Unemployed %	Poverty %
67460 (McPherson)	66	2.60%	6.00%

Poverty and unemployment are even lower in this neighborhood of about 15,000 people. What’s more, the population density is super light.

Zip Code	Pop Density	Unemployed %	Poverty %
67456 (Lindsborg)	33	4.80%	6.00%

This zip code is home to less than 5,000 people. The population density is very low, as is the poverty rate, although the unemployment rate is slightly above the state average.

Zip Code	Pop Density	Unemployed %	Poverty %
66506 (Manhattan)	5,328	10.10%	0%

This zip code is home to Kansas State University. That’s why the median resident age here is only 19.3 years. The population density is average in this Riley County neighborhood of fewer than 4,000 people.

Overall, the state of Kansas is home to 344 zip codes sprinkled over 29 counties made up of 251 cities, from Abilene to Wichita and every place in between. The bottom line is that there is quite a difference in annual premium rates between the least expensive zip codes and the most expensive zip codes to buy Kansas car insurance.

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