Cheap Car Insurance Companies In Kansas

The average semiannual cost of car insurance in the state of Kansas is $820.14. An insured premiums are influenced by more variables than purely their place of residence. Car insurance underwriters calculate auto insurance rates after assessing a range of criteria such as the policyholder’s age, driving record, marital status, and credit rating. We examined typical car insurance costs in Kansas across each of the predominant rating factors. We aim to provide consumers insight to identify a car insurance policy that meets their needs and budget.

*Data Methodology – Updated 3/1/2024

The Kansas car insurance rates are based on a 35-year-old male with the most popular car (Honda Accord) living in KS. The Quote is for full coverage with comprehensive at $500 deductible and collision at $500 deductible.

Kansas Minimum Liability Coverage

Kansas requires all drivers to carry minimum liability insurance coverage in order to legally drive on public roads. The minimum liability coverage in Kansas includes:

• Bodily Injury Liability – $25,000 per person/$50,000 per accident. This coverage pays for injuries and lost wages of other people involved in an accident caused by the insured driver.
• Property Damage Liability – $10,000. This coverage pays for damage to other people’s vehicles and property caused by the insured driver.
• Personal Injury Protection (PIP) – $4,500. PIP coverage pays for medical expenses and lost wages of the insured driver and passengers in the insured vehicle, regardless of fault.
• Uninsured/Underinsured Motorist Coverage – $25,000 per person/$50,000 per accident. This coverage protects the insured driver and passengers if they are injured in an accident caused by a driver who does not have adequate insurance or no insurance at all.

Penalties for Driving Without Insurance in Kansas

Driving without insurance in Kansas is illegal and comes with steep penalties. Kansas law requires all vehicle owners to carry continuous liability insurance coverage. Those who fail to comply face a range of legal consequences and fines.

The first offense for driving without insurance in Kansas is a class B misdemeanor, punishable by a fine between $300 and $1,000. The court may also require community service of up to 100 hours and up to 6 months in jail, though jail time is uncommon for a first offense.

For a second or subsequent offense within a year of the first, the penalty increases to a class A misdemeanor. This carries a fine between $500 and $2,500, up to 1 year in jail, and up to 200 hours of community service. Your license will also be suspended for 30 days.

In addition to penalties from the court, Kansas also charges an uninsured motorist fee. For a first offense, this fee is $500. It increases to $800 for a second offense and $1,200 for a third or subsequent offense within a 3-year period. This fee must be paid before your license can be reinstated.

Driving without insurance in Kansas is a serious issue. In addition to fines and possible jail time, you will face license suspension and high uninsured motorist fees. Maintaining continuous automobile liability insurance coverage is the law, and the penalties for failing to comply are designed to encourage compliance. Make sure your insurance coverage is up to date to avoid these severe consequences.

Auto Insurance Rates in Kansas

Auto insurance rates in Kansas are determined by a number of factors. Insurers consider the driver’s personal information, driving history, vehicle type, and more.

The driver’s age, gender, and marital status can impact rates. Generally, younger and single drivers pay higher rates due to their perceived higher risk. Drivers under 25 often face the highest rates.

A driver’s claims history and traffic violations strongly affect rates. Drivers with a DUI, at-fault accident, or multiple tickets will likely see higher premiums for several years. Insurers also check the number of years the driver has been licensed. More experience usually means lower rates.

The type of vehicle driven is a factor. Sports cars and luxury vehicles tend to have higher insurance costs due to their higher repair costs and increased risk of theft. Vehicles with modern safety features can qualify drivers for discounts.

The number of miles driven annually also impacts rates. Drivers who commute long distances for work often pay higher premiums. However, some companies offer lower rates for drivers with lower annual mileage.

In addition to the standard factors, insurers may also consider credit scores when setting rates. Though the practice is controversial, many companies argue that drivers with lower credit scores present more risk.

Low Cost Car Insurance Programs and Discounts in Kansas

Car insurance premiums in Kansas are generally considered affordable compared to other states. However, there are still ways to reduce your costs further through low-cost insurance programs and discounts. Here are some options to explore:

• Good student discounts. Many insurance companies offer discounts for students who maintain a good GPA, typically a B average or higher. Students should ask their provider about this discount and submit official proof of their GPA to qualify.

• Multi-policy discounts. Bundling your auto and homeowners insurance with the same provider can often save you 5% or more off your auto insurance.
• Defensive driving courses. Completing an approved defensive driving course could earn you a discount of up to 10% from some insurers. Check with your provider for approved courses.
• Low-mileage discounts. If you drive fewer than 7,500 to 10,000 miles per year, you may qualify for a low-mileage discount of 5% to 10%. Provide accurate odometer readings to your insurer.
• Anti-theft devices. Having an alarm system, immobilizer, or other approved anti-theft device can earn a discount of 5% to 10% from some companies.
• Paying in full. Opting to pay your full 6 or 12 month premium up front, rather than in installments, may earn you a small discount.
• Shopping around. Comparing rates from multiple insurers is the best way to find the lowest price. Get at least 3 quotes to identify the best deal.

Kansas Car Insurance Statistics

Kansas has some unique car insurance statistics that drivers should be aware of. Understanding these numbers can help you determine the best insurance coverage options for your needs and budget. Here are some key facts:

• Kansas has a relatively low uninsured motorist rate of 8.5%, well below the national average of 12.6%. This means that most Kansas drivers carry car insurance, reducing the risk of being involved in an accident with an uninsured motorist.
• The average annual expenditure on car insurance in Kansas is $885, slightly below the national average of $935. However, insurance rates do vary significantly across the state. Urban areas like Wichita and Kansas City tend to have higher premiums than rural areas.
• The most expensive vehicles to insure in Kansas are luxury cars, pickup trucks, and sports cars. Vehicles with high repair costs and those that are frequently stolen command higher premiums from insurance companies.
• Kansas is a tort state, meaning that injured parties can sue to recover economic and non-economic damages from at-fault drivers. This contributes to higher insurance costs compared to some no-fault states.
• Bodily injury liability coverage limits of $50,000 per person and $100,000 per accident are the state minimum requirements in Kansas. However, higher liability limits of $100,000/$300,000 or $250,000/$500,000 are recommended to ensure adequate protection.

The 10 Largest Kansas Car Insurance Companies

Kansas drivers have several options when it comes to choosing a car insurance provider. Here are the 10 largest Kansas car insurance companies based on market share:

1. State Farm – State Farm has the largest market share in Kansas, insuring over 26% of the market. State Farm is known for affordable rates, multi-policy discounts, and 24/7 customer service.
2. Farmers Insurance – Farmers is the second largest provider in Kansas, covering over 11% of insured drivers. Farmers offers a wide range of coverage options along with insurance bundling discounts.
3. Progressive – Progressive insures over 8% of Kansas drivers, ranking them third. Progressive is a leader in usage-based insurance through their Snapshot program, offering lower rates based on your driving habits.
4. Liberty Mutual – Liberty Mutual has over 7% of the Kansas market, ranking them fourth. They are known for offering discounts for good students, safe drivers, and those who bundle policies.
5. American Family Insurance- With a 6% market share, American Family ranks fifth. They offer competitive rates, multi-policy discounts, and 24/7 claims service for Kansas customers.
6. Allstate – Allstate insures around 5% of Kansas drivers, ranking sixth. Allstate is known for their Good Hands Promise and wide range of coverage options for customers in the state.
7. Geico – Geico has grown its market share to nearly 5% in Kansas, ranking them seventh. Geico is one of the most affordable options and also offers 24/7 customer service.
8. Nationwide – Nationwide insures around 3% of Kansas drivers, ranking eighth. They offer a wide range of discounts and coverage options for Kansas customers.
9. Erie Insurance – Erie has over 2% of the Kansas market, ranking them ninth. Erie is known for their exceptional customer service and wide range of coverage options.
10. Shelter Insurance – Shelter is the tenth largest provider with over 1% of insured drivers in Kansas. They offer affordable rates and multi-policy discounts for Kansas customers.