Kansas Auto Insurance Car Insurance Comparison

Known as "The Sunflower State", it's impossible not to have a sunny disposition while in Kansas. It's home to quirks such as the Wizard of Oz and the world's largest ball of twine.

Requirement : Yes

Car insurance is required in Kansas . Drivers must have a minimum of liability, personal injury protection, and uninsured/underinsured motorist coverage.

Minimum Coverage Car Insurance Requirements:

A minimum liability, personal injury protection, and uninsured/underinsured motorist coverage is required:

• $25,000 for bodily injury to one person.
• $50,000 for bodily injury per accident.
• $10,000 for property damage liability per accident.
• Personal Injury Protection (PIP) – No-fault insurance helps with certain costs resulting from a car accident, no matter who’s at fault.
• $45,000 for medical costs one person.
• $900 per month for 1 year of disability, and loss of income.
• $25 per day for in-home services
• $2,000 for funeral, cremation, or burial expenses
• $4,500 for rehabilitation
• Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
• $25,000 per person
• $50,000 per accident

Other Car Insurance Coverage Options:

Liability, personal injury protection, and uninsured/underinsured motorist coverage are the only requirement for Kansas motorist to have, there are several other types of coverage available to drivers:

• Collision – Covers damages to your vehicle due to an accident.
• Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
• Rental Reimbursement – Reimburses you if you have to rent a car after an accident.

• Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include: There are no alternative forms of financial responsibility. Kansas requires all drivers to have minimum coverage.
 

Proof of Insurance: Yes

You must carry proof of insurance with your vehicle at all times.

Valid forms of proof of financial responsibility include:

• Insurance card.

The card will include:

• Vehicle’s information:
• Make
• Model
• Year
• Safety Rating
• Value
• Your policy name & name of any other drivers insured under the policy.
• The policy term’s expiration date.
• A new policy card will be provided every time you renew your car insurance policy.

Insurance Violations:

Violations, Fines & Penalties:

• Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face suspension of your driver’s license for an indefinite period of time.

Credit Scores & Determining Your Insurance Premium :

All Kansas drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers   who are refused coverage by 3 private companies are eligible to apply for car insurance through the Kansas Automobile Insurance Plan.

Other factors that may be used to determine your premiums include:

• Age
• Gender
• Claim history
• Credit history
• Driving history
• Marital status
• Make, model of car
• Neighborhood or city of residence
• Deductible

Discounts : Yes

Discounts available in Kansas:

• Anti-theft discount
• Good driver discount
• Good student discount
• Multi-vehicle discount
• Safety device discount

Cellphone Use:

Novice drivers are banned from all cellphone usage. All drivers are banned from texting while driving. Cell phone and texting violations are considered primary offenses. Violators face a $60 fine.