We spend so much time exploring the newest model, the jazziest colors, the snazziest of security features! However, most of us know much too little about auto insurance and all that it includes. If you are among those who have no clue about Kansas car insurance, don’t worry. We have done the heavy lifting for you. Here is a detailed guide to Kansas auto insurance for you and everything that you must know.
Who Has The Cheapest Auto Insurance In Kansas?
Finding the cheapest Kansas car insurance can be difficult as many insurance providers claim to offer the cheapest insurance. Charges on a single policy can differ from one insurer to another by hundreds or even thousands of dollars, which is why it is essential to compare a variety of entrepreneurs.
We looked at offers from multiple Kansas insurance companies to identify the best choices for several age categories of drivers for minimum and full coverage.
Cheapest for 20-year-old drivers in Kansas
To find cheap auto insurance in Kansas, drivers in their 20s must avail of many quotes. For younger 20-somethings, rates may be sky-high but tend to come down as drivers gain more experience on the lane. Nonetheless, some firms regularly have decent insurance rates for young drivers, but it’s safer to search around to find cheap auto insurance in Kansas.
Cheapest full coverage in Kansas for 20-year-olds
Drivers in Kansas with good driving records might want to consider the following companies, which offer the cheapest car insurance in Kansas:
- Farmers Union: $2,256 per year.
- Geico: $2,325 per year.
- Auto-Owners: $2,475 per year.
- American Family: $2,564 per year.
- Farmers: $2,689 per year.
- Allstate: $2,785 per year.
- State Farm: $2,894 per year.
Cheapest minimum coverage in Kansas for 20-year-olds
Kansas drivers who only want the minimum state coverage may want to check with these companies, which are known as cheap car insurance companies in Kansa, for minimum coverage.
- Auto-Owners: $735 per year.
- State Farm: $794 per year.
- Farmers Union: $825 per year.
- Allstate: $869 per year.
- Farmers: $927 per year.
- Safeco: $985 per year.
- Farm Bureau Financial Services: $1,140 per year.
Cheapest for 30-year-old drivers in Kansas
Many drivers can receive lower auto insurance premiums by the time they hit their 30s than in their teens and 20s. Even considerations such as the driving record of an individual and the make and model of a car will raise costs. By shopping around, drivers in their 30s can get lower rates.
Cheapest full coverage in Kansas for 30-year-olds
Drivers with clean driving records in Kansas can get the lowest prices from these firms:
- Auto-Owners: $1,255 per year.
- Progressive: $1,387 per year.
- Farm Bureau Financial Services: $1,425 per year.
- Farmers: $1,492 per year.
- State Farm: $1,568 per year.
- Geico: $1,675 per year.
- American Family: $1,750 per year.
Cheapest minimum coverage in Kansas for 30-year-olds
Kansas drivers who want minimum coverage from their state should consult with these car insurance companies in Kansas, which offer the lowest average rates:
- Auto-Owners: $435 per year.
- Allstate: $497 per year.
- Electric Insurance: $536per year.
- Farm Bureau Financial Services: $587 per year.
- State Farm: $617 per year.
- Safeco: $698 per year.
- Farmers: $755 per year.
Cheapest for 40-year-old drivers in Kansas
Drivers appear to avail better insurance rates in their 40s than their younger counterparts. Shopping around with various insurers for cheap auto insurance quotes is the easiest way to discover lower premiums. Good drivers who frequently do not get behind the wheel will want to seek pay-per-mile insurance, which costs drivers how many miles they drive.
Cheapest full coverage in Kansas for 40-year-olds
You can consider the following firms for the cheapest full coverage in your region.
- State Farm: $1,215 per year.
- Allstate: $1,297 per year.
- Farmers: $1,355 per year.
- Progressive: $1,476 per year.
- Auto-Owners: $1,518 per year.
- Erie: $1,582 per year.
- Farm Bureau Financial Services: $1,675 per year.
Cheapest minimum coverage in Kansas for 40-year-olds
Kansas drivers who only want the minimum coverage will want to contact these companies, which have the lowest average rates:
- Auto-Owners: $415per year.
- Erie: $489 per year.
- State Farm: $551 per year.
- Farmers: $682 per year.
- Farm Bureau Financial Services: $754 per year.
- Allstate: $864 per year.
- Electric Insurance: $953 per year.
Cheapest for 50-year-old drivers in Kansas
On average, drivers in their fifties have cheaper auto insurance premiums than any other age category. If they inch into their 60s and gain more driving experience, costs will continue to plummet. Rates will also differ based on different variables, such as gender and position, so it is wise to look around and find the right deal.
Cheapest full coverage in Kansas for 50-year-olds
Drivers with a clean record may want to get quotes from these car insurance companies in Kansas, who offer the lowest average prices for Kansas auto insurance:
- Allstate: 1,255 per year.
- Farmers: $1,367 per year.
- Farm Bureau Financial Services: $1,415 per year.
- State Farm: $1,489 per year.
- Farmers Union: $1,520 per year.
- Erie: $1,584 per year.
- Auto-Owners: $1,675 per year.
Cheapest minimum coverage in Kansas for 50-year-olds
The following firms, with the lowest average prices, will want to consider drivers in Kansas who opt for the minimal state coverage:
- Farmers Union: $410 per year.
- Farmers: $492 per year.
- Farm Bureau Financial Services: $515 per year.
- Electric Insurance: $567per year.
- Auto-Owners: $597 per year.
- Allstate: $654 per year.
- Safeco: $696 per year.
Cheapest for 65-year-old drivers in Kansas
While 65-year-olds have cheaper car insurance premiums on average than many other age groups, as they get older, costs will start to increase. Drivers in their mid-60s should make sure to search around to find the best deal to find cheap auto insurance in Kansas for seniors. Drivers in this age group should also use any accessible discounts for senior citizens.
Cheapest full coverage in Kansas for 65-year-olds
Drivers with clean driving records in Kansas will want to consider obtaining quotes from these firms with the lowest average rates:
- State Farm: $1,145 per year.
- Auto-Owners: $1,187 per year.
- Erie: $1,236 per year.
- Farmers: $1,279 per year.
- Farmers Union: $1,348 per year.
- Allstate: $1,395 per year.
- Farm Bureau Financial Services: $1,456 per year.
Cheapest minimum coverage in Kansas for 65-year-olds
Kansas drivers who want the minimum state coverage will want to consult with these insurers, which have the lowest average rates for Kansas car insurance:
- State Farm: $215 per year.
- Auto-Owners: $259 per year.
- Allstate: $325 per year.
- Farm Bureau Financial Services: $348 per year.
- Farmers Union: $382 per year.
- Travelers: $397per year.
- Electric Insurance: $455 per year.
Who Has The Best Auto Insurance In KS?
Kansas auto insurance companies are those that offer enough coverage to keep you out of pocket following an accident. While Kansas has some of the lowest minimum requirements globally, the effects of insurance skimping can be costly.
That’s why here are the top-rated car insurance companies in Kansas, all with financial power, customer support, incentives, and more, to help you pick an insurer that will protect your vehicle without breaking the bank.
Best Overall: State Farm
State Farm is the best car insurance company in Kansas, but not because it has the lowest premium rates. State Farm is a car insurer for people who put a high emphasis on customer service. Unlike several auto insurance providers, it provides coverage for antique and vintage vehicles. You should feel confident about State Farm because it is financially stable and highly valued by the Business Bureau, A.M. Best, and Standard & Poors. State Farm also provides a wide variety of discounts for accident-free vehicles, good teachers, sound drivers, anti-theft equipment, and more.
Best Coverage for Multiple Cars: Farm Bureau
You’ll get a standard collection of coverage choices with the Farm Bureau—like the State Farm—and you’ll get fewer discounts. The Farm Bureau has strong financial scores and offers you the option of combining several vehicles and other insurance into a single policy with just one deductible.
The Farm Bureau Member’s Option policy ensures that you only have to make one insurance premium per month. For example, if a storm damages more than one car and your house, you must pay one deductible before you can start earning money on your claims.
Best for Military Personnel: USAA
The USAA is known for its friendly customer support and fast claims resolution. It is financially solid and has nabbed high ratings in Auto Claims Satisfaction Report. USAA is one of the top insurance companies in the industry. Still, its programs are available only to eligible military personnel, including active duty, military veterans and retirees who have served honorably, spouses of current or retired service members, and USAA members’ children.
Top Best Auto Insurance Companies In Kansas
In Kansas City, customers should compare coverage levels, price, and company ratings for automobile insurance. To help you save from this hassle, we’ve done the legwork for you by identifying top Kansas car insurance providers. So, without further ado, let’s know more about them.
More than 18 million people, including many Kansas City residents, are insured by Progressive. Buyers find a convenient “one-stop-shop” for all things happening in KC with hundreds of storefronts, including repairs, rentals, and support on location. On average healthy drivers save 31%.
- Car, motorcycle, boat, and RV insurance
- Bundle plans & save
- Safe driver discount
- Personalized rates
Esurance is a perfect choice for families with many drivers with a vast network of repair shops, roadside assistance, and coverage levels. Esurance also provides CoverageMyWay to prioritize your coverage needs. The discount on Renters Plus in Kansas’s city offers car insurance providers a discount if renters are insured.
- Accident forgiveness
- Flexible payment options
- Comprehensive coverages
- Standard liability coverage
Safeway Insurance Agency
Safeway Insurance Agency is the only local company on our list with excellent services at an incredible rate. Safeway has been showing respect and compassion to its customers for over 20 years. Safeway reviewers found coverage half the price of other firms while providing “superb customer service.”
- Extensive coverages
- Car theft coverage
- Uninsured driver protection
- No-fault policy
Liberty Mutual, an insurance company, provides new members discounters and good drivers with RightTrack can save up to 30%. Liberty Mutual has an outstanding reputation for customer service, but the Missouri Insurance Department reports a complaining index of 136 percent, which is higher than average. The offer of the business is highly regarded despite the local feedback.
- Free online quote
- Save up to 30% for good driving
- 24/7 road assistance
- Accident forgiveness
The General is an ideal choice for those without flawless driving records. The general scheme is always easy to find decent coverage at a reasonable price at a high reception rate for drivers of all backgrounds. The Kansas City reviewers call “fast,” “simple,” and “cheap” the enrollment process.
- Driving record forgiveness
- Accepts drivers with a poor driving history
- Online quote free of charge
- Customized due date rates
Kansas Minimum Auto Insurance Requirements
The Kansas Insurance Commissioner has made a provision for all state-owned vehicles to be protected by liability, personal injury compensation, and motorist uninsured and underinsured coverage.
Liability Coverage minimums:
- $25,000 per single bodily injury or death.
- $50,000 per multiple bodily injury or deaths.
- $10,000 for property damage.
Personal Injury Protection (No-fault or PIP):
- $4,500 per person
- $25/day for in-home care
- $2,000 to cover the funeral, burial, or cremation expense
- $4,500 for reclamation
- Survivor Benefits: up to $900 a month for an income loss and disability
Uninsured/Underinsured Motorist Coverage:
How To Get Cheap Auto Insurance In Kansas?
Many insurers offer Kansas auto insurance discounts to those who bundle their insurance plans. You will get lower premiums if you have more than one vehicle on a contract or have your insurance provider combined with your homeowners or tenants. You will also often earn discounts on your insurance for younger drivers if they keep a specific scholastic average and eligible for a decent student discount.
Learn all about the cheapest auto insurance firms for young people if you want to add a young driver to your account to find more ways to save.
The Kansas Auto Insurance Department provides these tips to reduce your premium and get the cheapest car insurance in Kansas:
- Shop around and compare the rates.
- Keep a clean record of driving.
- Take the maximum deductible you can pay for collision and extended coverage.
- Consider carrying just liability coverage if the market value of your vehicle is less than $3,000.
- Pay the premium well in advance of the due date, and there is no grace period for car insurance.
- Please review your policies regularly and adjust your coverage levels accordingly.
The Kansas Insurance Department encourages customers to ask their insurance provider if they are eligible for even more discounts than those recommended by insurance providers, such as:
- Two or more policy cars
- Motor Vehicle Accident Prevention Course – companies are required by law to provide this discount.
- Courses in Driver Education
- Mature driver (between the ages of 50 – 65)
- The braking system, airbags, and other protective devices
- Theft-resistant gadgets
- Low kilometer
- Clean record driving; a free record of incidents
- Car/Home insurance under the same company or the same scheme
Be sure to go shopping for a new insurance policy for your car. The great way to get the cheapest car insurance in Kansas is to compare quotes from various companies.
Cheap Car Insurance Kansas For Minimum Coverage
The cheapest providers and average rates for minimum insurance are for Kansas drivers who wish just bare-bone coverage:
- Geico: $526 per year.
- State Farm: $578 per year.
- Safeco: $664 per year.
- Progressive: $785 per year.
- Allstate: $835 per year.
- USAA: $957 per year.
- Travelers: $1,115 per year.
Average premiums determined these numbers for good 30-40-year-old drivers who only carry minimum compulsory insurance in their state (with a discount is provided by the insurer). Usually, such light covers are not recommended as they do not cover all bills arising from a car accident. Still, they are better than nothing, mainly if you can’t afford anything else. You will also want to get automobile insurance quotes from at least three auto insurers if you’re looking for the cheapest possible insurance. Because insurance rates for vehicles are dependent on certain factors, your insurance rates for cars vary from those shown here.
Cheap Car Insurance Kansas For Drivers with One At-Fault Crash
These providers offer the cheapest car insurance in Kansas and the average rates for full coverage for a Kansas driver who is at fault in a recent accident:
- Geico: $1,419 per year.
- Progressive: $1,475 per year.
- Erie: $1,584 per year.
- Nationwide: $1,685 per year.
- Travelers: $1,768 per year.
- Allstate: $2,125 per year.
- State Farm: $2,197 per year.
Some auto insurers can charge a lot more than others for coverage after a relatively minor accident. We averaged premiums for 30-40-year-olds with traditional “full coverage” insurance and a recent at-fault accident costing $15,000 in property damage to get these estimates. After you have had an accident or have a moving breach, the premiums may stay high for three to five years, and you might also be disqualified for compensation by some firms, like those above.
If you fall into this group, only after the three-year and five-year anniversaries of your breach, be sure to shop for new insurance rates. Your car insurance premiums will vary from the rates shown above since car insurance rates are dependent on individual factors.
Cheap Car Insurance Kansas For Good Drivers With Poor Credit
Kansas drivers with bad credit and a clean driving record would want quotes from insurers that repaid the cheapest full coverage average rates:
- Progressive: $1,215per year.
- Travelers: $1,356 per year.
- Erie: $1,457 per year.
- Safeco: $1,583 per year.
- Geico: $1,657 per year.
- Travelers: $1,872 per year.
- USSA: $2,184 per year.
If you’ve got a spotty credit history, then you must shop around. Bad credit may have a higher impact than either a DUI conviction or a recent loss, but premiums differ according to the insurer. To measure this, we averaged 30-to 40-year-old rates with a smooth driving record and a decent driver discount if provided by the insurer. They had poor loans and regular “full coverage” car insurance, as stated by their insurer. Owing to individual factors in the insurance premiums for vehicles, your car’s insurance rates vary from the ones shown here.
Cheap Car Insurance Kansas After a Ticket
When a Kansas driver reports a recent ticket, these are the lowest insurance providers and the typical full coverage rates:
- American Family: $1,152 per year.
- Safeco: $1,193 per year.
- Allstate: $1,255 per year.
- State Farm: $1,376 per year.
- Geico: $1,467 per year.
- Progressive: $1,582 per year.
- Erie: $1,627 per year.
- Allstate: $1,756 per year.
Having a speeding ticket would result in higher car insurance premiums from most firms for three to five years. The average auto insurance premium for 40-year-old drivers with full coverage insurance and a recent 16 mph speed ticket over the limit has also been measured to see who has the lowest rates. While these more prominent companies were the cheapest, we found, others could be less costly for you, so be sure to get a minimum of three quotes before deciding on a company. Owing to individual factors in the insurance premiums for vehicles, your car’s insurance rates vary from the ones shown here.
Cheap Car Insurance Kansas After DUI
For a Kansas driver with a recent DUI background, the cheapest insurers and the average full coverage rate are:
- Geico: $1,315 per year.
- State Farm: $1,387 per year.
- Progressive: $1,456 per year.
- American Family: $1,579 per year.
- Allstate: $2,126 per year.
- Safeco: $2,179 per year.
- Erie: $2,287 per year.
In general, an arrest for driving under the influence, or DUI, results in higher automobile insurance rates than before. We examined the prices for 30-to 40-year-old drivers and regular ‘full coverage’ auto insurance with a recent DUI conviction to see which providers were the cheapest. Be alert that you may be denied coverage, including from the companies mentioned above. Rates may differ by hundreds between carriers after a DUI, and some may be penalized for longer than others, so it is necessary to search around for the best possible price right after you see a price rise and every year after that.
Cheap Car Insurance Kansas For A Married Couple
If you add a second car or driver to your insurance policy, you certainly won’t double your costs—but you may want to take another look at your options. Each insurer has its pricing formula, so the cheapest company for a single driver may not have the lowest rates for a couple or a family. Here’s what we find for the two-vehicle and two or three-driver policy in Kansas.
For Kansas’s husband and wife, between 45 and 50 years of age, these providers provide the cheapest car insurance in Kansas and the average rates we find for maximum coverage of two cars, assuming clean driving and credit records:
- American Family: $1,570 per year.
- Geico: $1,249 per year.
- Allstate: $1,855 per year.
- Progressive: $1,615 per year.
- State Farm: $1,679 per year.
- USAA: $1,726 per year.
- Travelers: $1,795 per year.
Couples living together will save on auto insurance, whether they are married or not, since multi-vehicle and multi-driver discounts are available. Once they tie up the knot, premiums can fall further, but not due to discounts — insurers consider married individuals less risky and charge them lower rates. The clean record of our 45 to 50-year-old couple also wins a substantial driver discount for them both. Since car insurance premiums are individually calculated, you will be entitled to the rates displayed here for your car insurance.
Cheap Car Insurance Kansas For Families With A Teen
For a 45-50-year-old couple in Kansas plus an 18-year-old driver, the cheapest insurers and the average cost for two fully insured vehicles are as follows:
- Safeco: $2,345 per year.
- American Family: $2,659 per year.
- Geico: $2,743 per year.
- State Farm: $2,795 per year.
- Allstate: $3,256 per year.
- Progressive: $3,159 per year.
- Erie: $3,354 per year.
Adding a teen with two years of driving experience to a married couple’s policy is likely to make a significant leap in prices. Since different insurers appear to see teen inexperience differently, we evaluated the prices to see which provider has the cheapest car insurance for teens. These rates are averaged for 45-50-year-old couples with 18-year-old male and female drivers. Since car insurance premiums are dependent on individual factors, your car insurance rates would be different from the rates shown here.
Cheap Full Coverage Kansas For Young Good Drivers
For full coverage, these are the best insurers and the average prices for a 20-25-year-old Kansan with clean driving and credit records:
- Geico: $745 per year.
- Progressive: $815 per year.
- Allstate: $895 per year.
- State Farm: $976 per year.
- USAA: $1,125 per year.
- Safeco: $1,179 per year.
- Nationwide: $1,275 per year.
Drivers in their 20s can find it hard to get the right cheap auto insurance Kansas, and that’s even truer when they need full coverage. The rates above are averages for a 20-to 25-year-old male and female drivers with extensive and accident coverage, also required for drivers with active car loans or leases. These rates represent an excellent discount on the driver. Like all drivers, young drivers can review a few quotes to find the cheapest amount of coverage they need. Since car insurance premiums are dependent on individual factors, your car insurance rates would be different from the rates shown here.
Cheap Minimum Coverage Kansas For Young Good Drivers
If a young Kansas driver wishes to keep to the minimum insurance standards, the cheapest choices and average rates are as follows:
- Progressive: $654 per year.
- State Farm: $698 per year.
- Geico: $765 per year.
- Safeco: $848 per year.
- Erie: $892 per year.
- American Family: $954 per year.
- Travelers: $998 per year.
Since young people typically have fewer assets to defend from liability insurance, they may generally get away with lower coverage limits. For an age group with too high insurance premiums on average, this is good news, holding rates as low as possible. For this price set, average prices for 20-a 25-year-old male and female drivers have clean driving histories, good credit, and bare-bone insurance coverage. Since car insurance premiums are dependent on individual factors, your car insurance rates would be different from the rates shown here.
Is Kansas A No-Fault State?
Kansas is one of the thirteen states that have implemented a ‘no-fault’ approach to insurance claims. This ensures that following a car accident, your basic no-fault (‘Personal injury insurance’ or ‘PIP’) coverage pays for your medical expenses and any other out-of-pocket losses, regardless of who caused the accident.
Specifically, the minimum benefits available to those making a no-fault/PIP claim in Kansas are as follows:
- $4,500 per person for medical costs incurred in the event of an accident
- $900/month (for up to one year) for disability/loss of income due to an accident.
- $25/day for in-home care (house cleaning, other tasks) you can’t do because of your injuries.
- $2,000 for the funeral, burial, or cremation costs (if the injured person dies) and
- $4,500 for the rehabilitation.
Kansas PIP coverage also covers “Survivor Benefits” for members of the family whose loved one died due to the crash. They include:
- Disability/revenue loss of up to $900/month (up to one year) and
- In-home care for up to one year for up to $25/day.
In Kansas, these PIP benefits are available (directly or indirectly) to those covered under the program, including:
- The Holder of Policy
- The family (in-household) members of the policyholder who are injured when driving the covered vehicle (or while traveling as a passenger) and
- Any injured non-family/non-household people in the car while riding (unless they have their car insurance policy, in which case the passenger will claim their PIP coverage).
The key to understanding the non-fault/PIP claim is that you can’t get compensation for your “pain and suffering” and any non-monetary damages arising from the crash. You are limited to coverage for medical costs and other economic damages unless the injuries exceed certain thresholds set by state law.
Finally, while Kansas’s no-fault auto insurance policy extends to injuries caused by car collisions, it does not affect automobile lawsuits for damages. You can keep the driver responsible for damage to (or complete loss of) the vehicle after a car accident in Kansas without limitation.
Why Car Insurance Rates Vary In Kansas?
There is no absolutely any point of doubt in the fact that in Kansas, car insurance rates do vary. But, there are several factors behind this. Regardless of the state that you are living in, all the high-risk drivers are required to pay high car insurance rates in Kansas. According to a report, it has been concluded that all the drivers of high-risk areas, drivers who carry a poor driving record, inexperienced drivers, and the drivers who are financially not responsible are liable to pay high insurance premiums to the car insurance companies in Kansas.
However, if the driver holds a good history of driving, has a good amount of driving experience, and is not involved in a car accident, then insurance companies generally charge lower premiums from such drivers. It is vital here to mention that Kansas auto insurance companies tend to consider the vehicle’s model and manufacturing while calculating the premium rates.
Let’s learn this concept with the help of an instance, suppose if you have purchased a new two-seater vehicle and you reside in the middle of a posh area of the city, you will probably pay higher insurance rates. On the other hand, if a rural area driver owns a seven-year-old sedan car and drives it back and forth each day for work, he will pay lower insurance rates.
What Discounts Are Available For Auto Insurance In KS?
The average auto insurance premium in Kansas generally lies on the higher side as compared to other states and cities. Therefore, people in Kansas always look forward to the cheapest car insurance in Kansas, or they try to find the best possible deals. There are tips that can assist you in lowering the rates of the car insurance premium, but you must comfort in the fact that there are certain common discounts that you can avail of. But before moving on to them, let’s see some tips to lower your insurance premium:
- Make sure that you are a good and safe driver
- Always ensure more than one car
- If possible, pay two times a year
- If possible, have safety devices and anti-theft features in your vehicle
- Make sure that you have a good creditworthiness
Now let’s see some discounts that you take advantage of from the car insurance companies in Kansas.
- Multiple Policies:
To avail of this, you need to buy multiple insurance policies from one company. For instance, if you own an auto insurance policy from XYZ Company, and then you again buy the renters policy from this company, then you can get a minimum discount of 5 to 15 percent according to the guidelines of the company and state. But, it does not imply that you should purchase all insurance policies from a single company, make sure that you go through the rates vividly so that you can save more.
- Multiple Cars:
According to the experts, it is always beneficial for the car owners to insure all the vehicles in the same policy so as to avail multi-car discount for each car. Ask car insurance companies in Kansas if they have this discount facility because insuring each vehicle in a separate insurance policy will cost you more.
- Education and Profession:
When it comes to Kansas car insurance companies, you can avail of two kinds of discounts based on education. The first is given on the basis of the degree that you have earned and the second is for the college that you are graduated from; however, you need to confirm these discount facilities from your company. There are a few advanced level professions that can get you a 10 to 15 percent discount, though it needs to be verified by your employer.
- Good Driver:
It is one of the popular discounts that most people wish to get in Kansas. If you do not hold any track records of accidents or law violations during the last 3 to 5 years, then you are treated as a good driver by most companies in Kansas.
- Standard Risk:
Depending on the insurance companies’ rules and regulations, they like to manage their risks in several manners. There are some standard risks for car insurance companies in Kansas, which includes the following:
- No accidents in a specific period
- No tickets within a particular period of time
- No high-performance vehicles
- No drivers allowed under 25 years of age and above 65 years
- Anti-theft/ Anti-Lock Brakes or Airbags:
Several Kansas car insurance companies provide a discount on the insurance premium if the owner has installed some safety features and devices in the vehicle, such as an anti-theft feature, an alarm, anti-lock brakes, or steering wheel locking, etc.
What Factors Impact The Cost Of Auto Insurance In KS?
Car insurance companies in Kansas consider several factors other than state guidelines for calculating the cost of auto insurance; these are known as rating factors of an individual. In simple words, the less risky the rating factors, the cheaper will be your car insurance policy. These factors include the following:
It is one of the very pivotal factors that Kansas car insurance companies consider. Particularly for young and inexperienced drivers, the insurance premiums tend to be on the expensive side as compared to the premium paid by the drivers of 50 years and more. The gap is relatively huge because Kansas auto insurance companies generally have a notion that young drivers are risker, due to which they potentially become expensive clients to these companies.
Gender impacts the rate of cheap auto insurance Kansas. Especially for young drivers, insurance companies charge the higher cost of the premium from male drivers as compared to female ones. This is because of the fact that young female drivers generally have safe driving habits.
- Driving Records:
It is one of the simplest factors which decides the cost of the cheapest car insurance in Kansas. An insurance company reviews driver’s past records in order to accurately predict their future performance. If the driver has a history of law violations and tickets, then it increases the cost of existing and future car insurance premiums.
- Annual Mileage:
Annual mileage given by the vehicle is also taken into consideration when it comes to calculating the cost of the premium. There’s a decent difference in insurance premiums between the drivers who drive less and the ones who drive more often.
Kansas auto insurance companies consider the profession of the driver while determining the cost of premiums. Drivers who are accountants, engineers, dentists, military officers, and teachers by profession are generally charged lower premiums as compared to daycare employees, bank tellers, stock clerks, retail workers, etc.
- Education Background:
There are many companies that provide cheap auto insurance Kansas as they consider the educational background of the drivers. If you possess a college degree, then you can get some yearly discount options as compared to those who haven’t finished their schooling and education.
- Bundling Of Multi Cars:
If you have insured multiple cars within the same policy, then you might need to pay less cost of an insurance premium as compared to those who have separate policies for each vehicle.
- Bundling Of Auto and Home Policies:
Depending on the rules and guidelines of the Kansas car insurance companies, bundling of auto insurance policies and home policies can also impact the rate of premium. You are required to discuss with your company this rating factor before you purchase the policy.
- Features of the Car:
Certainly, if the driver has installed safety features such as alarm, anti-theft, anti-lock brakes, and airbags, they are required to pay less cost as compared to the ones who have no safety features in the car.
What Are The Different Types Of Thornton CO Insurance Coverage?
Depending on your needs, you can purchase different insurance covers as they are meant to cover damages incurred to your vehicle and injuries caused to the drivers. Before you finalize any of your Kansas auto insurance policy, it is significant for you to have knowledge about different insurance covers.
- Liability Coverage:
It is required in almost every state; it helps you in protecting your assets if you are found responsible for the injury or death of another person due to a car accident. It can protect in you two methods:
Bodily Injury Liability- It will pay for another person’s medical invoices if you are responsible for their injuries in an accident
Property Damage Liability- Due to the accident, if the property or vehicle of another person faces any damages due to your mistake, then this cover will pay for it.
It pays for the damages for your vehicle in case if you collide with another vehicle or objects such as a tree, fencing, etc.
It pays for the damages for your vehicle when it is not caused by any kind of collision, such as theft.
- Uninsured and Underinsured Motorist Coverage:
It helps in paying for the damages and medical bills when the accident is caused by another person who has no or adequate insurance coverage.
- Medical Payment Coverage:
It helps in paying for the covered medical expenditure for anyone who is injured in the vehicle, irrespective of anyone’s fault.
- Personal Injury Protection:
It is also known as PIP; it pays medical bills and sometimes for loss of income and other damages, irrespective of anyone’s fault in the accident.
- Gap Insurance:
It helps in paying the amount owed on a car loan in case of theft and total loss of the car.
- Towing & Labor Insurance:
If you want to tow or repair your vehicle, then you can use this cover to reimburse the cost.
- Rental Reimbursement:
It pays for the rental car reimbursement or extended transportation if your car meets with an accident.
- Classic Car:
It grants coverage for the particular needs of vintage and classic cars.
How Car Insurance Rates Are Calculated In Kansas?
Comparing the cheapest car insurance in Kansas can indeed be a challenging task as there is no unique formula to calculate the quote of car insurance. Numerous factors are considered; some of them are listed here:
- Driving Record
- Annual Mileage
- Marital Status
- Credit History
- Car’s make and model
- Amount of insurance coverage
It is vital here to manage that Kansas auto insurance companies divide the risk between all the policyholders so that when they have to pay a claim, they have sufficient money with them. So, generally, companies tend to increase the prices when they see high risk.
Medical Coverage (MedPay) Of Auto Insurance in Kansas
You can include medical coverage to the cheap auto insurance Kansas as it helps in paying for the medical expenses and/or funeral expenses of the covered passengers and drives in case of an accident, irrespective of anyone’s fault. Up to $25000 can be paid if you have this in any cheapest car insurance in Kansas. It does the following:
- Covers medical expenses of driver and passengers
- Pay for expenditures when the health insurance limits exceed
- While walking or biking, if the insured driver gets hurt, it provides protection
In case if you do not have health insurance for yourself and passengers, make sure that you have a minimum of $5,000 as medical coverage to your car insurance policy. But if you have one, then also it is suggested to have medical coverage as protection.
Optional Coverage of Auto Insurance In Kansas
It is always beneficial to include some optional coverage in the cheap auto insurance Kansas as it keeps you protected in case of an accident. Following are the different covers that you can add to your car insurance policy:
- Loss of Use
- Gap Coverage
- Accident Forgiveness
- Custom Equipment
- Roadside Assistance
- Medical Benefits
- Rental Car
- Travel Expenses
- New Car Replacement
Kansas Car Insurance Law Explained
Kansas is a state wherein a no-fault insurance policy works. According to this, PIP, i.e., personal injury protection cover of each driver, will pay for the medical expenses, loss of wages, disability, burial, funeral expenses, rehab expenses, and other economic losses, irrespective of anyone’s fault in the accident.
However, you can still file a case against the driver who is at fault only when you have exceeded your PIP coverage and have incurred a major injury such as:
- Permanent disfigurement
- Fracture in weight-bearing bone
- Permanent loss of body function
- Displaced, compressed, or compound fracture of any bone
It is significant here to mention that no-fault rules apply to only personal injuries and that too after an accident. If the property is damaged in the accident, then you can claim it under collision coverage, or you can file a claim for repair.
Some Closing Thoughts:
Well, that is all about the cheap auto insurance Kansas. All the information that is mentioned above is useful for all the drivers and passengers who are looking to get themselves insured for a car accident. Make sure that you purchase a full-fledged insurance policy so that you do not have to face trouble later.