Kansas Car Insurance – Auto Insurance Quotes in KS
Kansas is possibly most famous for the ever-changing weather and severe storms that bring scientist from around the world to study thunderstorms, hail, tornados and more. The pattern of severe and suddenly changing weather can make driving in the state hazardous at times, and the long rolling grasslands are known for mesmerizing and tiring the motorists who drive them. With this in mind, all Kansas drivers must have at least the minimum car insurance coverage required by the state to protect themselves in the event of an auto accident.
Kansas Car Insurance Requirements
Kansas state law follows a no-fault auto insurance system, meaning that each driver’s insurance company must pay for injury claims for them and their passengers regardless of fault, up to a specified limit. Drivers lose some of their rights to sue under a no-fault system and the details of a no-fault system vary from state to state. In some cases of serious injuries or criminal neglect, lawsuits may still be possible.
However, property damage is handled differently under a tort system, requiring a court case and determination of fault to assign responsibility for damages. MyCarInsuranceRates.com can help you make sure you have the insurance you need to meet both the state mandatory minimum requirements and your own coverage needs.
Understanding Kansas Car Insurance Liabilities & Coverage
In Kansas, the law requires drivers to maintain minimum bodily injury liability limits of $25,000 per injured person and $50,000 total per accident, as well as property damage liability at a minimum limit of $10,000 coverage. Uninsured and/or underinsured motorist coverage is also required with $25,000 per person and $50,000 per accident. This basic package is referred to as 25/50/10 coverage with 25/50 UM limits. Finally, Kansas state law requires minimum personal injury protection (PIP) coverage of $4,500, which helps pay for “reasonable and necessary” medical expenses for motorists and their passengers.
Kansas Insurance Coverage
- Bodily Injury Liability: $25,000/$50,000 Limit
- Property Damage Liability: $10,000 Limit
- Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
- Personal Injury Protection (PIP): $4,500 Medical/$900 Work Loss Limit
MyCarInsuranceRates.com can assist Kansas drivers in meeting and exceeding these auto insurance minimums by allowing the best insurance companies to compete for their business and provide free, instant car insurance quotes online.
Kansas Car Insurance Laws & Regulations
Drivers stopped by law enforcement officers in Kansas may be required to demonstrate proof of insurance or financial security. Failing to show one of these, on the first offense, will result in a traffic citation for a class B misdemeanor, which carries a fine ranging from $300 and $1,000 dollars. Drivers who fail to make payment on their fines are subject to a six-month incarceration in the county jail. On the second offense, drivers without proof of financial responsibility (within three years of the last offense) are guilty of a class A misdemeanor and must pay a fine ranging from $800 and $2,500. In addition to the fine, drivers face loss of their vehicle registration and suspension of their driver’s license.
Average Kansas Car Insurance Rates
In 2010 drivers in Kansas paid an average auto insurance premium of $1,506 which is very close to the national average of $1,538. Because some Kansans think the state sets the rates, they never shop for better car insurance rates, but in truth, each car insurance company sets their rates differently and each driver’s rate will differ based on multiple factors. Shopping around is the only way for a driver to see if they are saving money with their policy. MyCarInsuranceRates.com helps Kansas drivers find discounted car insurance quotes, resulting in lower than average rates on car insurance.
Kansas Car Insurance Quotes
2010 saw car insurance rates in Kansas decrease substantially. If you haven’t checked your rate or seen a price decrease in the past few years, it is important to get a quote today. With the average auto insurance premium in Kansas 19% lower through 2010 from 2009 levels, it’s more important than ever to see how much you could save. You might be able to save hundreds of dollars on your next car insurance policy.
Enter your zip code to get a free online rate quote from the best car insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA, AARP, and Esurance. Start a car insurance quote now and get cheap Kansas car insurance.
