With lots of Midwestern open space, Kansas drivers spend plenty of time on the open road. According to the Kansas Department of Transportation, there were more than 60,000 car accidents in 2010, and nearly one in five of those accidents were caused in part by distracted drivers. Kansas is one of 12 "no-fault" insurance states. This means that no matter who is at fault in a car accident that results in minor injuries, the separate insurance companies pay the medical expenses of the people they insure.
Here are the required minimums of coverage for Kansas liability auto insurance:
- $10,000 per accident for property damage.
- $25,000 per person for bodily injury.
- $50,000 per accident for bodily injury.
- $4,500 per person for medical expenses.
- $25,000 per person for uninsured/underinsured motorist per person.
- $50,000 per person for uninsured/underinsured motorist per accident.
The two other primary types of coverage are collision and comprehensive insurance. Collision pays for damages to your car in an accident. Comprehensive coverage pays for car repairs from high winds, hail, floods, theft, vandalism, and other random events.
Sample of Annual Kansas Auto Insurance Rates
Wichita Auto Insurance
Wichita is Kansas' largest city with a population of nearly 390,000 people. Wichita is a hub for airplane manufacturing, from which it earned the nickname the "Air Capital of the World." The college town is home to Wichita State University. Former Detroit Lions running back Barry Sanders was born here.
Interstate 35 connects with Kansas City to the northwest, and Oklahoma City to the south. Interstate 135 runs north toward Salina. Interstate 235 loops around Wichita.
Kansas City Auto Insurance
Not to be confused with the city of the same name across the Missouri border, Kansas City is the third-largest city in Kansas, with a population of more than 151,000 people. But most of the major sports teams are located on the Missouri side of town. It is home to the University of Kansas Medical Center.
From Kansas City, Interstate 35 runs north toward Des Moines, and southwest toward Overland Park and Wichita. Interstate 435 forms a beltway around the Kansas City. Interstate 70 runs east into St. Louis, and west toward Denver.
Prairie Band Potawatomi Indian Reservation Auto Insurance
Prairie Band Potawatomi Indian Reservation is situated in northwestern Kansas, north of Topeka and west of Kansas City. The reservation was created for Native Americans who were forced to move from parts of Wisconsin, Illinois, and Indiana.
From the reservation, U.S. Route 75 runs north in the direction of Omaha, and south past Topeka on the way to Oklahoma. Just outside of town, Interstate 70 travels west toward Denver, and east into Kansas City. 158th Road is a main street that cuts through the reservation.
Overland Park Auto Insurance
Overland Park is a suburb of Kansas City. It is the second-largest city in Kansas with a population of more than 186,000 people. Sprint Corporation is headquartered in Overland Park.
From Overland Park, Interstate 35 runs north into Kansas City, and southwest toward Wichita. Interstate 435 cuts through Overland Park, forming a loop around the Kansas City metropolitan area. U.S. Route 69 runs north toward Des Moines, and south into Oklahoma.
Topeka Auto Insurance
Topeka is the Kansas state capital. It is fifth-largest city in Kansas with a population of more than 127,000 people. Topeka's name stands for "a good place to dig potatoes."
Interstate 70 runs east into Kansas City, and west toward Denver. Interstate 335 runs southwest toward Wichita. U.S. Route 75 runs north through Omaha, and south toward Tulsa.
Olathe Auto Insurance
Olathe is a Kansas City suburb. It is the fourth-largest city in Kansas with a population of more than 134,000 people. NFL running back Darren Sproles played high school football in Olathe.
From Olathe, Interstate 35 runs north through Overland Park and into Kansas City, and southwest toward Wichita. U.S. Route 169 runs north toward Des Moines, and south toward Tulsa. U.S. Route 56 runs southwest into Oklahoma.
Lenexa Auto Insurance
Lenexa is a suburb of Kansas City. It is the ninth-largest city in Kansas with a population of more than 52,000 people. Lenexa hosts a spinach festival each fall to celebrate the town's history as the "Spinach Capital of the World."
From Lenexa, Interstate 35 connects with Overland Park and Kansas City in the northeast, and Wichita in the southwest. Interstate 435 passes through Lenexa as it forms a beltway around the Kansas City metropolitan area. U.S. Route 69 cuts through Lenexa, running north toward Kansas City, and south into Oklahoma.
Lawrence Auto Insurance
Lawrence has a population of nearly 94,000 people, making this Kansas town the sixth-largest city in the state. The college town is home to the University of Kansas. It is known as the "River City."
From Lawrence, Interstate 70 connects with Kansas City to the east, and Denver to the west. U.S. Route 40 traces roughly the same route between Kansas City and Denver. U.S. Route 59 runs north past Omaha, and south past Tulsa.
Salina Auto Insurance
Salina plays a big role in the wheat industry. The town has a population of nearly 48,000 people. Salina's nickname is the "City of Swans."
From Salina, Interstate 70 runs west toward Denver, and east through Topeka on the way into Kansas City. Interstate 135 connects with Wichita to the south. U.S. Route 81 runs north toward Sioux Falls, S.D.
Leavenworth Auto Insurance
Leavenworth lies on the outskirts of Kansas City. It is home to the Leavenworth prison. It has a population of nearly 36,000 people.
U.S. Route 73 runs north into Nebraska, and south toward Olathe. Kansas State Route 5 connects with Kansas City in the south. Kansas State Route 92 runs east and west out of town.
Ways to Reduce Kansas Auto Insurance Costs
Here are some suggestions for ways to keep your insurance costs as low as possible:
1. Shop around and compare prices from at least five companies. Some companies provide websites with everything you need to get quotes. Others require you to speak directly to an agent. Compare several quotes of each type.
2. Maintain the best possible driving record you can. Drivers that have clean records with no violations in three years receive the best rates.
3. Keep your payments up to date. Insurance companies can cancel your coverage even if payment is only one day late. They may charge a fee to reinstate it or they can drop you altogether if they choose.
4. If adding a teen to your policy in Kansas, be aware that your rates will increase. However, insurance companies in the state offer a discount if the teen:
- Maintains a B average or higher in school
- Completes a state-approved safety driving course
5. If you have paid off your car and it is worth less than $3,000, you may not want to carry any collision or comprehensive insurance. Just remember you have to pay out of pocket for any damage, whether or not it is from an accident.
6. If your policy is over a year old, review it for possible changes. If you have married or one of your children has moved out of the house, most companies can reduce your rates.
7. Most insurance companies also provide discounts if you have other insurance with them like homeowners or renters. Bundling more than one car with the same company can also result in reductions.
Moving to Kansas: Important Information
If you are planning to relocate to The Sunflower State, some of the first actions you must take are to update your insurance, get your vehicle registered, and get a new driver's license. Take care of the insurance first, since you need proof of insurance to register your car.
To register your car and get new license plates, the first step is to have your vehicle inspected at a Kansas Highway Patrol station. You take that paperwork with your proof of insurance and current title to a county motor vehicle office.
To get a Kansas driver's license, visit a Kansas Department of Revenue licensing office. There is one in 104 of the 105 counties in the state. You will need to take a vision test and be sure to bring your proof of identity and proof of residence.
Understanding Driving Laws in Kansas
Driving laws in Kansas are similar to those in most other states. One of the most important involves drinking alcoholic beverages. The maximum blood alcohol level for adults is .08 percent, which is typical for most states. However, that limit drops to .02 percent for anyone under the age of 21. Even if the underage drinker is not driving, he or she risks loss of license for a minimum of 30 days.
Texting while driving is also illegal as of January 2011. Drivers that are licensed and not driving on a learner’s permit or intermediate license can legally talk on a cell phone, but are encouraged to use a hands-free device or pull over.
Since 2005, the number of cell phone related accidents has increased each year. According to the Kansas Department of Transportation, in 2010, there were 518 accidents related to cell phone use (260 people were injured in those accidents and 6 people died).
Frequently Asked Questions About Kansas Auto Insurance
Here are some of the questions most people ask when they are looking for car insurance:
1. Since Kansas is a no-fault state, does an accident have as much of an affect on your driving record?
Yes, the insurance companies still look closely at who was at fault when they decide how to determine your insurance rates.
2. Is it true that speeding less than 10 mph over the posted limit does not result in a ticket?
All speeding is illegal and you can get a ticket, but violations of 1-10 mph over the limit in areas posted between 55 and 75 mph do not count as moving violations on a driving record.
3. Can a defensive driving course lower insurance premiums?
Yes, especially for teens and seniors. Different companies have different age categories eligible for discounts.
How to Get Great Rates on Kansas Auto Insurance
Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.
insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.
Kansas Auto Insurance Resources
Need to find more than just Kansas free car insurance quotes? We’ve listed some resources beyond KS car insurance quotes that should help.
Kansas Department of Insurance
Information to help Kansas residents become informed consumers of insurance
Kansas Division of Motor Vehicles
An informative site with resources and electronic services for Kansas drivers
Kansas Cell Phone Driving Laws
Can you talk and drive in Kansas?
insuranceQuotes.com Auto Rate Methodology
Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.