You need $25,000 in bodily injury coverage per person ($50,000 per accident). Bodily injury liability insurance pays for other people’s injuries after a car accident that you cause, and it can also cover your legal fees if you are sued after a crash.
In addition to bodily injury liability insurance, drivers in Kansas need to purchase $25,000 in property damage liability insurance. Property damage liability coverage pays for damage to others’ property after an accident caused by the policyholder. Together, these liability insurance requirements are often written as 25/50/25.
Kansas also requires drivers to buy personal injury protection (PIP) and $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage. For more information, check out WalletHub’s breakdown of how much car insurance you need in Kansas.
Kansas is a no-fault state, which means that drivers get coverage for car accident injuries from their own insurer without the need to determine who caused the accident. Policies in no-fault states must include personal injury protection (PIP).
On average, state minimum coverage costs $1,102 per year in Kansas, but there are many factors that can affect how much you pay for a policy. Any coverage above and beyond what is required by Kansas law is optional, but it’s usually worth the money to get some additional protection. The biggest reason is that state minimum coverage doesn’t protect your personal vehicle. For insurance to pay for damage to your car, you’ll need full coverage.
In Kansas, full coverage refers to a policy that includes collision and comprehensive, plus higher coverage limits than what is required by state law. Full coverage car insurance costs about $3,840 per year in Kansas. There may be cases when you don’t need full coverage insurance, but Kansas drivers should buy as much coverage as they can afford as a general rule.
Most policies offer coverage for six months to one year at a time and can be paid in a variety of ways, including monthly payments. The best car insurance companies in Kansas balance affordability with quality coverage and strong customer service. You can easily get a quote from top companies like Allstate, Geico, Travelers, Shelter, Auto-Owners Insurance, and Farm Bureau Mutual online or over the phone, or use WalletHub’s comparison tools to find the best car insurance policy for your needs.
Car insurance in Kansas is $47 per month for minimum coverage and $176 per month for full coverage, on average. The cheapest insurance companies in Kansas are Geico, Nationwide and State Farm, and getting quotes from several companies can help you find the best deal.
Average Cost of Car Insurance in Kansas by Category
The average cost of car insurance in Kansas is 22% lower than the national average auto insurance premium, and Kansas ranks 22 out of 50 for the most affordable car insurance rates in the U.S.. There are several factors that affect how much you’ll pay for car insurance in Kansas, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from.
Finally, it’s worth noting that car insurance premiums in Kansas are average, compared to the cost of coverage in neighboring states like Missouri and Nebraska. You can find more details in the table below.
Cost of Car Insurance in Kansas vs. Neighboring States
Yes, uninsured motorist coverage is required in Kansas. Drivers in Kansas are required to carry $25,000 in uninsured motorist bodily injury (UMBI) coverage per person ($50,000 per accident), as well as $25,000 in underinsured motorist bodily injury coverage per person ($50,000 per accident). Kansas does not require drivers to have… read full answeruninsured motorist property damage (UMPD) insurance, however.
Uninsured motorist insurance covers the policyholder’s expenses after an accident if the other driver doesn’t have insurance or doesn’t have enough coverage to pay for the damage. UMBI pays for the policyholder’s medial bills, while UMPD pays to repair or replace their vehicle. Instead of UMPD, drivers in Kansas can use collision insurance, which covers repairs after any car accident.
How Uninsured Motorist Coverage Works in Kansas
Normally, a Kansas driver can collect damages from the at-fault driver’s liability insurance after an accident. However, if the other driver is uninsured, getting compensation can be time-consuming or nearly impossible. That’s where uninsured motorist coverage can help. Instead of having to file a lawsuit, you can file a claim with your own insurance company in order to pay your bills and get the repairs or treatment you need without waiting for the courts.
Even though car insurance is required in Kansas, an average of 7% of drivers in the state don’t have car insurance. Car accidents in Kansas can be extremely expensive, too. For example, fatal accidents in Kansas have a total cost of $571 million each year. As a result, uninsured motorist insurance is a smart investment for Kansas drivers.
Key Facts About Uninsured Motorist Coverage in Kansas:
Uninsured Motorist Bodily Injury Coverage: $25,000 per person and $50,000 per accident
Underinsured Motorist Bodily Injury Coverage: $25,000 per person and $50,000 per accident
Uninsured Drivers on the Road: 7%
Total Annual Cost of Fatal Accidents: $571 million
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