All of the major types of car insurance are available in Kansas. The types of car insurance required in Kansas include liability insurance, personal injury protection and uninsured/underinsured motorist coverage. Most other coverage types are optional.
Covers the cost of repairs to mechanical parts of your car, like the engine and transmission
Other types of auto-related insurance you can get in Kansas include rental reimbursement coverage, classic car insurance, non-owner insurance, and umbrella insurance. These coverages apply to specific situations or needs and are generally available across the country.
Full coverage insurance in Kansas is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $25,000 in property damage coverage. Full coverage in Kansas also includes optional collision and comprehensive insurance… read full answer. As a result, full coverage insurance costs an average of $2,109 per year in Kansas, while a state minimum policy costs $565 per year.
If you can’t afford to repair or replace your car after an accident, collision and comprehensive are important coverage types—even if they’re not required. Collision insurance covers repair or replacement costs if you are in an accident, drive into an object, or flip your car. Comprehensive insurance covers repair or replacement costs if your car is damaged by falling objects, natural disasters, floods, fires, theft, vandalism, or animals. Full coverage insurance costs an average of $2,109 per year in Kansas, while a state minimum policy costs $565 per year. Lenders usually require collision and comprehensive in addition to the insurance you must have under Kansas law when you finance a car.
Most people should also choose higher liability coverage limits than what is required by Kansas law. If you cause an accident and your liability limits don’t cover the whole bill, you are still personally responsible for the rest. In the end, “full coverage” means having the right amount of coverage to protect your assets in a worst-case scenario.
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.
Here’s How Much Car Insurance Drivers Need in Kansas:
Minimum Coverage Limit
Bodily Injury Liability Coverage (per person)
Bodily Injury Liability Coverage (per accident)
Property Damage Liability
$25,000 per person ($50,000 per accident)
Personal Injury Protection
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Kansas law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. Lenders may also require gap insurance, which covers the difference between what you owe on your loan or lease and what the vehicle was worth if it gets stolen or totaled.
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