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Kansas Auto Insurance
Kansas has what is call "no-fault auto insurance." This means that every driver must purchase Personal Injury Protection (PIP) insurance. With Kansas auto insurance, a driver has to pay for their own hospital expenses and property damages in the event of an accident even if they were not at fault. Additionally, there are limits to when a person can sue another driver for causing them damages.
Kansas Auto Insurance Coverage Mimimums
The personal injury protection requirements for Kansas auto insurance are as follows:
- $4,500 in medical expenses per person
- $900 per month for loss of income (for a maximum of one year)
- $25 per day for in-home assistance
- $2000 for funeral expenses
- $4,500 in rehabilitation expenses and loss of income "survivor benefits"
In addition to the PIP coverage, Kansas liability insurance has minimums of 25/50/10, meaning $25,000 per person, $50,000 for all, and $10,000 for property damages.
But this is not all. Kansas also requires uninsured motorist coverage of 25/50, or $25,000 per person and $50,000 for all people. The uninsured motorist insurance helps cover costs in the case where you are hit by a driver without insurance or without adequate coverage.
Kansas Auto Insurance Rates
Even with all the coverage requirements, Kansas auto insurance still rank 46th in the nation overall, making it one of the cheapest states to purchase car insurance. Per annual averages, Kansas drivers spend $298.57 for liability, $262.37 for collision, and $216.45 for comprehensive coverage. Annual insurance expenses in Kansas have risen in recent years, but they still remain amongst the lowest in the country.
As a Kansas resident, you may wonder how the rates are set for your auto insurance. Kansas auto insurance rates are calculated through a formula created by the insurance companies and every insurance provider figures insurance premiums differently.
First they figure out how much it costs to insure the entire state, figuring in things like lawsuit settlements and previous payouts. Then they take a look at the individual drivers driving record, car, location, age, and marital status. Finally, they figure out the portion of the cost to do business in the state that driver should incur.
Kansas Auto Insurance Companies
Kansas auto insurance rates are not the same with every company, so it may pay to shop around for the best deal.
Additional Insurance Information and Resources
Kansas Department of Insurance
420 SW 9th Street
Topeka, Kansas 66612-1678
Phone: (785) 296-3071
For other Kansas Insurance Resources, See:
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