Kansas Auto Insurance Requirements
Kansas has strict auto insurance laws for both private and commercial vehicle owners. Minimum auto insurance coverage requirements in Kansas are mandated by state law and the Kansas Insurance Department. The following minimum coverage is required on every registered vehicle, except as noted below:
(Source: Kansas Department of Insurance)
Driving without the mandatory liability insurance in Kansas is a class “B” misdemeanor for the first offense, and could result in a $300 to $1,000 fine, suspension of driving privileges, and even jail time. Subsequent offenses are classed as “A” misdemeanors and subject to higher fines, reinstatement fees, and jail time.
The Kansas Automobile Insurance Plan is available to drivers who are unable to obtain required coverage through the voluntary market. More information is available on the AIPSO website.
Factors Influencing Car Insurance Premiums in Kansas
Getting a quote for cheap car insurance in Kansas requires some research and rate comparisons between different insurance companies, even though Kansas ranks below national averages for car insurance costs. Some factors that impact insurance rates in Kansas include:
• Kansas is a “no-fault” state, and require extensive PIP insurance coverage
• UM / UIM coverage is mandatory
• Vehicle repair costs are generally less expensive in Kansas than elsewhere
• Overall accident fatality rates are lower than national averages
• A much higher percentage of uninsured drivers compared to national averages
• Auto insurance fraud
• Vehicle theft rates near national averages
The average auto insurance premium for residents in Kansas is $1,461 in 2011; the national average is $1,790.
Tips for Obtaining Cheap Car Insurance in Kansas
• If you’re over 55, take a state-approved accident prevention course for a 5 – 15% policy discount
• Several insurance companies offer “pay as you drive” car insurance for low mileage drivers in Kansas
• Maintain a good driving record
• Bind multiple policies (homeowners, life, auto) with the same provider
• Maintain a good credit score
• Create a personal “emergency fund” of up to $1500 and increase deductibles accordingly
• Discuss affinity discounts with your insurance provider
• Drop comprehensive and collision insurance on older vehicles
Kansas Statistics
• Auto Theft: Kansas has a relatively high vehicle theft rate which has remained fairly static over the past 10 years, bucking national trends in decreased theft rates.
(Source: Auto Thiefs)
• Automobile Accidents: The total vehicle miles traveled in Kansas has remained fairly constant in recent years, as has the vehicle accident fatality rate. Kansas is above the national average in numbers of deaths in car crashes.
(Source: National Highway Traffic Safety Administration)
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