Kansas Car Insurance

Last Updated on October 1, 2020 by Andrew Lee

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Kansas state laws obligate all car owners to have their vehicles insured. Each state has varying requirements. However, living in this particular part of the country means purchasing a policy that provides minimum coverage for both injuries to other people as well as property damage that you have caused during a road accident. With this said, you should have a basic understanding of how Kansas car insurance works, not only to avoid penalties and fines but also to protect yourself.

The average cost of car insurance in Kansas

The National Association of Insurance Commissioners (NAIC) claims that the average person pays roughly $668.93 for car insurance in Kansas each year.

They broke this figure down to:

$342.20 is the average annual liability insurance expenditure.

$247.31 is the average annual collision insurance expenditure.

$238.75 is the average annual comprehensive insurance expenditure.

Young Drivers in Kansas

In Kansas, like everywhere else in the country, young drivers have the highest auto insurance related expenditures. In our case study, we found that a young driver can expect to pay an average of:

  • $977.2 for state minimum coverage
  • $2037.2 for basic full coverage
  • $2893.6 for premium full coverage

Although more experienced motorists make up the driving population, this doesn’t mean that young drivers will no longer cause road related accidents. Historically, these individuals lacking in driving experience have had the highest road collision rates. This is why their premiums remain the highest for all types of drivers.

Female Drivers in Kansas

A female driver can expect to pay the following yearly premium averages:

  • $450 for state minimum coverage
  • $983.6 for basic full coverage
  • $1460.8 for premium full coverage

Women can choose to upgrade to a premium full coverage and still enjoy an affordable monthly average of around $121.73. But residents of Topeka, KS, with an estimated population of 127,265 (2015, latest data), can have this type of insurance and pay as low as $95 a month.

Senior Drivers in Kansas

Senior drivers who have a spotless record and a good history can pay less towards their premiums than female drivers. Our study found that an older adult in the Central State can expect to pay an average of:

  • $432.8 for state minimum coverage
  • $890.1 for basic full coverage
  • $1299.7 for premium full coverage

Our methodology suggests that the more experienced a motorist is, the cheaper his/her insurance premiums are. However, it still depends on individual characteristics, driving records, and history.

Minimum car insurance requirements

Your Kansas automobile insurance program should comprise three types of coverage: liability insurance, Personal Injury Protection (PIP), as well as uninsured and underinsured coverage.

Liability insurance coverage protects you financially because it covers any damage or injury to others that you have caused after a traffic accident. Given that you have the minimum limit of $25,000 per person for bodily injury, $50,000 per accident for multiple/total bodily injury, and $10,000 for property damage, it means that you are in compliance with the state laws.

Because Kansas is one of the twelve no-fault states in the country, you also have to obtain the Personal Injury Protection (PIP) coverage. Carrying this means you will receive coverage for your own injuries, regardless of the party that caused the accident. The minimum requirements for this coverage include $4,500 for medical costs per person; $900 a month (for an entire year) for loss of income and disability; $25 for daily in-home services; $2,000 for burial, cremation, or funeral expenses; and $4,500 for rehabilitation services.

The last must-have coverage – uninsured/underinsured motorist coverage – gives you financial support for injury-related expenses to yourself in the event that the other party involved in the accident does not have or has inadequate insurance. The requirements include a $25,000 minimum per person for bodily injury and a $50,000 minimum for injuries to multiple people.

The car insurance company you choose to obtain your policy from may also offer you with other optional coverage types, including collision insurance, comprehensive insurance, towing and labor, as well as rental reimbursement.

Violations and Penalties 

Kansas laws are extremely strict even for first-time offenders.

For instance, a first violation already warrants a fine of anywhere from $300 to $1,000. You may also face county jail confinement of up to six months. Unless you file proof of insurance with the director, both your registration and license will remain suspended. To have your registration reinstated, you have to spend another $100. In the event your conviction revolves around not having liability insurance, the law requires you to provide proof of 12-month insurance coverage.

Fines for second and subsequent offenses within a three-year duration goes up to $800 to $2,500. Reinstatement costs $300.

The authorities already regard a third offense within a five-year duration from the first time of conviction as a habitual violation. The same penalties apply for subsequent violations, however, they will also revoke your driving privileges for three years.

Driving safety in Kansas

According to the Centers for Disease Control and Prevention (CDC), only 80% of motorists and front-seat passengers wear seatbelts in Kansas; lower than the 86% national average.

A 2015 National Highway Safety Administration assessment also revealed that alcohol-impaired driving resulted in 84 (24%) out of 355 driving fatalities.

The CDC further reported that this count puts the overall vehicle occupant death rate in the state at 11.0 per 100,000 residents.

Final thoughts

As you can see, you shouldn’t drive without car insurance in Kansas or have an inadequate policy. To protect yourself and others, opt for a more robust program.

Source: StatistaInsurance Information Institute