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Minimum State Insurance Requirements » Kansas

25 / 50 / 10

Personal injury insurance for the driver: $25,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $10,000



Kansas Car Insurance Information

All drivers in Kansas are required to carry insurance coverage when operating a motor vehicle. The following Kansas car insurance information details what is mandated by law, and what vehicle owners should look for when shopping for auto insurance.

Kansas Car Insurance Information

Centrally located in the continental United States, Kansas is a mix of urban sprawl and wide open prairie. Weather in this part of the country can be quite unpredictable, with spring storms and tornadoes complemented by humid summers and cold, dry periods in winter. Drivers have to be ready for any and all types of weather, which can adversely affect road conditions in major cities as well as on the highways stretching across the Great Plains. Kansas has some of the toughest insurance requirements in the country, and the state enforces these regulations heavily.

Car Insurance Minimum Requirements

All operators of a motor vehicle in Kansas are required to carry a liability insurance policy that meets or exceeds the state minimum of 25/50/10. These figures represent the amount of insurance in thousands of dollars to cover the cost of bodily injury to an innocent victim, all injuries suffered by non-fault parties in a single accident, and coverage for vehicle or property damage sustained by those not at fault. Kansas also requires personal injury protection and uninsured motorist protection. When applying online or through a licensed agency, insurance shoppers will automatically receive quotes for the above minimum insurance amount plus the required PIP and UM coverage. The liability insurance minimums in Kansas are slightly higher than what many other states require.

Car Insurance Companies

All of the nationally known auto insurance providers conduct business in Kansas and have agencies located throughout the state. In addition, many smaller, regional and locally owned insurance companies can be found in the western Kansas City area, Topeka and Wichita. When shopping for insurance, customers are advised to consider a locally operated company. Many of these smaller providers offer excellent rates for Kansas residents, especially those who are considered safe drivers. It is also wise to check out what other insurance coverage these companies offer. Combining auto insurance with homeowners coverage, health and life insurance often saves customers a great deal of money.

Free Car Insurance Quotes For Kansas

Shopping online for auto insurance is one of the easiest ways to get the lowest possible price on liability, collision and comprehensive insurance. Many of the matching sites offer comparison pricing, allowing customers to see how much they would be paying for a certain amount of liability protection as well as what deductibles are available for collision insurance coverage. Those looking for affordable car insurance can receive a free online quote now.

Car Insurance Rates

Kansas residents enjoy some of the lowest auto insurance prices in the nation, despite the state’s laws requiring PIP and uninsured motorist protection. On average, Kansas vehicle owners pay about $940 annually to insure a single car, which ranks 49th out of 50 states. This figure can be lowered further if several cars are insured together or if multiple drivers are added to the same policy. When asking an agent about Kansas car insurance information, always remember to check on discounts for those who carpool, drive less than 1,000 miles per month, or have certain safety features installed on the vehicle.