Kansas Auto Insurance Guide

Kansas law mandates more required auto insurance coverage than most states, with three types of coverage necessary to comply with state laws. On the other hand, Kansas drivers enjoy one of the lowest average annual premiums in the nation. The average combined premium of a Kansas auto insurance policy is $750.30, which is the 45th highest rate in the United States. In this auto insurance guide, we'll tell you more about Kansas' auto insurance laws and offer tips on buying coverage in the state.

Kansas Insurance Regulations

When you buy auto insurance in Kansas, your policy must include three coverages to comply with the law: liability (both property damage and bodily injury), personal injury protection (PIP), and uninsured/underinsured motorist coverage. Kansas is a no-fault state, meaning the injured party's insurance company must pay for the policyholder's injuries regardless of fault in the accident. This system is designed to minimize accident-related litigation.

Mandatory Minimum Coverage in Kansas

A summary of the required auto insurance coverage in Kansas follows.

• Liability coverage:
  • $25,000 per person of bodily injury coverage
  • $50,000 per accident of bodily injury coverage
  • $10,000 per accident of property damage
• Personal injury protection (PIP), or medical payments coverage
  • $4,500 per person for medical expenses
  • $900 per month for one year for disability or loss of income
  • $25 per day for in-home medical services
  • $2,000 for burial and funeral or cremation expenses
  • $4,500 for rehabilitation expenses
• Uninsured/underinsured driver coverage
  • $25,000 per person
  • $50,000 per accident

Motorcycle Coverage Requirements

Kansas' auto insurance laws and minimum coverage requirements also extend to motorcycles. Motorcycle insurance premiums tend to be cheaper than those for auto policies. Not all Kansas auto insurance companies offer motorcycle insurance, however.

Kansas Auto Insurance Advice

As you search for auto insurance in Kansas, remember that the Kansas Insurance Department can offer volumes of helpful information to current and future policyholders. Also remember to ask your insurer about discounts. Most Kansas auto insurance companies offer substantial discounts for drivers who complete approved accident prevention courses, for example.