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12/18/2017
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Kansas Auto Insurance Requirements
by Doug Cohen

The price of car insurance in Kansas continues to grow, and with it the importance of shopping to find the cheapest car insurance without sacrificing coverage. But before you do, first know what is required and what is optional to help make a more informed decision.

What is the Mandatory Auto Insurance Law?

Kansas law requires all drivers, whether in Wichita, Overland Park, Kansas City, Topeka, Manhattan, or somewhere in between, to have a car insurance liability policy with at least the required minimum limits.

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What are those required minimums in the Sunflower State?

Kansas law requires you to carry the following car insurance coverage and limits:

Liability Coverage (mandatory):
$25,000 per person, for bodily injury,
$50,000 per accident, for bodily injury, and
$10,000 per accident, for damage to anotherís property, usually their car.

Personal Injury Protection, aka PIP or No Fault (mandatory):
$4,500 per person, for medical expenses,
$900 per month, for one year, for disability/loss of income,
$25 per day, for in-home services,
$2,000 for funeral, burial, or cremation expenses,
$4,500 for rehabilitation expenses,
Survivor benefits of $900 per month, for one year, for disability/loss of income,
In-home services up to $25 per day for one year.

Uninsured / Underinsured Motorist (mandatory):
$25,000 per person
$50,000 per accident

Comprehensive (optional):
Covers physical damage to your auto that results from non-collision damage, subject often times to a deductible.

Collision (optional):
Covers damage to your car that results from a collision with another car or object, subject to a deductible.

Proof of Insurance

Always keep current proof of Kansas auto insurance in the car with you at all times. If stopped by Kansas law enforcement you must present a valid Kansas ID card showing the car is insured. Your Kansas car insurance company will provide this card when they issue or renew your car insurance liability policy. Any time you request it, the insurance company must provide you this card for each car covered under your policy and if you purchase your insurance from InstantCarInsurance.com or from Ensurance.com you can also print your ID cards instantly online, anytime of day, for free.

The insurance ID card includes the name of the car insurance company, the insurance policy number, and the insurance policy effective and expiration dates. It also includes a description of the insured car(s) and the name(s) of the insured driver.

Kansas has mandatory financial responsibility laws that are easily satisfied through buying car insurance from a Kansas Licensed Insurance Carrier. All registered cars and trucks are required to have minimum liability coverage, although InstantCarInsurance.com recommends that you buy higher limits and additional types of coverage as you can afford.

But should coverage lapse while registration is still current, DMV may suspend the vehicle registration and charge a $250 reinstatement fee. Roadside spot-checks, direct mail verification, and insurance company data comparisons provide verification methods to ensure compliance in this State, so you don't want to press your bet when it comes to car insurance in Kansas. You must obtain insurance from a Kansas-licensed carrier.

Where can I find a licensed Kansas Auto Insurance Company?

Go to the top of this page to begin your quote and by completing one application you will be shopping 15 car insurance companies instantly.

How to Find the Best Auto Insurance Rates in Kansas?

It is very important to comparison shop for the best coverage in Kansas at the lowest rates. Let's face it, Kansas auto insurance is not cheap! But there are many online resources that provide free quotes from licensed Kansas insurance companies approved by the Kansas DMV. If you think you may be paying too much for auto insurance, Kansas residents can save time and money by comparing car insurance quotes quickly and anonymously between all the top name auto insurance carriers simply by logging on to InstantCarInsurance.com.

Just remember, the State of Kansas requires minimum car insurance limits of 25/50/10 as long as you have a valid Kansas car registration. Keep this in mind when shopping for basic coverage and evaluate it against car insurance quotes with higher coverage limits for a little more money. Cheap car insurance is not always the best car insurance.

The Kansas Insurance Department recommends the following tips for lowering your auto insurance bill:

Shopping for Personal Automobile Insurance

Gather information you'll need before you begin to shop. Be reminded that the cheapest deal isn't always the best deal. Good insurance value means finding the right price, best coverage, and quality service. Answer all questions truthfully and correctly. Check to see what discounts can save you money. Make sure the premium charge quotes you get are for the same term and coverage. For example, not all companies will offer the same options and deductibles. Decide what you need before shopping.

Tips For Lowering Your Premium

  • Shop around and compare prices.
  • Maintain a good driving record.
  • Take the highest deductible you can afford on collision and comprehensive coverage.
  • On cars with market value less than $3,000, consider carrying only liability coverage.
  • Pay your premium well in advance of due date. No grace period applies to automobile insurance.
  • Review your policy periodically and update coverage accordingly.

For parents of teen-aged drivers: If your teenagers donít own cars, name them on your policy as occasional operators of your least expensive cars. They may be named as an occasional driver if they donít drive to and from school or work. If they do own cars, cover them under your policy. This would also qualify you for a multi-car discount. It is important that you report actual driving habits to the company. Itís not uncommon to have juveniles automatically assigned to your most expensive car.

Check into discounts for a driverís education course or good academic record. If the young driver goes to school more than 100 miles awayówithout a caróanother discount may apply.

Young singles on their own: Avoid high performance or ďturbo cars.Ē A turbo engine can add more than 10 percent to your premium.

Older people: Take a defensive-driving course thatís approved by the State Board of Education or National Safety Council. You may earn a 5 to 15 percent discount off your premium. Call our Consumer Assistance Toll-free Hot Line.

Ask About Discounts

Ask your agent or company if you are eligible for any discounts. Here are some discounts you should ask about:

  • Two or more cars on a policy
  • Motor Vehicle Accident Prevention Course
  • Driver Education Courses
  • Good student drivers under age 25
  • Mature driver (between 50 and 65 years of age)
  • Airbags, anti-lock braking system, and other safety equipment
  • Anti-theft devices
  • Low mileage
  • Carpooler
  • Clean driving record
  • Accident free record
  • Auto/home insurance on same policy or with same company

One last tip: Shop, and shop often! Why? Most people do not realize that insurance companies change rates continuously and typically repost new rates twice monthly. Therefore we recommend returning and re-rating your cars on the 1st and the 16th of each month just to be sure you are still getting the best deal and the rock-bottom, lowest, cheapest price you can for car insurance! Why not? Itís free.



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