Auto Coverage in Kansas
Kansas Auto Insurance
Insurance in Kansas can be expensive – higher than the national average – but definitely worth your while. It's not only legally required for you to have insurance, but you can face consequences if you do not have proof of insurance.
Minimum Kansas auto insurance
In Kansas, you need to carry a certain amount of liability coverage in the following amounts, though you might want to buy more than the minimum in case of an accident.
For example, collision, comprehensive, or uninsured motorist coverage can also help cover your costs and damages.
Here are the Kansas minimums:
- Bodily Injury and Death: $25,000 to cover one person in any one accident, and $50,000 to cover all injuries
- Property Damages: $10,000
In addition, Kansas drivers are also required to have personal injury insurance coverage
One benefit of living in Kansas is the low cost of car insurance coverage – estimated as the fifth least expensive U.S. state in 2006, according to the Insurance Information Institute.
Penalties without Kansas auto insurance
If you're pulled over by a traffic officer, or in an accident, you may be expected to show your proof of insurance. You can do this by keeping an insurance card, insurance binder, a premium receipt or declarations page from your policy in your car.
If you are caught without insurance, you have 60 days to show proof of coverage. But if you cannot show this proof, you can be fined and even get your license or driving privileges suspended.
Discounts for Kansas auto insurance
Certain situations can qualify you for discounts on your insurance premiums. For example, if you meet any of the following conditions, talk to your insurance agent about the discounts:
- A good driving record
- Good credit history
- Good student grades
- Safety equipment in your car such as airbags or anti-lock brakes
- Keeping a home or rental insurance policy with the same insurance company
- Driving less than 7,000 a year