|The General Insurance||$73 /mo|
How to Get Cheap Car Insurance in Kansas?
The sunflower state of the USA is already one of the best states to get the cheapest car insurance rates. Still, the rates are not affordable for the drivers who have a big family to feed with limited sources of income. So RateForce has created a list of the companies that have the most affordable car insurance rates for all the drivers in Kansas:
Which are the Best Car Insurance Companies in Kansas?
There is a big difference between the best and cheap rates for car insurance. And we understand the importance of the best car insurance company for every driver. Hence we have analyzed all the top car insurance carriers in Kansas for a lot of factors. Some of these factors are the health of the company, the reliability of the company, and even the customer reviews. Based on all these factors here is the list of top companies for the best car insurance rates in Kansas:
|The General Insurance||$73 /mo|
|Liberty Mutual||$149 /mo|
How to Get Best Car Insurance Coverage In Kansas?
Minimum Car Insurance Requirements in Kansas
Every state has its own legal minimum car insurance requirements to park or drive the vehicle in the state. The same goes for the drivers of Kansas, every driver is required to buy the minimum state coverage requirements. Below are the details of minimum insurance coverage required in Kansas:
- Bodily Injury Liability (BIL) Coverage:
If the driver is at fault in an accident then he or she will have to pay for all the medical expenses of the driver and its passengers. Each state has a clear amount of liability that a driver is required to cover the medical bills in such situations. In Kansas, the legal minimum requirement for bodily injury liability is:
$25,000 per person; if only the driver is injured. and $50,000 per accident for the driver and the passengers in the car.
- Property Damage Liability (PDL) Coverage:
If the driver is responsible for private property damage then he or she will have to cover the repair expenses. This can be damage to the fence, garden, benches, or the car of the other driver. In Kansas, the minimum requirement for property damage liability is $10,000 per accident.
Cheapest Minimum Liability Car Insurance Companies in Kansas
Here is the list of best companies that provide the lowest average rates to drivers for state minimum insurance coverage in Kansas:
- SafeAuto: $70 per month
- The General Insurance: $81 per month
- GEICO: $93 per month
- Travelers: $102 per month
- StateFarm: $113 per month
Cheap Basic Full Insurance Coverage in Kansas
Here is the list of top insurance companies that provide the lowest average rates to drivers for our unique basic full insurance coverage in KS. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- Progressive: $145 per month
- StateAuto: $157 per month
- StateFarm: $163 per month
- GEICO: $176 per month
- Allstate: $188 per month
Cheap Premium Full Insurance Coverage in Kansas
Here is the list of top auto insurance carriers that provide the cheapest full coverage in KS. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- Progressive: $197 per month
- StateAuto: $209 per month
- StateFarm: $227 per month
- GEICO: $238 per month
- Allstate: $251 per month
Additional Auto Insurance Coverage in Kansas
Minimum requirement coverage includes the insurance coverage that is compulsory for every driver. But there are some insurance coverages that are not compulsory but still important to save your money. Below are the top seven types of insurance coverages that every driver should consider:
- Collision Coverage:
Collision insurance is to protect your car in case it collides with the other subject; it can be living or non-living. For example, if your car collides with a tree, fence, building, or pedestrian. In such cases, your insurance company will cover all the car repair charges.
- Uninsured and Underinsured Motorist Coverage:
If you get into an accident with a driver who does not have insurance to cover your expenses then what? Or if the other driver does not have insurance at all. What will you do in such situations? If you have uninsured or underinsured motorist coverage then you will get your repair expenses covered.
- Comprehensive Coverage:
If your vehicle ever gets caught in a natural or man-made disaster then your insurance company will help you. It can be a thunderstorm, a fire, flood, or even vandalism. For any kind of calamity; you will get complete coverage for all the car repairs required.
- Roadside Assistance:
If you are traveling on a highway or a deserted road and your car breaks down what will you do? You can call your insurance company and they will send assistance instantly. All the expenses like towing the car and repairing it will be covered by the insurance company.
- Medical/Funeral Services:
This type of insurance is important for medical services like calling an ambulance or transportation of a dead body. Moreover; the company will provide a funeral service for the driver and will cover all the expenses.
- Loan/Lease Payoff:
This type of insurance coverage plays a crucial role when your vehicle is totaled in an accident. If you still have some loan or lease amount pending then your insurance carrier will help you to pay it. The company will pay the pending loan or lease amount.
- Rental Car Reimbursement:
This is an optional type but not too expensive and can have hundreds of dollars. Till the time your car is under repair, you can rent another car. And all the expenses of renting a car will be covered by the insurance company.
Cheap Car Insurance Quotes in Kansas on Ticket Profile
There are a lot of factors that affect the car insurance rate in any state or city. Based on these factors the insurance companies have some ticket profiles. These ticket profiles always get higher or lower insurance rates as compared to the other drivers. Below are the top five ticket profiles in Kansas and the insurance rates they get from different insurance carriers:
Cheapest Car Insurance for Drivers with a DUI in Kansas
In 2017; 52,274 drivers died because of a car crash due to DUI. Driving under the influence is one of the major crimes in Kansas and it will increase your car insurance rates. The process to the fallout of DUI is not only long but expensive. It involves court fines, SR-22, reinstatement fees, and many other processes.
Below are the best car insurance companies in KS that provides the cheapest and most affordable car insurance rates in Kansas:
|American Family||$75 /mo|
|State Farm||$83 /mo|
|State Farm||$103 /mo|
|American Family||$135 /mo|
Cheap Car Insurance for Speeding Drivers in Kansas
Just like drivers’ DUI; speeding drivers also get higher insurance rates. A speedy car can be thrilling to you but not for the pedestrians. And yes this thrilling party can lead to a major accident in no time. Hence; to avoid huge claims insurance companies increase the insurance rates for drivers with speeding records. Whenever a driver gets caught, he or she gets some points on the driving records.
Based on these points the company decides the amount of increase in the insurance rate. Below are the top companies in Kansas that can provide the most affordable car insurance rates:
Cheap KS Car Insurance Rates for Drivers with an At-Fault Accident
Drivers with at-fault accident histories are considered risky drivers. Hence some of the companies even cancel their policy. It doesn’t matter if the accident was small or big, your insurance will increase for sure. You can try to apply for accident forgiveness but it completely depends on the insurance company.
Below are the top companies you can try to get affordable car insurance if you have an at-fault history:
|State Farm||$95 /mo|
|State Farm||$98 /mo|
|American Family||$105 /mo|
|Farm Bureau||$117 /mo|
Cheap Car Insurance for Young Drivers in Kansas
Speeding vehicles are thrilling but also dangerous. A speeding driver might be responsible for a huge accident leading to loss of lives. This is the reason speeding drivers are considered risky ones.
Whenever a driver is caught while speeding he or she gets some points on the driving record. The points are based on the speed of the vehicle at that time. And then based on these points the insurance company decides the rise in the policy premium. Try to negotiate your way out or at least get some discounts on the insurance rates.
Below are some companies you can try to get cheap car insurance in Kansas:
Best Auto Insurance for Good Drivers in KS
A driver with a clean record and good experience on the road is considered a good driver. Good drivers always get lower car insurance rates as compared to all the other drivers. If you are more than 40 years of age with a clean driving record then you can apply for good driver insurance.
Here are some companies that have the lowest car insurance rates for the good drivers in Kansas:
|State Farm||$52 /mo|
|State Farm||$124 /mo|
|Farm Bureau Financial||$147 /mo|
Cheapest Coverage for Drivers with Poor Credit in Kansas
Your credit score can also affect the final car insurance cost. Drivers with grade companies poor or bad credit scores are considered irresponsible by most insurance companies. Hence the companies provide high car insurance costs to such drivers.
Here are some companies that might help to get cheap car insurance for drivers with bad credit:
Which Car Insurance Discounts are available in Kansas?
Average car insurance in Kansas is expensive compared to most of other states and that’s why discounts are important. Every insurance company has its way of dealing with discounts. But below are the four types of discounts that are available with almost all the companies:
Multiple Vehicles Discount:
This type of discount is applicable if you have more than one vehicle and you need insurance for all. Your insurance company will try to convince you into buying the insurance policies for all of your vehicles from them. As a result; they will provide you good discounted rates on all the vehicles.
Advance Safety Features Discount:
If your vehicle has advanced safety features then you can get a discount. Vehicles with safety features like an automatic seatbelt, anti-theft alarms, anti-lock brakes, etc are eligible for this discount. Most of the companies avoid discussing this discount so make sure to ask them directly.
Policy Binding Discount:
If you already have car insurance and you need other insurances then this type of discount will help. For example, you need life insurance or house owner insurance. Your insurance company will try to convince you to buy all the other policies from them. As a result, they will provide you good discounts. Try to negotiate as much as possible for this one.
Upfront Premium Payment Discount:
Every insurance company loves advance premium payment from the drivers. As a result, they reward the drivers to promote this payment model. And the reward for the drivers is the advance payment discounts. So if you are financially capable to pay the insurance premium in advance then don’t forget to ask for discounts.
SR-22 Car Insurance in Kansas State
SR-22 insurance is required if your driving license has been expired due to too many violations. It can be too many DUIs, Hit and Run, Reckless driving, or an at-fault accident. In any case, you will have to apply for an SR-22. It is proof that you are financially covered for the minimum liability insurance.
Applying for SR-22 is not expensive but getting SR-22 car insurance is expensive for any driver. Below is the list of some factors and the increase in insurance rates after SR-22:
|High-risk rating factor||Average yearly rate||Increase vs. no violations|
|At-fault collision (>$2,000)||$2,281||$658|
|Speeding (21-25 mph > limit)||$1,972||$350|
Best Cities for Cheap Car Insurance in Kansas
The location of the driver plays a very important role in the calculation of the final car insurance cost. The state, city, and even the Pincode affect the car insurance for every driver. Insurance companies analyze the area where the driver lives based on different factors.
These factors can be the crime rate, environmental conditions, and even the road conditions of the area. Here is the list of top cities with the average cost of car insurance in KS:
|City||Avg. Annual Premium|
FAQs About Car Insurance In Kansas
How to get cheap car insurance in Kansas near you?
There are two major ways to get cheap car insurance:
- Compare the rates: Compare KS car insurance quotes from as many companies as possible.
- Discounts: Ask for multiple types of car insurance discounts.
What is the penalty for driving without insurance in Kansas?
If you ever get caught driving without insurance in Kansas you might get jail time along with license suspension. You will get a fine of $300 to $1000 along with jail time of up to six months. The license will also be suspended until proof of insurance is provided.
Is Kansas a no-fault state?
Yes, Kansas is a no-fault state. That means if you get into an accident then your insurance company will be responsible for the expenses.
Which is the cheapest company for nearby car insurance in Kansas?
Every car insurance company follows a different process to calculate the car insurance rates. Each driver has a unique requirement and profile, based on that the insurance company decides the annual premium. So it might be unfair to other companies to give one name.
Which is better: Liability or Full Coverage Insurance?
Liability insurance is the minimum insurance you will have to buy as per the rules of your state. Full coverage is to cover all the expenses in almost all situations. If you want to know more then this might help Liability Vs Full Coverage Car Insurance.
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.