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Best Affordable Auto Insurance in Kansas
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When you buy the basic auto insurance policy in Kansas, you are not only abiding by state law, but you are also buying several individual coverages. The individual coverages protect you against different types of losses. If you are looking for a cheap car insurance policy, you need to understand the different types of coverage available. For example, bodily injury liability pays for the other person's medical expenses, rehabilitation, funeral costs, and other covered costs, if you or your family is at fault in an auto accident. Property damage liability pays when you or your family members damage another's property in an accident. It pays for repair, replacement, or cash value of the other owner's property. Personal injury protection pays for medical expenses, rehabilitation, funeral expenses, and lost wages for you and your passengers injured in an accident, regardless of who is at fault. This type of coverage pays you as opposed to the other required coverages which provide money to the injured party if you are at fault for an accident. Uninsured/Underinsured motorist protection pays you or your passengers for medical, rehabilitation, and funeral costs. These are the required coverages in Kansas, and each has a required minimum amount that must be stated in your policy. Liability coverage of at least $25,000 for one person injured or killed in an accident you caused and $50,000 for two or more people is required. There is a $10,000 minimum for property damage, and personal injury protection minimum amounts are as follows: $4,500/person for medical expenses $900/month for one year for disability/loss of income $25/day for in-home services $2,000 for funeral, burial or cremation expense $4,500 for rehabilitation expense. Underinsured/uninsured motorist coverage varies by reason and by the type of driver you are, so be sure to ask the agent exactly what is required for your policy if you are looking to save money. Finding the best and most affordable auto insurance in Kansas can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Kansas. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Sunflower State.

Understanding Kansas's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Kansas one must understand what coverage they need. Kansas requires Personal Injury Protection (PIP) to be a part of your policy and is a no-fault state. A no-fault state allows the person in an accident to receive their money regardless of proof that the accident was somebody's fault. However, living in a no-fault state prevents the injured party from suing for further damages, and if the insurance money is not enough to cover medical expenses, the injured party must come up with the rest of the funds for treatment. In addition Kansas requires your policy to have protection from uninsured motorists.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Kansas the minimums are 25/50/10. The numbers are in thousands of dollars.

Kansas Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 25/50/10
  • No-Fault State: Yes
  • Personal Injury Protection Required: Yes
  • Uninsured Motorist Coverage Required: No
  • Average Liability Cost: $295
  • Average Collision Cost: $226
  • Average Comprehensive Cost: $192
  • Average Cost per Year in Kansas: $568
  • US Average Cost: $795
  • Expense Rank: 46/51

Best Kansas Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
N/A 65%
41%
N/A 53%
37%
40%
55%
N/R
30%
N/A N/R
39%
63%
49%
N/A 42%
34%
N/R
N/A N/R
35%
N/A 23%
42%
N/R
N/A N/R
N/A 75%
33%
N/R
34%
33%
N/R
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%