The average Kansas driver will pay just $ 805 a year for
, according to the Insurance Information Institute. Compared to the national average of $ 935 per year, auto insurance in Kansas is affordable.
Auto insurance companies take your location, age, gender, and driving record into account when calculating premium rates. Other factors like credit score, marital status, type of vehicle, previous coverage, and miles driven can all play a role in how much you’ll pay for coverage.
Even though auto insurance costs aren’t high in Kansas, there are still great opportunities to save money by shopping around and comparing coverage beyond the premium or the amount you’ll pay for the coverage.
Minimum Auto Liability Insurance Requirements in Kansas
Liability insurance is required by law. If you are involved in an accident, liability insurance covers damage you cause to the other vehicle, the driver and their passengers. If you finance or lease your car, your lender probably requires full coverage and collision coverage.
The two main components of liability insurance are personal injury and property damage, which are required by most states. Liability insurance also includes coverage for uninsured motorists and underinsured motorists, to protect you when a faulty driver hits you and they have no coverage, or not enough coverage.
Kansas requires bodily, property and personal coverage, according to the Insurance Information Institute. Kansas’ minimum liability requirements are 25/50/25, which means up to $ 25,000 in injury protection for each person involved in an accident, up to $ 50,000 in injuries per incident and up to to $ 25,000 in property damage per incident.
Best Cheap Auto Insurance In Kansas Based On Credit Score
Consumer Reports has compiled a list of all auto insurance pricing formulas from all companies in each state. He used an average single adult driver to find the best price in each state and found that three companies ranked top for three different credit levels. Here are the top three companies and their average cover price:
*USAA is only available to service members, veterans and their families
Average Premiums for Senior and Teen Drivers in Kansas
The table below shows the average amount senior and teen drivers can expect to pay in Kansas. Because teenage drivers are new drivers with little driving history and more accident prone, their rates are high. Most insurance companies offer discounts to teenage drivers for good grades or for taking road safety courses.
Older drivers typically see an increase in auto insurance premiums as they get older, but not as much as new or teenage drivers. If you’re still driving in your sixties and sixties, there are ways to negotiate cheaper auto insurance rates, like using pay-per-kilometer.
Data provided by Hen head insurance
Kansas Auto Insurance Rates by City
Where you live affects your premium. Those in urban areas pay more than those in rural areas. Below is the estimated average annual premium of
policies per household in the most populous cities of Kansas:
S&P Global Market Intelligence data
Best Auto Insurance In Kansas Based On Customer Satisfaction
Customer satisfaction with auto insurance providers may be a factor in your decision. According to a 2021 survey by JD Power, a consumer research firm that surveys customers, these are the major auto insurance companies in the central region (which includes Kansas):
Most Popular Auto Insurance Companies in Kansas by Market Share
Here are the most popular auto insurance companies in Kansas, based on the percentage of Kansas insured drivers who use them:
* USAA is restricted to serving military personnel, veterans and their families.
S&P Global Market Intelligence data
Who gets the best auto insurance in Kansas?
Those who get the best auto insurance rates will be the ones with the best credit. There are several other factors that can affect how an insurance company will price your premium, including your age, gender, the type of car you drive, and where you live in Kansas.
Another way to save money is to shop around – each insurance company rates their policies differently, and no two policies are the same. Prices vary widely depending on whether you get Third Party Liability, Full Liability, or Collision Liability coverage.
Consider the amount of coverage and the types of coverage listed on your quote. Remember, you are looking for the best coverage for your money. Remember to look at the deductible, or how much you will pay out of pocket if you have an accident.