Kansas Car Insurance
Contrary to popular belief, The Wizard of Oz was not filmed in Kansas at all. Kansas is a charming place where many people find fantastic lives and raise their families. The state does not have the strongest public transportation systems out there, and having a car has major benefits. In order to drive legally in the state, an automobile insurance plan that meets the minimum requirements needs to be purchased.
Auto Insurance Requirements In Kansas
The requirements for automobile insurance in Kansas include more types of insurance than many other states require. The state requires that bodily injury liability coverage in the amounts of $25,000 per person and $50,000 per accident be purchased. Additionally, property damage liability coverage in the amount of $10,000 per accident must be carried. Other insurance policies that are not required in the majority of states, but are in Kansas, include uninsured motorist coverage and underinsured motorist coverage. Both of these insurance plans must be included in your policy with minimum requirements of $25,000 per person and $50,000 per accident.
Personal Injury Protection insurance, also called PIP, is required with minimum limits of $4,500 in medical benefits and other benefits.
Average Cost Of Coverage In Kansas
Even though more automobile insurance coverage than other states is required, Kansas is right near the national average in terms of car insurance premium costs. Just over $1,400 per year is the average in the state, though some people can find themselves above or below this number by quite a bit. Numerous variables go into determining a person’s car insurance rates, including their driving history, gender, age, marital status, and others.
Cheapest Car Insurance Companies In Kansas
Some auto insurance providers are less expensive on average than others in the state of Kansas. Companies that have lower rates on average in the state include American Family, State Farm, Farmers Insurance, Auto-Owners Insurance, and Allied Insurance. For people who have bad driving records, other companies may be able to provide better premiums than these companies. Some companies specialize in specific demographics, including high-risk drivers and younger drivers.
Cheapest Car Insurance In Kansas By City
Knowing which cities have lower rates on average can be a big help for people who are intending to move to a city in Kansas. The lowest rates for car insurance can be found for people residing in Eudora, Lawrence, De Soto, and Baldwin.
Most Expensive Car Insurance In Kansas By City
More expensive cities in the state, and cities that are way above the average for the state, include Minneola, Syracuse, Tribune, and Sharon Springs. For people who have bad driving records, or are younger drivers, it makes sense to shop around even more to find the best rates for you. The tools located here are a big help. Some people may consider not purchasing an auto insurance plan, but the fines, fees, and penalties cannot only be steep, and also life-changing.
Laws, Rules, And Penalties In Kansas
Vehicles in the state of Kansas cannot be registered, nor can they be reregistered, unless the person registering the vehicle has had a policy in effect throughout the period of the vehicle’s registration. This means that you may not be able to register your vehicle if you have driven it without insurance, or even if it has been registered without insurance.
Fines in the state of Kansas can range anywhere from $300-$2,500, which depends on the severity of the scenario a person is caught without insurance. In addition, a person’s driver’s license can be suspended, as well as the registration. Imprisonment is not incredibly common but is also an option for people who are repeat offenders in the state.
Repeat offenders can see more severe fines and penalties, but the penalties for a first offense are also very steep. The best way to avoid being penalized is to carry a valid automobile insurance policy whenever a vehicle you own is registered.
How To Save Money On Car Insurance In Kansas
Many people are surprised that they can save money on their automobile insurance plan simply by going to the right places to comparison shop. This website has the top tools for comparing car insurance in Kansas, allowing you to get free quotes from multiple auto insurance companies at one convenient place. Start by getting quotes from the cheapest car insurance companies in the state, and make sure that all of the discounts you can qualify for are on the quote. This site is the perfect place to get started.