Kansas residents’ car insurance premiums depend on numerous factors, including age, location and driving history as well as factors like vehicle type and credit score. Top car insurers in Kansas also offer various discounts to help drivers save.
Kansas state minimum car insurance requirements consist of liability, personal injury protection (PIP), and uninsured/underinsured motorist coverage. While these minimum requirements exist, drivers should strongly consider purchasing additional coverage to safeguard themselves financially in case an accident occurs or their vehicle is damaged by an uninsured driver.
Comprehensive car insurance in Kansas typically costs more than liability only policies but provides better coverage. It covers damages from an accident which does not result in death or dismemberment up to your policy limit, damage from weather hazards, theft and vandalism and vandalism as well as theft and vandalism. If financing or leasing your vehicle is involved then gap insurance may also cover this difference between loan balance and payout amount from insurer.
Kansas drivers can expect to spend an average of $502 annually on car insurance – significantly lower than the national average. However, individual rates can differ considerably as each ZIP code poses different risk factors for insurers when it comes to crime, traffic and car theft rates.
Before selecting a policy, it’s wise to gather multiple quotes and compare prices from multiple providers. A great way to locate an affordable policy is by gathering quotes from independent agents, exclusive agents from large brands and online insurers alike. In addition, customer service ratings should also be taken into consideration as some insurers can answer questions quickly and thoroughly than others.
When applying for a quote, it will require some basic information about yourself such as age, address and driving record as well as vehicle year make model details. Once that information has been entered into our calculator it should provide an estimate as to the total cost for an insurance policy; please be aware however that this estimate does not represent an official quote as additional underwriting will still need to take place when applying for coverage.
ValuePenguin conducted an in-depth analysis of auto insurance rates across Kansas in order to calculate an average monthly premium. All rates used in this research come directly from insurer filings and should only be used as comparative estimates; specifically assuming they apply to a 30-year-old single male driver with good credit and driving history who drives a 2015 Honda Civic EX with full coverage.
Young drivers typically pay higher insurance costs than older drivers due to limited driving experience and increased odds of accidents. Other factors affecting young driver insurance costs in Kansas can include accidents or convictions they’ve had, driving history and credit score; as well as their type of vehicle – with sports cars or luxury vehicles costing more to cover than sedans and minivans.