InSure

Phog Allen Fieldhouse is an athletic museum located in the heart of Lawrence, Kansas. The legendary arena is the crown jewel of the Kansas Univesity (KU) athletics program and has been deemed by many sporting news outlets as the best venue to watch a college basketball game (with all due respect to The Palestra, Bankers Life Fieldhouse, and Rupp Arena).

Phog Allen Fieldhouse has a history of honing a horde of hardwood heroes. Wilt Chamberlain. Paul Pierce. Danny Manning. Nick Collison. Joel Embiid. The passion and production of these prolific players have given the Phog Allen faithful plenty of reasons to Rock Chalk Jayhawk! They all understand what an enormous competitive advantage a strong home court can be.

When it comes to gaining a competitive advantage with your auto insurance rates, the best course of action is to compare quotes from multiple carriers in order to get the best premiums for your personal situation.

Enter your zip code now to begin the competition among the auto insurance companies for the right to earn your business in the state of Kansas!

Kansas Insurance Coverage and Rates

Mining through the mounds of minutiae to find the most meaningful information for the top auto insurance companies in Kansas is neither fun nor practical.

Great news for you! We’ve already done all the research necessary to help you make an informed decision about your auto insurance without having to succumb to boredom. The money you’ll save from all the tips and tidbits you glean from this guide will have you cheering louder than the Chiefs’ fans at Arrowhead Stadium.

We’ll help you to know what the Sunflower State requires, what you may desire, and where you can get it at the most affordable rates.

Kansas Minimum Coverage

Kansas is one of a handful of states that is a no-fault state, meaning that after an accident, your own basic no-Personal Injury Protection (PIP) coverage will pay for your medical bills and certain other out-of-pocket losses regardless of who is responsible for the car crash.

The minimum PIP requirements in Kansas 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

• Survivor Benefits: Disability/loss of income up to $900/month for one year
• In-home services up to $25/day for one year

All drivers in Kansas are required to carry minimum liability insurance levels of 25/50/25 to satisfy basic overage. This means that car owners must carry the following minimum coverage for auto insurance in Kansas:

• $25,000 for bodily injury or death of one person in an accident caused by the owner of the insured vehicle

• $50,000 for total bodily injury or death in an accident caused by the owner of the insured vehicle

• $25,000 for property damage per accident caused by the owner of the insured vehicle

Drivers in Kansas have the option to purchase Medical Payments Coverage (Med Pay) of at least $5,000 to cover medical expenses after an accident (again) regardless of who is at fault for the crash.

The state of Kansas does require you to carry Uninsured/Underinsured Motorist coverage with minimums of $25,000 per person and $50,000 per accident.

It is the sole responsibility of each driver to determine how much risk he or she is willing to take on. Each driver must do a cost-benefit analysis for himself or herself to decide whether the monthly (our semi-annually or annually) premiums saved by foregoing Uninsured/Underinsured Motorist coverage (or choosing the bare minimum) is worth the potential litigation to which he or she would be vulnerable.

If a driver has substantial assets that he or she desires to protect, he or she should consider increasing his or her liability coverage. This can raise the average cost of auto insurance in the state.

The experts at the Wall Street Journal advise would advise that if you do choose to purchase liability coverage make sure to increase the limits to 100/300/50.

Minimum coverage requirements and costs vary from state to state.

Next, we will explore how much money drivers in Kansas spend on average for their auto insurance. The amount you will actually pay will more than likely differ from these stated amounts; however, this data should serve as a helpful blueprint that you can apply to your current situation with confidence.

Proof of Financial Responsibility

Kansas Statute Chapter 40, Article 31, Section 4 states: “Any person operating a motor vehicle upon a highway or upon property open to use by the public shall display, upon demand, evidence of financial security to a law enforcement officer. Such evidence of financial security which meets the requirements… may be displayed on a cellular phone or any other type of portable electronic device.”

Kansas insurance laws have strict penalties for those who do not maintain financial responsibility, including:

• A fine of up to $1,000 and 6 months in jail for a first offense
• Subsequent offenses within 3 years of a previous offense can result in a fine up to $2,500, loss of your registration, and suspension of a license
• Requisite reinstatement fees

Premiums as a Percentage of Income

American legal scholar Steven G. Calabresi has said, “Income tax filing and payment day should be moved from April 15th to November 1st so it can be close to election day. People ought to have their tax bills fresh in mind as they go to vote..”

This salient quote emphasizes the major impact that taxes have on the Disposable Personal Income (DPI) of the American citizen. One’s DPI is the amount that is netted by an individual or household after taxes are withdrawn.

Full coverage policies include liability, comprehensive, and collision insurance. Here’s a peek at how these rates cost across the nation.

Now that we have sorted through some data about auto insurance costs to the individual consumer, let’s take a look at some important statistics about the insurance companies themselves.

Loss Ratio

First, let’s examine loss ratio and how it impacts your insurance. What exactly is a loss ratio? How and why is it even important?

The insurance loss ratio is the proportionate relationship of incurred losses to earned premiums expressed as a percentage. A high loss ratio means that an insurance company has too many customers filing claims, which will subsequently lead to a rise in future premiums for all consumers.

For example, an auto insurer collects $100,000 of premiums in a given year and pays out $80,000 in claims, the company’s loss ratio is 80 percent ($80,000 incurred losses/$100,000 earned premiums).

Add-ons, Endorsements, Riders

Just over seven percent of drivers in Kansas (7.2 percent to be precise) are driving without insurance, which ranks as just the 44th highest percentage in the nation.

The Kansas Department of Insurance has created the Auto & Homeowners’ Insurance Shoppers Guide as a helpful resource outlining all the insurance enhancements available to you. The Kansas DOI also created the Auto Shoppers Worksheet to serve as a checklist for consumers to use when shopping around for the best rates available.

Pay-by-the-mile auto insurance plans offered by companies like Metromile are growing in their popularity, unfortunately, they are not yet active in the Sunflower State.

Other Usage-Based Insurance programs (UBI) are active and available to drivers in Kansas. Programs like SmartRide from Nationwide or Snapshot from Progressive or Drivewise from Allstate offer discounts to drivers based on their on-the-road proficiency.

In addition to these add-ons, there are several more optional enhancements that you can explore to decide which ones may be right for you:

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Auto Insurance
• Modified Auto Insurance Coverage
• Classic Auto Insurance

Average Auto Insurance Rates by Age & Gender in KS

Judging by the hit singles of its highest-selling band Kansas, the state of Kansas is home to many wayward sons (and we’d have to assume wayward daughters as well). When it comes to auto insurance rates in the Sunflower State, who gets the better deals: the wayward sons or wayward daughters? What about the docile sons and daughters?

Let’s find out the answers to these questions by examining the data.

Here’s a look at the Most Expensive Demographic rates in Kansas. With which company can you and your family find the best value?

Whether you’re a man or woman, single or married, young or old, it pays to shop around with multiple carriers.

For example, a single 25-year-old Kansas girl would save over $600 annually on her premiums with State Farm over Safeco.

Kansas Insurance Rates by ZIP Code

Are you more likely to get lower auto insurance rates in Kansas City or Wichita? Do the students and faculty in Lawrence enjoy more favorable premiums than their counterparts in Manhattan?

Let’s find out by taking a look at the least expensive ZIP codes in Kansas. Here is a chart with the 25 cheapest annual premiums in Kansas for each insurance carrier by city and ZIP code:

Where did your hometown rank statewide? Let’s take an even more in-depth look as to how your city and neighborhood compares to the state average.

This is a list of the 25 Most Expensive Cities and ZIP codes in Kansas compared to the state average.

Kansas Auto Insurance Companies

Selecting the proper insurance coverage for your budget is important. Trying to sift through all the data to make an informed decision can seem impossible. Rummaging through all the charts and graphs and numbers can sometimes appear to be pointless.

Fear not! We have pieced together all the information that will be most helpful to you in making your decision on the best auto insurance company for your family’s needs.

The public reputation and perception of any company from which you’re considering purchasing auto insurance should be a major factor in your decision-making process.

An insurer’s public reputation can be a clear indication of the kind of rates it offers to its consumers. We’ll show how the largest companies rate in the areas of financial stability and customer satisfaction.

Financial Ratings

AM Best is a credit rating agency. It evaluates insurance companies and grades them based on their financial stability. The table below shows the ten largest insurance companies in Kansas as measured by market share, and direct premiums written with their AM Best rating.

Customer Satisfaction Ratings

Only two companies, Shelter and USAA, have earned a five-circle rating from J.D. Power.

The central region as a whole was rated three circles. From the table above, a majority of insurance companies in the region rank below average.

Companies in Kansas with the Most and Least Complaints

The late musician John Coburn Stewart once sang, “There ain’t no change in Kansas rain.”

Unfortunately, the same thing cannot be said about consumer tastes and loyalties which are ever-changing. If a company grows out of favor with the customer for whatever reason, the customer has the right to voice his or her displeasure.

When the consumer is left dissatisfied with an insurer, he or she can file a complaint. Those complaints, justified or not, are factored into a company’s complaint ratios.

The complaint ratio is how many complaints a company receive per one million dollars of business written.

If you wish to file a complaint against an auto insurer in the state of Kansas, use this online form.

Largest Auto Insurance Companies in Kansas

This table represents the auto insurance companies with the largest market share in Kansas.

There are just under 923 auto insurance companies registered in the state of Kansas. Of the 923, 25 of them are homegrown; while 898 are foreign.

Kansas Auto Insurance Rates by Company

Now, we’re going to compare and contrast the top auto insurance companies to see which of them give the best rates on average in Kansas.

Kansas Rates by Carrier and Commute

Kansas Rates by Carrier and Coverage Level

Kansas Rates by Carrier and Driving Record

Accumulating points on your license will have a negative impact on your auto insurance rates. How severely depends on the company. Each company uses its own underwriting metrics when assessing risk. Here is a quick look at how top auto insurance companies in Kansas price various driving infractions:

Kansas Rates by Carrier and Credit History

Kansas Rates by Carrier and Demographic

Note: Focus on the company that best meets your specific needs.

A married 35-year-old male will pay $2,145.07 on average with Travelers, compared to the $2,693.77 he would have to pay for the same coverage with Allstate.

When you’re shopping for the best auto insurance rates for your personal situation, you have to focus on the people in your own household, the loved ones in your own home.

The only way to ensure that you’re getting the best quotes for your specific home circumstance is to compare rates from multiple carriers.

Another way to keep your rates low is to maintain a clean driving record. Being a good driver requires you to possess a working understanding of the traffic laws and obeying them. We’ll review the rules of the road in Kansas to help you keep your record spotless.

Kansas Laws

Studying all the state traffic statutes would be arduous and time-wasting. As soon as you memorized one set of laws, there’d be another one on the way.

We’ve got you covered with the most pertinent rules and regulations for you to know when driving in Kansas.

Auto Insurance Laws

State insurance commissioners are afforded lots of leeway and authority to administer laws and regulations on the auto insurance industry in their respective commonwealths. Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

Insurance companies in Kansas are subject to the regulations set by that state insurance commissioner. Ultimately, all rates and regulations must meet the fair competition standards set by the National Association of Insurance Commissioners (NAIC).

High-Risk Insurance

The SR-22 form must be filed by drivers who have committed violations or have multiple infractions, as well as uninsured drivers and others. If your license has been revoked or suspended, you may need to file an SR-22 to have it reinstated.

SR-22 coverage may be required after committing the following infractions in Kansas:

• Conviction of a violation under the Habitual Violator Statute
• Traffic officers’ DC-66 filing to the division for failure to provide proof of insurance during a traffic stop, unless proof of insurance is provided to the department within the time prescribed
• Any license suspension, resulting from (noncompliance) with this statute’s requirements to maintain evidence of insurance
• Failure to provide evidence of financial security as a result of an automobile accident as required by law

Unlike many other states in the country, Kansas does not utilize a point system for traffic violations. The Kansas Highway Patrol does offer helpful information regarding traffic citations. In addition to that, the Kansas Highway Patrol offers useful resources to the community through Public Safety Programs such as the AAA Driver Improvement Program.

Windshield Coverage

Kansas has no specific laws requiring insurance companies to offer special glass coverage or no-deductible windshield replacement. The insurance companies can choose aftermarket parts that are of like kind and quality as well as the repair vendor.

Read a detailed summary of Kansas Windshield Insurance requirements for windshield and glass coverage.

Automobile Insurance Fraud in Kansas

Insurance fraud is the second largest economic crime in America. Premium rates are raised dramatically by insurance companies and passed on to the consumers in attempts to combat fraud.

There are two classifications of fraud: hard and soft.

• Hard Fraud – A purposefully fabricated claim or accident
• Soft Fraud – A misrepresentation of information to the insurance company

Soft fraud is more common than hard fraud. Twenty to 40 percent of consumers admitted to lying to their insurer about one of the following:

• Number of annual miles driven
• Number of drivers in the household
• How the vehicle would be used

Insurance fraud is a crime no matter how you slice it. Even the “little, white lie” you tell to get a lower rate can lead to harmful consequences. That kind of willful misrepresentation of facts is called known as “rate evasion” and is $16 billion annual expense to auto insurers.

If you suspect insurance fraud or have been the victim of fraud, you can contact the Kansas Department of Insurance to report such activity.

Statute of Limitations

Kansas’s statute of limitations for filing a claim is one year for personal injury and two years for property damage.

Vehicle Licensing Laws

The Kansas Department of Revenue (Division of Vehicles) has an online portal where residents can perform tasks such renew their registrations and drivers’ licenses, update or change their address, and retrieve their driving history. Vehicle registration and insurance information can be easily accessed through the state database.

Teen Driver Laws

The State of Kansas wants to ensure that all teenage drivers are equipped with all the tools and resources to be safe and knowledgeable behind the wheel.

Older Driver License Renewal

• Elderly drivers in Kansas (age 65 and older) must get their licenses renewed every four years compared to every six years for other drivers in the general population.
• Both seniors and the general population must show proof of adequate vision at every renewal
• Neither senior driver nor the general population can renew online, but the state is currently in the process of launching a new online renewal system that due to the increasing frustration over long lines at the DMV.

New Resident Licensing

New residents of the state of Kansas must obtain a Kansas driver’s license and vehicle registration within 90 days of establishing residency. Non-resident, full-time college students (at least 12 class credit hours per semester) and active duty military personnel are the exceptions to this requirement.

REAL ID

The state of Kansas is compliant with the REAL ID Act passed by Congress and enforced by Homeland Security. This means that a Kansas-issued driver’s license or state ID is an acceptable form of identification at federal facilities, airports, and nuclear power plants.

As of October 1, 2020, anyone wishing to board an airplane or enter a federal facility must have a REAL ID-compliant form of identification.

Rules of the Road

Keep Right and Move Over Laws

Kansas law only permits left lane driving for passing other vehicles or for when making a left turn.

Kansas updated its “Move Over” law in January of 2010 to protect law enforcement, emergency vehicles, and road workers from oncoming traffic.

Speed Limits

Seat belt Laws

Seat belt and car seat laws in Kansas should be a no-brainer. Child safety seat laws in Kansas specify all children 3 years old and younger must be in a child restraint; children ages four through seven who weigh less than 80 pounds and children ages four through seven who are less than 57 inches tall must be in a child restraint or booster seat.

All children ages eight through 13 years or children ages 4-7 who weigh more than 80 pounds and/or who are taller than 57 inches are permitted to wear adult safety belts.

Car Seat Laws

Kansas law mandates no preference for front-seating or rear-seating for children, nor does it mandate a preference for front-facing or rear-facing car seats for children.

Safety Laws

Promoting safety and preventing chaos are the ultimate goals of any traffic laws. The Kansas Department of Transportation (KSDOT) has developed the Highway Safety Improvement Program to provide tips, facts, and interactive maps and guides of which all drivers are encouraged to take advantage.

In accordance with the National Highway Traffic Saftey Administration (NHTSA), Kansas released its most recent Highway Safety Plan as an additional resource for drivers.

DUI Laws

The Blood-Alcohol Content (BAC) limit in Kansas is 0.08 percent; the High BAC limit is between 0.15 percent.

The DUI penalties in the state of Kansas can be found in this helpful guide.

Drug-Impaired Driving Laws

At present, Kansas has no specific marijuana-impaired drugged driving laws.

Kansas Can’t-Miss Facts

Take a look at some interesting factoids about Kansas, the Sunflower State

Vehicle Theft in Kansas

There may be no place like home, but there also is no pain like home and auto theft. Here is the table of the top stolen vehicles in the state of Kansas.

As you can see, full-size pickup trucks are a favorite target for car thieves in the state of Kansas.

Vehicle Theft by City

The table below gives a breakdown of the top 10 cities for auto theft within the state.

Risky and Harmful Behavior

For your information, we’ve compiled a list of all driving-related fatalities in Kansas.

Fatality by Speeding and Drunk Driving

Fatality Rates Rural vs. Urban

Fatalities by Person Type

EMS Response Time

Transportation

Commute Time

Traffic in Kansas is almost nonexistent compared to the national average and when compared to the major states on either coast.

At 18.5 minutes, drivers in Kansas have significantly less commute time than the national average of 25.3 minutes. A minuscule 1.15 percent of drivers in Kansas experience a “super commute” of 90 minutes or more.

Commuter Transportation

Now that you have gleaned all the important information regarding Kansas driving laws and insurance requirements, you are fully equipped to purchase the best insurance for yourself in the Sunflower State.

To get the best rates from the auto insurers in Kansas, you don’t have to seek out a wizard or follow a yellow brick road or search somewhere over the rainbow.

Just enter your ZIP code to start saving today!

Auto Insurance Laws / Auto Insurance Tips

15.04.2019 / affordable auto insurance / car insurance comparison / car insurance laws