Kansas Auto Insurance

In Kansas, auto insurance is required for all drivers. Minimum levels of auto insurance coverage for KS residents are set out by state law. Kansas is a no-fault state as far as auto insurance is concerned. This means a driver’s own insurance company will pay for claims without having to determine who was at fault. Learn about the requirements and rates for your Kansas car insurance needs below.

Kansas Auto Insurance: Minimum Coverage Required

By law, Kansas drivers are required to have the following types of car insurance in place:

• Liability Coverage
• Personal Injury Protection (PIP)
• Uninsured/Underinsured Insurance (UM/UIM)

You are required to have a minimum of $25,000 in liability coverage for one person injured in an accident and a maximum of $50,000 in claims for a single accident, no matter how many people were injured. $10,000 in property damage coverage is also required. This part of your policy will pay for repairs to a building, shed, mailbox, light stand, stop sign, etc.

Your Personal Injury Protection coverage provides benefits to you if you or a family member is injured in an accident. The state has determined that you must have the following minimum levels of coverage:

• $4,500 for Medical Expenses (per person)
• $2,000 for Funeral or Burial Expenses
• $4,500 to Cover Rehabilitation Services
• $900 for Lost Income (per month)
• $25 Per Diem for Services Provided in the Insured’s Home

As you can see, these numbers are not very high. If you or a family member gets injured in a serious accident, it won’t take long to accumulate $4,500 in medical expenses. If your insurance company will only pay you $900 per month if you are unable to work, how are you going to pay all of your bills? The minimum levels of coverage may not be enough to protect yourself and your family.

The final piece of required insurance is Uninsured/Underinsured coverage. This insurance pays benefits if you are involved in an accident with a driver who either has no insurance or does have sufficient insurance to pay your claim. Uninsured/Underinsured insurance covers your medical expenses, rehabilitation, and home care. It also pays for funeral expenses, if required.

The Uninsured/Underinsured part of your policy is enacted when you or a family member is hit by a car while walking or riding a bicycle. You are required to have a minimum of $25,000 per person coverage in place, with a maximum of $50,000 for any accident.

Kansas Auto Insurance Rates

When an insurance company gives you a quote for your auto insurance in KS, it takes underwriting and the driver’s rating into consideration. Your application for coverage will be considered based on the following factors:

1. Age
2. Gender
3. Driving Record
4. Number of Miles Driven Annually
5. Make and Model of the Vehicle to be Insured
6. Where You Live

After the underwriting process has been completed, the insurance company will assign the applicant one of the following ratings:

• Standard
• Preferred
• Non-Standard

Drivers with a Standard rating are considered by insurance companies to be a moderate risk. They have a fairly clean driving record and drive family-style vehicles.

If you are given a Preferred rating, it’s a sign that your insurance company considers you to be a safe driver who is less likely to be involved in an accident. To be given a Preferred rating, you must have a clean driving record for a number of years (usually between 3 and 5).

Non-Standard drivers are those who are considered to be a high risk as far as the insurance company is concerned. You may be placed in this category under the following circumstances:

1. Young Driver (under age 25)
2. A History of Arrests or Convictions for DUI/DWI
3. Traffic Tickets
4. One or More Accidents

If you have bounced payments for your auto insurance premiums, you may also be placed in the Non-Standard category as well. Some insurance companies will pull your credit report as part of the application process. If you have a history of not paying your bills on time, it can affect your auto insurance premium rates.

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