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For Auto Insurance Price Quote Comparisons by state, visit the link shown below.
Scroll down for recent rates, stats and discounts on Kansas car insurance. This page will help Kansas car owners select the optimally cost-effective auto insurance package.
Minimum Liability Coverage
Kansas state law requires minimum coverage for each vehicle owned. Drivers must buy at least $25,000 for Personal Injury Protection (PIP), $50,000 in coverage against injury to others, and $10,000 coverage for property damage.
Insurance agents refer to this minimum liability coverage as 25/50/10.
Penalties for Uninsured Drivers
The penalties for uninsured drivers in the state of Kansas are fines of up to a thousand dollars and six months of jail time, and that's just for first time offenders.
Repeat offenders face fines as high as $2,500, along with suspended or revoked licenses.
Car insurance premiums all over America are influenced by local weather, local economy, percentage of local uninsured drivers, percentage of local DUI convictions and population density, to name just a few.
Other factors that affect annual premiums are the policy holder's age, gender, lifestyle, driving record and type of vehicle owned, among other things.
The Average Annual Premium for Auto Insurance in the state of Kansas was about $1,435 last year.
Compare this to the overall national average, which was $1,510 at the time.
The slightly below average car insurance premiums in Kansas are probably due to low crime, low population density and a relatively low rate of uninsured drivers, according to analysts at Top50States.com.
Cost of Car Insurance
Most insurance carriers based in Kansas offer various discounts on auto insurance premiums. Available auto insurance discounts for Kansas car owners include
Defensive Driving Course discounts for people 55 and above,
Safe Vehicle discounts for owning the kinds of cars less likely to get stolen.
Good Student discounts for adults enrolled in school full time and excelling academically.
Other available car insurance discounts are offered for installing anti theft devices, and for holding more than one insurance policy.
Ask your local agents about any and all available discounts. Any number of discounts can be applied to a single policy.
Recent consumer reviews seem to indicate that the most popular auto insurance companies in America are Allstate, Auto Owners Insurance, Geico, The Hartford, State Farm and 21st Century Insurance.
Call a few of these carriers and comparison shop to finding the best deal on car insurance.You can also get free quotes online.
Grab every possible discount, compare quotes, and go for the least expensive premium package you can get.
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