Cheap Kansas car insurance

According to Bankrate, drivers in Kansas pay an average of $614 per year for the minimum required coverage and $2,554 per year for “full coverage”.* Your rates could be higher or lower than the average, based on several factors specific to you, including:

• Age

• Driving history

• Type of vehicle you’re insuring

• ZIP code

• Car insurance company you choose

• Selected coverages

It’s common to shop around and compare prices and services from different insurers when purchasing auto insurance. For example, drivers who choose Dairyland have several policy payment options:

• Choose between 6-month and 12-month policy terms

• Pay for the entire term up-front

• Make a down payment and pay the rest in monthly installments

In Kansas, all drivers must carry a minimum amount of auto insurance. Required coverages include liability, personal injury protection, and uninsured/underinsured motorist bodily injury.

Bodily injury liability steps in if you're at fault in a covered accident and the other party gets injured. While the state minimums listed below are required, it's worth considering whether they provide enough protection for your needs. Considering the high cost of medical bills, the minimums may leave you vulnerable to out-of-pocket costs.

• $25,000 per person

• $50,000 per accident

Another crucial element of Kansas state insurance requirements is property damage liability. This coverage can help protect you financially if you accidentally damage someone else's property while driving.

• $25,000 per accident

Kansas operates under a no-fault system, which means your insurance helps cover medical expenses for you and your passengers regardless of who caused the accident. The amounts listed above are minimums but—depending on your insurer—you may be able to purchase more to supplement your medical insurance.

• $4,500 per person for medical expenses

• $900 per month for one year for work loss

• $25 per day for essential services, 365-day maximum

• $2,000 per person for funeral expenses

• $4,500 per person for rehabilitation expenses

• Up to $900 per person per month for one year for survivors’ loss

Uninsured/underinsured bodily injury coverage helps cover your own medical costs if you're in an accident where the other driver is at fault, and either isn’t insured or doesn't have enough to cover your costs.

• $25,000 per person

• $50,000 per accident

If you've had some troubles on the road—like a DUI or driving without insurance—you might need to file an SR22 form. This isn't a type of insurance but rather a certificate proving you have the minimum required coverage.

At Dairyland, we offer SR22 filing services without additional fees. It's a step toward getting back on the road legally after a setback, and we're here to help make that process as smooth as possible.

Everyone loves a good deal, right? Most insurance providers offer various discounts that can help lower your premium. Some discounts we offer to Kansas drivers include:

• Multi-car

• Homeowners

• Paid in full

• Prior insurance

It's always worth asking about available discounts—you might be surprised at what you qualify for!

The truth is no single company is the cheapest for everyone. What's affordable for your neighbor might not be the best deal for you. It all comes back to those personal factors we talked about earlier.

Your best bet is to get quotes from multiple providers. Compare not just the prices but the coverage levels and the companies’ reputations.

Knowing the rules of the road in Kansas can help keep you safe and ticket-free. Here are some key driver requirements and laws to keep in mind:

• Graduated licensing: Kansas uses a graduated system for new drivers. It's designed to ease young drivers into full driving privileges over time.

• Texting and driving: It's illegal to text while driving in Kansas. Keep those hands on the wheel and eyes on the road!

• DUI laws: Kansas takes drunk driving seriously. The penalties are steep, including fines, license suspension, and possible jail time. The best policy? Don't drink and drive.

Need to dive deeper into Kansas driving info? Check out these helpful resources:

From road conditions to construction updates and safety tips, KDOT is your go-to source for all things related to Kansas roads.

Need to renew your license or register a vehicle? Go to the Kansas Division of Vehicles. They handle all sorts of motor vehicle services—including written driver’s exams, plate personalization, and locations of local offices.

For more details on Kansas insurance requirements and consumer protections, visit the Kansas Department of Insurance website.

Ready to take the next step in finding the right car insurance for your Kansas drives? Reach out to us at Dairyland today. We can help you navigate the options, understand the Kansas state insurance requirements, and build a policy that gives you the protection you need at a price that works for your budget.