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Kansas Car Insurance

From long open roads to unpredictable weather, having reliable car insurance gives you peace of mind, no matter what the Kansan skies or highways bring. With the right coverage, you can be confident that you’re protected against life’s surprises, allowing you to focus on the journey ahead.

Amica offers customized Kansas car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for insurance that meets your unique coverage needs.

Auto insurance minimums in Kansas

In Kansas, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $25,000 per accident

Bodily injury liability coverage: Coverage to protect you from the financial consequences of causing bodily harm to others in an auto accident. This extends to coverage for medical expenses, pain and suffering, rehabilitation costs, and lost wages. It may also cover legal defense costs if you’re sued. This coverage is subject to policy limits and exclusions.

Property damage liability coverage: This coverage helps with damage you cause to someone else’s property in an auto accident where you’re at fault. It includes costs for repairing or replacing the other party’s vehicle and other damaged property, like buildings or fences. It may also cover legal fees if you’re sued for the damages. Coverage is subject to limitations and exclusions. 

In addition to the minimum liability coverage requirements, Kansas mandates coverage for uninsured/underinsured motorist bodily injury and personal injury protection, with the following minimum limits:

  • Uninsured/Underinsured Motorist Bodily Injury Coverage:
    • $25,000 per person
    • $50,000 peraccident
  • Personal Injury Protection (PIP):
    • $4,500 per person

Uninsured/underinsured motorist bodily injury coverage: This coverage applies if you’re hurt in a car accident and the responsible party doesn’t have insurance or doesn’t have enough insurance to cover your injuries. 

Personal injury protection (PIP): Coverage for medical expenses and lost wages if you or your passengers are injured in an accident, regardless of fault. This includes necessary medical bills, lost wages, funeral expenses and loss of services. 

It’s important to understand that these coverages are just the minimum requirements, and Kansas drivers may choose higher coverage limits for added protection.

Additional Kansas car insurance coverages

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than collision. Includes damage from falling trees or rocks kicked up by other cars. 
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
  • Roadside assistance coverage: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors and getting your car unstuck from mud.
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

What affects your Kansas auto insurance rates

There are several factors that impact auto insurance in Kansas, including individual circumstances, geographical location, driving history and more. Here are some points to consider:

  • Coverage options and limits: Opting for the state-mandated minimum coverage is usually less expensive, while adding optional coverages with higher limits will increase protection and premiums. 
  • Vehicle type: Factors such as the make and model of your vehicle, its safety rating, and repair costs all influence your car insurance premiums in Kansas.
  • Claims in Kansas: Auto insurance rates may be affected by the claims filed in your state. Higher rates of accidents, theft or other incidents can lead to increased premiums for all drivers in Kansas. 
  • Weather patterns: Weather-related incidents impact Kansas car insurance rates, particularly for comprehensive coverage that includes protection against damage caused by weather.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings with Kansas auto insurance discounts

Amica offers various auto insurance discounts to help policyholders save money on their premiums.1 Here are some discounts Kansas drivers may be eligible for:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years. 
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Kansas policy premium up front.

If you’re a Kansas driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 20% with a multiline discount.1

Facts and figures about Kansas

Fun facts about Kansas:

  • The first Pizza Hut was opened by two brothers in Wichita in 1958.2
  • Cawker City is home to the world’s largest ball of twine. It weighs more than 16,000 pounds and measures over 35 feet in circumference.2
  • Opened in 1956, the Kansas Turnpike was one of the earliest toll roads in the U.S.3

Facts about driving in Kansas:

  • Kansas has a web-based driving exam called KnowTo Drive Online, allowing residents to take their written test at home.4 
  • In Kansas, deer are most active between October and December, from dawn to dusk. Keep an eye out for deer crossing signs that are placed on roadways with a high number of deer collisions.4 
  • Kansas residents can use the mobile app iKan to renew their driver’s license, vehicle registrations and more.4

How to get car insurance in Kansas

We’re here to guide you through the process of personalizing your car insurance in Kansas. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Kansas drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Kansas drivers can hit the road with confidence, knowing they’re prepared for any situation that may rise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 46 Things You Didn’t Know About Kansas
3 Kansas Turnpike Authority
4 Kansas Department of Revenue’s Division of Vehicles
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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