Auto insurance is an important purchase, but finding cheap car insurance in Kansas isn\u2019t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.<\/p>
Kansas isn\u2019t the most expensive state for auto insurance, but its extensive coverage standards make it pricier than many of its neighbors. The cheapest car insurance company in Kansas is Shelter at $1,182 per year on average, or $98 per month. Meanwhile, the average cost of full coverage car insurance in Kansas is $2,290 per year, or about $191 per month.<\/p>
Minimum coverage is $631 per year on average, but you can likely get a cheaper policy. For example, State Farm offers the cheapest rates at $249 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.<\/p>
There are many types of car insurance; some are optional, and some are mandatory, depending on where you live. Understanding insurance types will help you find a suitable policy to protect yourself and your passengers in an accident. Here are the most common types of car insurance:<\/p>
Liability coverage is a mandatory requirement for drivers in most states. It compensates others when you\u2019re at fault for an accident that causes injuries, damage, or death. Auto liability insurance can also cover your legal expenses if another driver sues you for an accident you cause.<\/p>
There are two forms of auto liability insurance: Bodily injury liability pays for the other driver\u2019s medical expenses, while property damage liability coverage pays for vehicle repairs.<\/p>
Uninsured motorist insurance covers you in an accident with an uninsured driver, while underinsured motorist insurance reimburses you if the at-fault driver\u2019s policy is inadequate to cover your injuries or vehicle damages. UM and UIM usually pay for your medical expenses and those of your passengers in an accident.<\/p>
In some states, the coverage can also pay for vehicle damages, lost wages, and funeral expenses in case of death.<\/p>
Collision coverage can help repair or replace your vehicle if you hit another vehicle or an object. Conversely, comprehensive insurance pays for non-collision occurrences, including vandalism, hail, storms, floods, earthquakes, or falling objects. Collision and comprehensive coverage are optional in all states, although lenders may require them if you\u2019re financing or leasing a car.<\/p>
Personal injury protection covers the injuries you and your passengers sustain in an accident. It also covers lost wages, funeral expenses, survivor benefits, rehabilitation, and replacement costs for accident victims. PIP is also known as no-fault insurance because it covers accident-related expenses regardless of who\u2019s at fault.<\/p>
PIP is part of the\u00a0no-fault insurance laws\u00a0and is mandatory in Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah. Some other states allow you to purchase optional PIP coverage.<\/p>
Kansas has some of the most extensive car insurance requirements of any state. Policies must include liability insurance, uninsured and underinsured motorist coverage and personal injury protection in the following amounts:<\/p>
That\u2019s enough to drive legally, but you may want more than the minimum coverage. If you\u2019re in an accident that causes bills higher than these amounts, you\u2019ll have to pay the rest on your own.<\/p>
Because insurance coverage rates are slightly cheaper in Kansas than the national average, you have a good chance of finding great car insurance in Kansas at excellent rates.<\/p>
Here, we\u2019ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers and coverage options.<\/p>
When looking for car insurance in Kansas, drivers can expect to find that providers will offer a variety of different discounts. Each provider is unique in their exact offerings, however, there are some typical discount offerings that most companies will offer. The table below will highlight the types of discounts the top providers in Kansas offer, with a breakdown below.<\/p>