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Kansas Car Insurance
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Common questions about Kansas auto insurance
Need car insurance in Kansas? Whether you live in Wichita or Kansas City, Liberty Mutual can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Kansas auto insurance, so you only pay for what you need.
What car insurance is required in Kansas?
In Kansas, it's illegal to drive without insurance. Drivers in Kansas are required to have
- Bodily Injury to others
- Property Damage Liability
- Uninsured/Underinsured Motorist Coverage
- Personal Injury Protection
Here are the minimum auto insurance limits drivers must have in Kansas.1
Coverage | Amount |
|---|---|
| Bodily Injury to others | $25,000 per person and $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
| Uninsured Motorist Bodily Injury Coverage | $25,000 per person and $50,000 per accident |
| Underinsured Motorist Bodily Injury Coverage | $25,000 per person and $50,000 per accident |
| Personal Injury Protection (PIP) | $4,500 per person |
Check out the Kansas Department of Motor Vehicles for more details.
Is Kansas considered a no-fault insurance state?
Yes, Kansas is a modified no-fault insurance state. In general, "no-fault" means that each person uses their own insurance to cover any injury related medical bills and costs due to an auto accident. In KS, this coverage is called Personal Injury Protection (PIP) and can be used regardless of fault. The minimum required is $4,500 per person.
PIP coverage in Kansas includes
- $4,500 per person for medical expenses
- $900 per month for one year for disability/loss of income
- $25 per day for in-home services
- $2,000 for funeral, burial or cremation expense
- $4,500 for rehabilitation expense
- Survivor Benefits: Disability/loss of income up to $900 per month for one year
- In-home services up to $25 per day for one year
Because KS is a modified no-fault insurance state, you may be able to also file a claim for pain and suffering against the at fault driver. There are restrictions, and you must have at least one of these situations as a result of the accident
- Medical expenses of at least $2,000
- Sustained a fracture to a weight-bearing bone
- Loss of a body part
- Permanent loss of a body function
- Significant scarring or permanent disfigurement
- Permanent injuries
- A displaced, comminuted, compression, or compound fracture
- Wrongful death
You should keep all these things in mind when you choose your coverage.
What is the average cost of car insurance in Kansas?
The average cost of car insurance in Kansas was $1,6472 per year in 2021 according to thezebra.com. That's 8% higher than the national average. Of course, your auto insurance cost will depend on many different factors including age, where you live, and driving history.
Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Kansas auto insurance with a customized policy so you only pay for what you need.
What Kansas car insurance coverage is right for you?
All Kansas drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Kansas car insurance to get the coverage that fits you. See all of our auto coverage options.
What is the best car insurance in Kansas?
Liberty Mutual knows everyone has different needs for their Kansas auto insurance. Some may want the cheapest Kansas car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Kansas car insurance, so you only pay for what you need.
Who has the cheapest car insurance in Kansas?
Getting the cheapest car insurance in Kansas sounds great but it could cost you when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.
A Liberty Mutual auto insurance policy can cost less than you think.3
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate