At HomeInsurance.com, our customers know that we are not just home insurance. We offer some of the most competitive auto insurance rates and home and auto insurance discounts available. Finally, finding competitive, low cost car insurance quotes in Kansas does not have to be a chore. Fill out one form and our licensed agents will match you with the Kansas auto insurance provider that offers the best rate for your vehicle and your drivers.
Did you know? The average Kansas auto insurance premium in September 2011 was $1,171.00 for a 12-month policy. It appears that rates have decreased since August 2011 when average rates in Kansas were around $1,172.00 for a 12-month policy.
Average Premiums for Auto Insurance In Kansas |
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| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $1171.00 | $1172.00 | $1207.00 | $1218.00 | $1175.00 |
Though rates have decreased in recent months, it’s important to continue to save money and find great coverage on Kansas auto insurance. Be sure to ask your Kansas car insurance agent about a Home-Auto Discount which can save you up to 25% or more on your home and auto insurance. Also, check your coverages on a regular basis to make sure you have enough auto insurance coverage in the event of a accident or other claim.
Kansas Auto Insurance Coverage Requirements
Bodily Injury: Kansas drivers are required by law to carry a minimum of $25,000 of bodily injury coverage with a maximum of $50,000 per accident. Bodily injury coverage provides for lost wages, funeral expenses and medical expenses in the event of an accident where injuries are sustained.
Property Damage: Drivers in Kansas must carry a minimum of $10,000 in property damage liability coverage for every owned vehicle. This coverage protects drivers from damages caused to private and public property damaged in an accident.
Kansas Recommended Coverages
- Uninsured/Underinsured Motorist Coverage- a type of insurance which pays for the damages caused by uninsured and underinsured drivers.
- Comprehensive and Collision Coverage- a type of insurance coverage which pays for damages caused by storms and other natural disasters
Another way to save money on Kansas car insurance premiums is to take advantage of auto insurance discounts that can save you money in your area. Read more about the Kansas Home-Auto Discount.
Auto Insurance Tools and Tips:
- Auto Insurance Quiz- Why do you really pay what you do for auto insurance? Quiz yourself!
- Teen Driver Contract- Download our free teen driver contract and start protecting your teens on the road today.
- Car Insurance RateReport: See how your premiums add up against other drivers in the country with our interactive RateReport map.
Kansas Most Stolen Vehicles
Some specific vehicle models are known for being more commonly stolen than others. Owning one of these vehicles may affect your auto insurance rates. Check out the most commonly stolen vehicles in Kansas:
The Top 10 Most Stolen Vehicles in Kansas
Rank |
Year |
Vehicle |
1 |
1992 |
Chevrolet Full Size C/K 1500 Pickup |
2 |
1992 |
Honda Accord |
3 |
1998 |
Ford F150 Series |
4 |
1998 |
Dodge Ram Pickup |
5 |
1997 |
Ford Taurus |
6 |
1999 |
Jeep Cherokee/Grand Cherokee |
7 |
2000 |
Dodge Intrepid |
8 |
1999 |
Dodge Caravan |
9 |
1994 |
Oldsmobile Cutlass |
10 |
1999 |
Pontiac Grand Am |
Source: © 2007 National Insurance Crime Bureau.
Kansas Driver Licensing Rules/Regulations:
Laws about licensing new drivers vary per state and are unique in Kansas. Drivers shopping for Kansas teen auto insurance should review the laws regarding young drivers in their state. A summary of Kansas young driver and driver licensing regulations are listed below, as per the Insurance Institute for Highway Safety (IIHS):
| To earn a Kansas learners permit you must be of this minimum age: | 14 |
| Before getting a Kansas drivers license you must have a learners permit for: | 12 months |
| Also, you must have this minimum amount of supervised driving time: | 25 hours, in learner phase; 25 hours before age 16; 10 of the 50 hours must be at night |
| To earn a Kansas driver's license you must be of the minimum age: | 16 |
| During your restricted license stage, you are not allowed to drive between: | 9 pm-5 am |
| Also, you are required to comply with the following passenger restrictions: | first 6 months - no more than one passenger younger than 18 |
| The minimum age at which your restricted nighttime hours may be lifted in Kansas is: | 16, 6 months |
| The minimum age at which your passenger restrictions may be lifted in Kansas is: | 16, 6 months |
Shop HomeInsurance.com for the lowest rates and best coverage for your vehicles. Simply enter your zip code above to start your customized car insurance quote and let our auto insurance agents qualify you for all available discounts in Kansas.
Search for auto insurance in your Kansas county:
- Allen
- Anderson
- Atchison
- Barber
- Barton
- Bourbon
- Brown
- Butler
- Chase
- Chautauqua
- Cherokee
- Cheyenne
- Clark
- Clay
- Cloud
- Coffey
- Comanche
- Cowley
- Crawford
- Decatur
- Dickinson
- Doniphan
- Douglas
- Edwards
- Elk
- Ellis
- Ellsworth
- Finney
- Ford
- Franklin
- Geary
- Gove
- Graham
- Grant
- Gray
- Greeley
- Greenwood
- Hamilton
- Harper
- Harvey
- Haskell
- Hodgeman
- Jackson
- Jefferson
- Jewell
- Johnson
- Kearny
- Kingman
- Kiowa
- Labette
- Lane
- Leavenworth
- Lincoln
- Linn
- Logan
- Lyon
- Marion
- Marshall
- Mcpherson
- Meade
- Miami
- Mitchell
- Montgomery
- Morris
- Morton
- Nemaha
- Neosho
- Ness
- Norton
- Osage
- Osborne
- Ottawa
- Pawnee
- Phillips
- Pottawatomie
- Pratt
- Rawlins
- Reno
- Republic
- Rice
- Riley
- Rooks
- Rush
- Russell
- Saline
- Scott
- Sedgwick
- Seward
- Shawnee
- Sheridan
- Sherman
- Smith
- Stafford
- Stanton
- Stevens
- Sumner
- Thomas
- Trego
- Wabaunsee
- Wallace
- Washington
- Wichita
- Wilson
- Woodson
- Wyandotte
For additional information about specific auto insurance laws in Kansas, visit the Kansas Insurance Department website.
