Best Car Insurance in Kansas (2024) Car Insurance Guide (Cheap Rates + Best Companies)

Located in the middle of the United States, the Sunflower state is home to almost three million people. Also known as the birthplace of Pizza Hut and White Castle Hamburgers, Kansas is the 15th largest state in America, but ranks as the 33rd most-populated state in the country.

With extremely flat terrain (see video below), heavily wooded prairies, and wild west countryside, Kansas boasts a tranquil and historical environment that attracts many visitors every year. The Big Basin Prairie Preserve, Monument Rocks, Rock City, and the Baldwin Woods preserve Kansas’s old fashioned atmosphere.

With almost two and a half million registered vehicles on the road and 7.2 percent uninsured, illegal drivers, one thing is certain: it is imperative to have car insurance if you own and drive a vehicle in the state of Kansas.

We know finding a good car insurance policy can be annoying and tedious at times, so that’s exactly why we decided to write this ultimate guide to Kansas car insurance.

In this guide, we will discuss important topics like types of car insurance, car insurance laws, risks and rules of the road, and much more.

How to Get Kansas Car Insurance Coverage and Rates

Car insurance is so important to have, especially when you live in a state where 7.2 percent of drivers are completely uninsured! There are many different add-ons, coverage options and endorsements available through just about every car insurance company, but how do you know exactly what kind of car insurance is right for you?

How do you know what kind of coverage you need and what kind of rate should you be paying? What car insurance company has great customer service?

If you don’t know the answers to any of these questions, not to worry we will go over all this and more in the very next section. But first, we want to acclimate you to Kansas’s car culture so you have a better idea of the types of vehicles that are often ensured the most.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What’s Kansas Car Culture like?

In Kansas, farmland accounts for more than 88 percent of the state’s area so it’s really not a surprise that most Kansas residents are farmers. Usually, farmers prefer heavy duty pick-up trucks to help them work; the Ford F150 is the most popular driven vehicle in Kansas.

Maria DeLeon writes: “The trucks partially reflect the farmer culture of the state or just people who use them as utility vehicles that come in handy.” According to The Hartford, pickup trucks are hardly the extent of car culture in the state. Many drivers who commute and live in Kansas City for work have vehicles that are more suited for city driving, leisure driving, and vehicles that have good gas mileage.

What are Kansas Minimum Coverage Requirements?

So what is minimum coverage insurance and why is it necessary? Why should you care about having minimum coverage? In the Sunflower state, every driver must have car insurance. Every driver must have a minimum amount of car insurance. This is usually called minimum liability insurance coverage.

But before we get into insurance coverage laws, let’s define what it means to be a no-fault car accident state. Kansas is one of a dozen or so states in the U.S. that has implemented a no-fault accident policy.

This means that if a driver is involved in an accident even if he or she did not cause that accident, that driver is required by law to report and file a claim with his or her auto insurance company.

Still confused?

Let’s pretend Driver A rear-ended Driver B on the highway. Driver C was also rear-ended, but Driver A caused a ripple effect when he hit Driver B.

In most states, Driver A would be responsible to cover the costs of all damages incurred from the accident for Driver B and Driver C’s vehicles. He would even be responsible to cover personal injury costs and medical bills!

A claim is a written report including details about the accident and damages that incurred from that accident. The insurance company takes the claim and pays the driver back a specific amount of money to cover the costs of the damages.

Now that we’ve explained no-fault, let’s get back to minimum coverage laws. Kansas requires all drivers to meet the following minimum insurance laws.

Liability Insurance: Bodily Injury Liability Coverage and Property Damage Liability Coverage

• $25,000 per person for bodily injury (the maximum amount payable to one person for injuries resulting from an accident caused by the policyholder)
• $50,000 per accident for bodily injury (the maximum amount payable to all people injured in an accident caused by the policyholder)
• $25,000 per accident for other parties’ vehicle damage and other property loss in an accident caused by the policyholder (does not cover damage to the policyholder’s own vehicle)

Kansas law also requires drivers to have personal injury protection coverage.

• $4,500/person for medical expenses
• $900/month for one year for disability/loss of income
• $25/day for in-home services
• $2,000 for funeral, burial or cremation expense
• $4,500 for rehabilitation expense

The Kansas Insurance Department states drivers also must have uninsured motorist coverage.

• $25,000/person
• $50,000/accident

Each of these different types of coverage protects you against different types of losses. Don’t go away! We cover losses a little later in this post.

What are the Forms of Financial Responsibility?

A form of financial responsibility requirement is just a form that states you actually have car insurance. It’s nothing fancy or confusing, it just shows a law enforcement officer that you are following the law and you are a legal driver. This is also known as proof of insurance.

Acceptable forms of proof of insurance are:

• Electronic insurance card
• Valid liability insurance ID cards
• Copy of your current auto insurance policy
• Valid insurance binder (a temporary form of car insurance)

If you are caught driving without proof of insurance, you may be given a fine. Drivers who are convicted of driving uninsured face the following penalties:

• Fines of $300-$1000 for the first violation
• Fines of $800-$2500 for subsequent violations
• Jail time of up to six months
• Suspension of vehicle registration with a reinstatement fee of $100

If you are caught without insurance, you may need to file for what is called SR-22 insurance or high-risk insurance. Having high-risk auto insurance or getting a citation for driving without proof of insurance will cause your provider to increase your rates. Long story short, always drive with proof of insurance or your insurance card.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What Percentage of Income are Premiums?

The point of this section is to give you an idea of how much of your income you could be paying towards your car insurance policy if you live in Kansas. Car insurance rates vary in different parts of the country, so it’s always good to have an idea of what you might end up paying, especially if you are thinking about moving to Kansas.

Kansas’s average per capita income in 2015 was $41,634. The same year, Kansans paid an average of $850.79 for car insurance. This means Kansas spent 2.04 percent of their total income on car insurance.

These numbers are pretty normal for people who live in surrounding states like Nebraska, Colorado, or Oklahoma.

Although, Missouri was the only state in the area with an average per capita income of under $40,000 a year. Compared to the rest of the country, the average American made $40,859.00 in 2015 and spent $981.77 on car insurance.

This means on average, American’s are spending almost $82 a month on car insurance for a pretty basic policy!

What are the Average Monthly Car Insurance Rates in KS (Liability, Collision, Comprehensive Insurance)?

The data in the table above is from the National Association of Insurance Commissioners (NAIC). These rates are from 2015, so you can bet that car insurance rates have more than likely increased since then.

The countrywide average for car insurance is $981.77. The average amount for Kansas car insurance is only $850.79 so it’s about $130 under the national average.

It’s always good (and required) to carry minimum auto insurance, but when you get into an accident, you will wish you had more.

Up next, we will talk about add-ons coverage options.

Is There an Additional Coverage in Kansas?

In most states, uninsured/underinsured insurance and personal injury protection insurance are optional, but in Kansas it is mandatory to have all three of these types of insurance.

As stated above, 7.2 percent of motorists are uninsured. That’s a scary number.

Because so many people are uninsured drivers, it’s a great thing to have this policy in your back pocket when you need it.

But why?

If uninsured motorists happen to be in an accident, they will most likely end up going bankrupt trying to pay for all the damages.

If that motorist happens to hit you and owes you money for some kind of medical bill, or you want to sue him for hitting you, you’ll never see the money that is rightfully owed to you because that motorist is uninsured or underinsured.

But what is loss ratio?

Loss ratio is how we measure how many filed claims were paid and how many were not paid.

If the loss ratio percentage is too high (over 100 percent), the auto insurance provider may end up also going bankrupt.

Bankruptcy happens because insurance companies recieve more legitimate claims than tney have funds to cover.

On the other hand, if the loss ratio percentage is too low (under 50 percent), that provider might have overpriced their policies. This means the company collected way more premium than it needed to cover the legitimate claims that policyholders submitted.

Loss ratio is important when you’re looking for a new provider. If you look at the table above, all of these percentages fall in between 50-100 percent, but this doesn’t always happen!

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Are There any Add-ons, Endorsements, and Riders?

Looking for even more car insurance? That’s a good thing. Click on the links below to get the price and learn more about each individual add-on.

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-As-You-Drive or Usage-Based Insurance

You can add one or add them. Just remember, the more insurance you have, the better.

What are the Average Monthly Car Insurance Rates by Age & Gender in KS?

Did you know your age, gender, and marital status can affect your car insurance rate? Generally, males pay more for car insurance than females do and married drivers pay less for car insurance than non-married people do.

Usually, the younger you are, the more you’ll pay for insurance. Insurance providers know that with age comes experience, and if you keep a clean record while you’re young, your rates will decrease the older you get. According to this table above, American Family Mutual has the overall cheapest rate for car insurance.

What are the Cheapest Car Insurance Rates by Zip Code in Kansas?

Where you live can also play a huge role when it comes to figuring out your car insurance rate.

Here is a list of the 25 ZIP codes in Iowa with the highest average annual car insurance rates.

And here are the 25 cheapest ZIP codes in Iowa.

Kansas City has the most expensive car insurance rate in all of Kansas which makes sense because it also is the biggest city in Kansas.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What are the Cheapest Auto Insurance Rates by Cities in Kansas?

Here’s a list of the most expensive car insurance rates by cities in Kansas.

Now let’s look at the 25 cheapest cities.

Now that we’ve discussed a few factors that decide car insurance rates, let’s discuss details about some of the best car insurance companies in Kansas.

What are the Best Kansas Car Insurance Companies?

With literally hundreds of car insurance companies out there, it can be difficult choosing just one to trust with a vehicle worth thousands of dollars. After all, it’s great to have peace of mind when you’re auto insurance company puts their money where their mouth is and comes through like Superman when you get into a serious (or not so serious) accident.

We know that you probably don’t want to spend your precious spare time sifting through car insurance provider reviews, so that’s exactly why we wanted to include a small guide to car insurance companies. We include topics like customer satisfaction ratings, companies with the most complaints, and the top ten best companies in Kansas.

Don’t go away, financial ratings are up next.

What are the Financial Ratings of the Ten Largest Car Insurance Companies?

How do we give a company a financial rating? We measure financial strength using the AM Best method.

You don’t get on this list if you’re not doing something right. All of these companies have near-perfect A scores, but check out their loss ratio percentages — they are rank somewhere between 50-100 percent. None of the companies are at risk of going bankrupt, and they are all paying a fair number of filed claims.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Which Kansas Companies have the Best Ratings?

In 2018, J.D. Power ranked car insurance companies based on overall customer satisfaction. The U.S. Auto Insurance Study examined customer satisfaction in five factors (in order of importance): interaction; policy offerings; price; billing process and policy information; and claims.

The study is based on responses from 44,622 auto insurance customers and was fielded from February-April 2018.

Besides USAA, (a company that only serves military members and their families). Shelter was ranked as the number one car insurance company for customer service in the U.S.

When you’re in a jam, it’s important to have great people on the other side of the phone who you know have your best interests at heart.

Which Companies have the Most Complaints in Kansas?

It’s not bad to get complaints. Even the best companies receive them. How a company handles a complaint is what really matters.

Don’t get discouraged by these numbers. At best, they are minimal.

Which are the Cheapest Car Insurance Companies in Kansas?

Below is a list of the top ten cheapest car insurance companies in Kansas.

According to this list, American Family Mutual is quoted with the cheapest rates.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What are the Commute Rates by Companies?

How far you drive can also affect your car insurance rate.

Some car insurance companies will jack up your rate hundreds of dollars for driving more miles. This is because car insurance companies know that more time on the road means you are more likely to get into a car accident.

What are the Auto Insurance Coverage Level Rates by Companies?

Some companies may cut you a break on your rate if you add more options to your basic policy.

Check out this first company Allied NW Affin PPBM. They actually charge more money for lower coverage than they do for higher coverage.

What are the Credit History Rates by Companies?

Your credit score is another major factor that can affect your car insurance rate.

If you have a poor credit history, car insurance companies could raise your rate by hundreds of dollars. On the other hand, if you keep a good credit score, your rates will most likely be on the lower side.

According to Experian, Kansas residents had an average credit score of 680. This score is five points higher than the national average.

Travelers really punishes you for bad credit – their average rate for someone with bad credit is about $4,000 more expensive.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What are the Driving Record Rates by Companies?

Probably the most popular factor and the one the matters the most when trying to figure out your car insurance rate is your driving record.

If you get into just one accident or get one speeding citation, your rates can increase hundreds, if not thousands of dollars.

Keep your driving record clean and insurance companies will see that you are a good driver and you’re less likely to be involved in fatal accidents.

What’s the Number of Insurers in Kansas?

Below is a table highlighting the number of licensed insurers in Kansas.

What’s the difference between domestic and foreign insurance?

Domestic insurance laws are formed under the laws of the state of Kansas. Foreign laws are formed under the laws of the United States.

What are the Kansas State Laws?

With literally thousands of state laws, it’s near impossible to learn and know all of them. In this section, we don’t want to cover every Kansas state law, but we do want to make sure we discuss all of Kansas’s driving laws and laws as they pertain to car insurance.

If you get pulled over and receive a citation for doing something you didn’t know was against the law, an excuse that you didn’t know you were breaking the law isn’t going to cut it.

To help stay safe and avoid fines while driving on Kansas roads, please read the section below. No one wants their hard-earned money going towards something they could have avoided in the first place.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What are the Car Insurance Laws?

First, let’s talk about car insurance laws. How are car insurance laws determined? Who decides how much car insurance should cost?

According to the NAIC, state laws have considerable influence on auto insurance. Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

In addition, the states have enacted varying auto seat belt requirements, drunk driving laws, and maximum speed limits. Kansas uses a system called form filing. This means that rates/forms must be filed with the state insurance department prior to their use. There is a 30 day waiting period before the form can be put into effect.

How to Get Windshield Coverage

Some states have laws that protect drivers from having to pay to fix a broken windshield. But unfortunately for Kansans, this is not a law. Even though it’s not a law, individual insurance companies may offer this service to be included with comprehensive coverage.

When this feature is included in your insurance policy, there are some laws the insurance company must follow regarding windshield repairs.

• Insurance company chooses if using aftermarket parts that are of like kind and quality
• Insurance company may choose repair vendor

How to Get High-Risk Insurance

If you’ve recently been involved in an accident, you may have what is called high-risk insurance or SR22 insurance. SR22 is a document often required by a state’s Department of Motor Vehicles (DMV) proving that a driver is carrying the state’s required minimum amount of vehicle liability insurance.

According to the DMV, a “high-risk driver” is one who has a higher potential of filing a claim on his or her car insurance than the average driver.

Car insurance companies often see high-risk drivers as undesirable, as they may end up costing them more than they make in the end. There are several reasons why an auto insurance carrier might consider you high-risk. There is no uniform definition as to what exactly a high-risk driver is.

You may be required to purchase high-risk insurance if you have been convicted of the following:

• Excessive speeding
• Illegal street racing
• Driving without a license
• Reckless driving
• Any traffic violation that results in a fatality

Be aware that some insurance companies may refuse to cover you if you need SR22 insurance.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

How to Get Low-Cost Insurance

Unless you live in California, New Jersey, or Hawaii, you will not qualify for a low-income government-assisted car insurance plan. But don’t be discouraged by this — there are still more ways to save on your policy.

Ask your provider if you qualify for any of the following discounts:

• Military discount
• Good driver discount
• Homeowner’s discount
• Student discount
• Multi-car discount

Is There an Automobile Insurance Fraud in Kansas?

What is auto insurance fraud and how can you commit fraud in Kansas?

According to the IIHS, Insurance fraud can be “hard” or “soft.” Hard fraud occurs when someone deliberately fabricates claims or fakes an accident.

Soft insurance fraud, also known as opportunistic fraud, occurs when people pad legitimate claims, for example, or, in the case of business owners, list fewer employees or misrepresent the work they do to pay lower premiums for workers compensation.

The IIHS also says that the Insurance Research Council reported that “Auto insurance fraud and claim buildup added between $4.9 billion and $6.8 billion to auto injury claim payments in 2007.”

Don’t want to be under investigation for auto insurance fraud? Don’t pad your claims or stage an accident. Be aware that committing insurance fraud could cost you hundreds or thousands of dollars in fines and jail time.

What’s the Statute of Limitations?

In the state of Kansas, you have a certain amount of time after an accident to file a claim with your insurance company. This law is set in place to protect both the insurance company and the client.

You have one year to file a personal injury claim and two years to file a property damage claim. This means you have one year from the day of your accident to file a personal injury claim and two years from the day of your accident to file a property damage claim.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What are the Kansas State-Specific Laws?

There are quite a few state-specific driving laws in the state of Kansas, but what is even stranger is that there city-specific driving laws in Kansas as well.

Below are two laws pertaining to Derby, Kansas:

• Persons may not “screech” their tires while driving. If caught, the driver could pay a $500 fine.
• Riding a llama down any road is against the law

In Russell, Kansas, musical car horns are banned. In Salina, Kansas, it is against the law to leave your car running unattended. In Topeka, it is illegal to drive one’s car through a parade.

In Wichita, before proceeding through the intersection of Douglas and Broadway, a motorist is required to get out of their vehicle and fire three shotgun rounds into the air.

In Kansas City, a permit is required to shave while driving and it is illegal to honk another person’s horn.

What are the Vehicle Licensing Laws?

Have you ever heard of a REAL ID?

To get a REAL ID, you must show your valid birth certificate or U.S. Passport and your social security card. By the year 2020, drivers who want to fly domestically will be required to carry a REAL ID to get through airport security.

You will not need a REAL ID to vote.

What are the Penalties for Driving Without Insurance?

Because it is against the law for any driver in Kansas to drive without insurance, there are penalties for drivers who are caught driving without insurance.

If you are caught driving without insurance the first time, you could receive the following penalties:

• Fine: $300 to $1000
• Confinement in jail of up to six months
• License/registration suspension
• Reinstatement fee: $100

If you are caught driving without insurance a second time, you could receive the following penalties:

• Fine: $800 to $2500 within three years
• License/registration suspension
• reinstatement fee: $300 if revoked within the previous year, otherwise $100

Remember, if a law enforcement officer asks you to show proof of insurance, you must be ready and willing to show it.

Acceptable forms of proof of insurance are:

• Valid liability insurance ID cards
• Copy of your current car’s insurance policy
• Valid insurance binder (a temporary form of car insurance)
• Picture of proof of insurance on your smartphone

The penalties for driving without car insurance are much more expensive than it costs to purchase car insurance in the first place! If you are in a car accident, you can and will most likely go bankrupt from attempting to pay the insurance costs of property damage and medical bills.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What are the Teen Driver Laws in Kansas?

At just 14 years old, you are able to go to driving school and get a driver’s permit in the state of Kansas.

You must be at least 16 years old to apply for a restricted license.

What are the Driver License Renewal Procedures?

All Kansas drivers under the age of 65 must renew their license every six years. If you are a driver over the age of 65, you must renew your license every four years.

Proof of adequate vision is required for every driver young and old at every renewal. Drivers may not renew their license through the mail or online.

If you live in Kansas, you must renew your license in person at the Department of Motor Vehicles every single time. Maybe that law will change soon, but for now, make an appointment and renew your license in person.

What’s the Procedure for New Residents?

Moving somewhere in Kansas from another state? You must live in Kansas for 90 days before establishing residency. When applying for a Kansas driver’s license, you must bring proof of residency and identity and your out-of-state license with you to the DMV.

You can get a new driver’s license at your local Kansas Driver’s Licence Station. Unfortunately, services are not available online.

New Kansas drivers must also make sure to contact their insurance provider to update their insurance policy. Minimum liability insurance requirements are as follows:

Liability Insurance:

• $25,000 per person for bodily injury (the maximum amount payable to one person for injuries resulting from an accident caused by the policyholder)
• $50,000 per accident for bodily injury (the maximum amount payable to all people injured in an accident caused by the policyholder)
• $25,000 per accident for other parties’ vehicle damage and other property loss in an accident caused by the policyholder (does not cover damage to the policyholder’s own vehicle)

Kansas law also requires drivers to have personal injury protection insurance.

• $4,500/person for medical expenses
• $900/month for one year for disability/loss of income
• $25/day for in-home services
• $2,000 for funeral, burial or cremation expense
• $4,500 for rehabilitation expense

The Kansas Insurance Department states drivers also must have uninsured/underinsured insurance.

• $25,000/person
• $50,000/accident

Looking for more ways to save on your insurance policy? Use our free tool and enter your zip code in the box below to get started.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What does Negligent Operator Treatment System mean?

As stated by the Kansas City Attorneys, reckless driving is a misdemeanor criminal offense. The law states, “Any person who drives any vehicle in willful or wanton disregard for the safety of persons or property is guilty of reckless driving.”

This statute is open to interpretation on the part of the responding officer and could be charged when an accident has occurred and the cause of it is not obvious after the fact.

Penalties for reckless driving in Kansas are as follows:

• First offense: not less than five days nor more than 90 days of imprisonment, or fined not less than $25 nor more than $500, or both imprisonment and fine.
• Subsequent offenses: not less than 10 days nor more than six months of imprisonment, or fined not less than $50 nor more than $500, or both imprisonment and fine.

If you are caught driving in a reckless manner, by law, your insurance company will find out. Your insurance rates will increase and you’ll be stuck paying fines. Keep a clean record and avoid reckless driving and you’ll have an affordable car insurance rate.

What are the Rules of the Road?

How do you expect to avoid fines and traffic citations if you do not know the rules of the road? In this next section, we want to discuss topics like seat belt and car seat laws, ridesharing laws, automation, and more.

If you are unfamiliar with Kansas’s rules of the road, pay attention because this next section is for you! Up next we’ll refresh your memory about at-fault and no-fault states.

Is Kansas at Fault or No-Fault State?

We previously talked about the difference between at-fault states and no-fault states. Kansas is a no-fault state. This means that when drivers get into an accident, every driver involved in that accident is required to file a claim with his or her own insurance company.

At-fault states require the driver who caused the accident to be responsible (at-fault party) to cover the costs of all damages and medical bills resulting from that accident. This is another reason why car insurance is important to have.

In no-fault states like Kansas, drivers need to make sure they are always covered by their insurance company — especially when they are involved in an accident they didn’t cause.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What are the Seat Belt and Car Seat Laws?

Kansas wants all drivers to be safe while on the road. Look below at some of the Kansas seat belt laws.

Kansas has strict car seat laws and child safety. Keep reading to find out more.

There are also laws against riding in the cargo area of a vehicle, i.e., the back of a pick-up truck.

If you are in a car accident and you were riding in the back of a pick-up truck, insurance will not cover you if the following applies:

• People 14 and older
• parades
• employment
• does not apply to vehicles not being operated in the state highway system or within the corporate limits of a city

Breaking these laws can cost you up to $60 in fines plus fees. Keep yourself and your kids safe while driving an buckle up!

What are the Keep Right and Move Over Laws?

Usually, if you’re a slow driver, you need to keep to the right of the road. Kansas state law is a little bit different. Drivers are still required to keep right, but left lane driving is only allowed for passing or for turning left.

Are these laws still applicable when it comes to emergency vehicles?

AAA says “Kansas state law requires drivers approaching a stationary emergency vehicle displaying flashing lights, including towing and recovery vehicles, traveling in the same direction, to vacate the lane closest if safe and possible to do so, or slow to a speed safe for road, weather, and traffic conditions.

The law also applies to waste collection vehicles.”

What are the Speed Limit Laws?

Listed in the table below are the maximum speed limits for the state of Kansas. If you’re not paying attention to these limits, you run the risk of getting a traffic citation.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

How does Ridesharing Work?

Ridesharing insurance is necessary when you work for a company like Uber or Lyft. When driving people around is your job, insurance companies know that because you are on the road more often than normal, you are more likely to get into an accident.

Not many insurance companies in Kansas provide ridesharing insurance, however, these top providers do offer it:

• USAA
• Farmer’s
• Geico
• American Family
• State Farm

Keep in mind that each one of these insurance carriers offers something different, so if you’re thinking about becoming a personal driver, make sure to shop around for the policy that fits your needs the most.

Is There an Automation on the Road?

What is automation? The IIHS defines automation as a vehicle that involves using radar, camera, and other sensors to perform parts or all of the driving tasks on a sustained basis instead of the driver. One example is adaptive cruise control, which continually adjusts the vehicle’s speed to maintain a set minimum following distance.

Features such as automatic braking, which acts as a back-up if the human driver fails to brake, or blind spot detection, which provides additional information to the driver, aren’t considered automation under this definition.

Currently, Kansas does not have any laws about using automation on the road, and the state is not yet testing advanced automated vehicles.

What are the Safety Laws?

Safety laws are one of the most important types of laws to know when you are driving on the road. Knowing safety laws can help you avoid accidents and injuries. In this next section, we will go over DUI laws, distracted driving laws, laws about cell phone use, and more.

Stay tuned. DUI laws are up first.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What are the DUI Laws?

It’s a serious crime to drink and drive in Kansas. If you breathe a .08, you are over the legal limit.

Obviously, there are different degrees of penalties for driving drunk. The penalty will be worse if you’ve been convicted of drinking and driving more than one time.

In 2017, there were 102 alcohol-impaired fatalities resulting from drunk driving. Don’t drink an drive.

If you get caught just one time, you will surely face license suspension, jail time, have to pay an expensive fine, and you might even need to take a driving class — not to mention every time you drink and drive you are risking your life and other people’s lives around you.

What are the Marijuana-Impaired Driving Laws?

There aren’t any specific laws about using marijuana while driving in Kansas, however, you can get pulled over for what is called “impaired driving”. If you look like you’re under the influence of drugs while driving, a law enforcement officer may get suspicious and pull you over.

If you are convicted of impaired driving, you may have to pay fines and face jail time.

What are the Distracted Driving Laws?

Technology has come a very long way, but it has also caused a couple of issues while in the hands of a distracted driver. In the state of Kansas, texting and driving is illegal – it doesn’t matter if you’re a new driver or if you’re a professional driver. If you are caught texting and driving, you will be penalized.

Recent studies have shown that the effects of texting and driving can be worse than drinking and driving.

Save a life. Don’t text and drive! It’s just not worth a lifetime of guilt.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What’s Driving in Kansas like?

Now that we’ve gone over car insurance laws, safety laws, and rules of the road, it’s time to get into the risks of the road. It can be difficult trying to investigate all of the dangers and risks of the road, but if you know what they are, you are less likely to be involved in an accident.

In this section, we want to cover topics like vehicle theft, fatality causes, and traffic congestion. If you haven’t paid attention so far, it’s time to buckle up and read through these next few points as they could save your life and save you some money in the long run. Don’t go away! We want to discuss vehicle theft first.

Is There a Vehicle Theft in Kansas?

Below is a table showing the top ten most stolen vehicles in Kansas.

According to this list, the 1999 Chevy pickup is the most frequently stolen vehicle in Kansas.

The data from the table below is pulled directly from the FBI. Vehicle theft is clearly more common in some cities than it is in others. Find your city on the list and see how many vehicle thefts there were in the year 2016.

FBI Theft Stats in Kansas

What’s the Number of Road Fatalities in Kansas?

It’s time to get into a topic that is a little more serious: road fatalities. What causes them? Is it the weather? Do impaired drivers cause the most traffic fatalities? Is it EMS response time? What can we do to prevent them?

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What’s the Number of Fatal Crashes by Weather Condition and Light Condition?

According to the data above, most of these fatal crashes happened in broad daylight. Some happened at night in the darkness. For the most part, the weather really didn’t have an effect on traffic fatalities in Kansas.

Read more: 10 Worst States for Daylight Saving Time Fatal Crashes (New Study)

What’s the Number of Fatalities (All Crashes) by County?

Some fatal crashes happen more often in some counties than they do in others. This factor could be based on location. Some counties might be farther away from emergency services than others and help takes longer to arrive.

What’s the Number of Traffic Fatalities Rural vs Urban?

To our point in the section above, there are many more fatalities in rural areas than there are in urban areas.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What’s the Number of Fatalities by Person Type?

What kinds of vehicles are most often involved in traffic fatalities?

What’s the Number of Fatalities by Crash Type?

Did the crash type have anything to do with the number of traffic fatalities in Kansas?

According to this data, fatalities happened the most when a roadway departure was involved.

5 Year Fatality Trend For The Top 10 Counties

Here’s a list showing the five-year fatality trend for the top ten counties in Kansas.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What’s the Number of Fatalities Involving Speeding by County?

Speeding is always a big factor when it comes to traffic fatalities.

What’s the Number of Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County?

Drinking and driving is one the biggest reasons anyone dies while driving. There were 102 alcohol-impaired fatalities in 2017 in Kansas.

What’s the Number of Teen Drinking and Driving?

Teenagers drivers are already new at driving – but mix that lack of experience with a little bit of alcohol and bam! You’re asking for trouble.

Kansas is ranked 27th in the U.S. for under-21 teenage drinking and driving arrests. In 26 states, under-21 alcohol-impaired driving fatalities per 100,000 population were at or below the national average of 1.2 deaths per 100,000 population. Kansas was one of these states with a fatality rate of .8 deaths per 100,000 population.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What’s the EMS Response Time?

Arriving at trauma scene seconds too late or seconds too early can mean almost always mean the difference between life and death.

Almost always, it takes longer to get to a victim who is in a rural area. This is because there aren’t as many emergency service locations located in places like rural areas as there are in more populated areas like cities and urban areas.

Don’t be discouraged by these statistics! The EMS response time in Kansas is still one of the fastest times in the country.

What’s Transportation like?

Have you ever wondered how many cars your neighbors own?

What’s the Percentage of Car Ownership?

According to Data USA, the following chart displays the households in Kansas distributed between a series of car ownership buckets compared to the national average rates for each bucket. The largest share of households in Kansas have 2 cars, followed by 3 cars.

The orange bars above display the average for Kansas while the gray bars show the U.S. average.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What’s the Average Commute Time?

Using averages, employees in Kansas have a shorter commute time (18.2 minutes) than the normal US worker (25.5 minutes). Additionally, 1.28% of the workforce in Kansas have “super commutes” in excess of 90 minutes.

What’s the Preferred Commuter Transportation?

Driving alone when commuting to work is the most common method of travel in Kansas.

Carpooling is also one of the more popular ways to travel in Kansas. (For more information, read our “Carpooling: Saving Time, Money, and the Planet“).

Is There a Traffic Congestion in Kansas?

According to Inrix, Wichita, Kansas is the 62nd most congested city in the U.S.

Now that you’ve read through this extensive guide about Kansas car insurance, it’s time to start shopping for your own car insurance policy.

To get started, use our free tool by entering your zip code in the box below.

Happy shopping.