How to Find the Most Affordable Car Insurance in Kansas

Fran
Lucy Lazarony
November 3, 2020

In Kansas, the average cost of a yearly car insurance premium is $1,622, which is $74 higher than the national average. The folks in Kansas could use a better deal on car insurance. And we can show them how to get one with tips and strategies to lower your auto insurance premiums. And we’ll discuss them a little later on. But first let’s take a closer look at car insurance in Kansas.

Minimum State Requirements

If you ever cause a car crash, liability insurance pays for other people’s injuries and property damage, up to your liability limit. Each state has minimum liability requirements for drivers in their state.

For Kansas, the minimum liability requirement is $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability coverage per accident and $25,000 property damage liability coverage per accident. This minimum liability coverage costs $480, on average, per year.

Uninsured motorist coverage helps you pay for damages caused by a driver who doesn’t have insurance. For Kansas, the uninsured motorist coverage requirement is $25,000 per person and $50,000 per accident. Also known as no-fault insurance, Personal Injury Protection (PIP) coverage pays the cost of lost wages and medicals up to the policy limit. For Kansas, PIP coverage is $4,500 per person, $900 per month income loss for one year, $25 per day at home services, $4,500 rehabilitation expense and $2,000 funeral expense per person.

A Full Policy Costs More

Choosing a full policy with collision coverage and comprehensive coverage and $1,000 deductibles would cost an average of $1,199. Collision insurance is coverage that helps to repair or replace your car if it’s damaged in an at-fault accident with another vehicle or with an object such as a fence or a tree. Comprehensive auto insurance covers events that aren’t covered by collision coverage. These events include fire, theft, vandalism and damages from weather such as a hailstorm, a windstorm, a hurricane and a tornado.

If you have a loan on your car, there is a good chance your lender will require you to carry both collision insurance and comprehensive insurance. A deductible is the amount you need to pay before your auto insurance company begins to pay damages to your car or losses. Both collision insurance and comprehensive insurance come with deductibles. Choosing a high deductible is one way to lower an auto insurance premium.

Cheapest and Most Expensive Cities

In Kansas, the city with the cheapest auto insurance is Salina with an average annual premium of $1,435. The city with the most expensive auto insurance is Dodge City with an average annual premium of $1,907. Salina is located in north central Kansas and is home to multiple colleges. Dodge City is located in southwest Kansas and used to be a frontier town in the Old West.

How to Save Money on Car Insurance

Looking for a lower auto insurance premium in Kansas? These tips and strategies will show how. Here’s a roundup of the best tips. Use as many as you can to save money.

Be a safe driver. Being a safe driver and following the rules of the road can save you money on your car insurance premium. In Kansas, drivers without a moving violation typically save 16 percent on their car insurance premiums. But break the rules and you will pay the price with higher premiums. In Kansas, car insurance premiums typically increase by 24 percent after a DUI, 26 percent after an at-fault accident and 16 percent after a speeding ticket. If you’ve been a good driver be sure to reach out to your auto insurance company and let them know. You’ve earned a good driver discount.

Bundle your policies. Bundle your auto policy with another insurance policy such as homeowners insurance or even business insurance and save money.

Insure more than one car. Insure more than one car with the same insurance company. Doing so will save you money on your premiums with a multi-car discount.

Pay once or twice a year. Rather than paying monthly auto insurance bills pay the annual amount or the six-months amount. Your premium is lower when you pay just once or twice a year.

Have anti-theft and safety devices. Having certain anti-theft or safety features on your car can save you money on your car insurance. Check with your car insurance company to find out if the anti-theft and safety features on your car will earn you a discount.

Check memberships. Being a member of particular professional organizations and affiliates will earn you discounts on your car insurance premium. So check the memberships in your wallet and ask your car insurance company if you are due any discounts.

Insure less on older cars. The maximum payout for collision coverage and comprehensive coverage is limited by the value of the car. So if your older car has a low market value, it may not make financial sense to carry collision and comprehensive coverages any longer.

Be older than 25 and younger than 65. Older and younger drivers have more serious accidents and pay more for their car insurance. The drivers of the ages in-between pay less.

Be a woman. Women make fewer accident claims than men and are rewarded with lower auto insurance rates. Men make more accident claims and pay more.

Have good credit. Having good credit will lower your auto premium. And the opposite is also true, have poor or no credit and you will pay much more for insurance. Insurance companies have been using consumer credit data to assign risk pools and set insurance rates since the mid-1990s. And the better your credit the better the deal you will get on your auto insurance policy. Got bad credit? You can turn it around. Get current on all your past due accounts, pay down debt and stop taking on new debt will help to improve your credit score.

Get married. If you are married, you will pay less for car insurance. There is a correlation between being married and exhibiting safe driving behavior. Because of this, married drivers pay less for auto insurance than singles.

Be a low-mileage driver. If you drive a heavy commute to work and rack up the miles, you will pay more for your auto insurance. But if you drive low miles each year you will pay less for auto insurance. So drive less and pay less for auto insurance.

Maintain your insurance coverage. You’ll pay higher insurance rates if you don’t maintain continuous coverage of your auto insurance. So stick with your insurance coverage and save money.

Choose a high deductible. As mentioned earlier, choosing a high deductible will help to lower your auto insurance premium. Just be sure to put the deductible amount in a small emergency fund. That way the money will be there should you need it to make a claim.

Choose a safe neighborhood. If your neighborhood has a high number of accident claims and auto theft, you will pay more for your car insurance. If, however, your neighborhood has low accident claims and low crime, you will save money on your car insurance. So choose a safe neighborhood and save money.

Buy a house. Statistics show that people who own homes drive more safely. So let your insurance company know that you own your own home and enjoy the savings on your auto insurance premium.

Shop around. The best way to save money on car insurance is to shop around. And you will want to get insurance quotes from several insurance companies. SmartFinancial makes it easy to do. Just enter the type of insurance you are looking for and a zip code to get started.

Answer a few, simple questions and you’ll be comparing auto insurance rates in Kansas in no time.

SmartFinancial has access to more than 200 insurance companies. So you are bound to find the insurance coverage and price that you want.

So shop smart for insurance and drive safely along the roadways of Kansas.

Get a Free Auto Insurance Quote Online Now.

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