Kansas Auto Insurance: Wrx Costs And Coverage

The cost of auto insurance in Kansas depends on several factors, including age, location, driving record, and credit score. The average cost of full coverage car insurance in Kansas is $1,267 per year or $106 per month. The average cost of minimum coverage car insurance in Kansas is $509 per year or $42 per month. The cheapest car insurance in Kansas is offered by USAA and Geico, with average rates of $936 and $1,042 per year, respectively. The cost of auto insurance in Kansas is moderate compared to other states, with full coverage costing slightly above the national average and minimum coverage costing slightly below. Kansas law mandates that drivers carry minimum car insurance requirements, including bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage.

Average cost of car insurance in Kansas

The average cost of car insurance in Kansas is $1,267 per year or $106 per month for full coverage. This is slightly above the national average cost of $1,244. For minimum coverage, the average cost is $509 per year or $42 per month.

The cost of car insurance in Kansas depends on several factors, including age, coverage level, driving record, and credit history. For example, younger drivers tend to pay more due to their lack of driving experience. The type of car you drive can also impact your insurance rates, as some cars are more expensive to repair or replace than others.

When choosing a car insurance policy in Kansas, it's important to compare quotes from multiple providers and consider the coverage level that best suits your needs. Additionally, maintaining a clean driving record and taking advantage of available discounts can help keep your insurance costs down.

Factors affecting insurance rates

There are many factors that affect car insurance rates, and these can be broadly categorised into two groups: underwriting and rating. Underwriting is when an insurance company considers your application for auto coverage, taking into account a number of factors about you and your driving habits. Once underwriting is complete, the insurance company will place you into one of three categories of drivers: preferred, standard, or non-standard. Each of these categories has a different level of risk associated with it, and this risk level will be a major factor in determining your insurance rate.

Driving Record

Your driving record is one of the biggest factors in determining your insurance rate. A history of traffic violations and at-fault accidents will result in a higher insurance rate. In some cases, a poor driving record may make it difficult to find an insurance company that will cover you. However, it is possible to improve your driving record over time by practicing safe driving habits and avoiding transgressions like speeding and accidents.

Age and Driving Experience

Young and inexperienced drivers will generally pay higher insurance rates because they pose a higher risk for car accidents. Insurance rates tend to decrease after age 25 as drivers gain more experience and are considered less likely to be involved in accidents.

Location

Your location can affect your insurance rate in a few different ways. Firstly, insurance rates can vary by state due to differences in state requirements, population density, and cost of living. Secondly, your ZIP code can also impact your rate, as certain areas may be associated with higher risks of accidents, theft, or natural disasters.

Type of Car

The type of car you drive can also affect your insurance rate. Insurance companies will consider the safety ratings, theft rates, and repair costs of your vehicle when determining your rate.

Credit History

In most states, your credit history can also impact your insurance rate. Insurance companies may view poor credit as an indicator of a higher likelihood of filing claims. However, it's important to note that the use of credit history in insurance pricing is banned in some states, including California, Hawaii, Massachusetts, and Michigan.

Coverage Selections

The amount and type of coverage you choose will also affect your insurance rate. While it may be tempting to opt for the minimum coverage required by your state, it's important to ensure that you have sufficient coverage to protect yourself financially in the event of an accident.

Insurance History

If you are a new driver or have gaps in your insurance coverage history, you may be considered a higher risk and be subject to higher insurance rates. Insurance companies view continuous coverage as a sign of lower risk.

Annual Mileage

The more you drive, the higher the likelihood of being in an accident. As a result, insurance companies may charge higher rates for those with longer daily commutes or higher annual mileage.

Marital Status

Marital status can also influence insurance rates, as married drivers are statistically considered less risky to insure due to lower accident rates compared to single, divorced, or widowed drivers.

Gender

In some states, gender can also be a factor in insurance rates, particularly for young drivers. Male teen drivers tend to pay higher rates than female teen drivers, as they are considered more likely to take risks and be involved in accidents. However, this gender gap tends to even out for drivers in their 30s.

It's important to note that insurance rates can vary significantly between different insurance companies, so it's always a good idea to shop around and compare rates before choosing a policy. Additionally, there may be various discounts available that can help lower your insurance rate, such as good driver discounts, good student discounts, and multi-policy discounts.

Minimum car insurance requirements

Kansas requires all its residents to carry auto insurance with liability and uninsured motorist coverage. The minimum coverage in Kansas is $614 per year, with full coverage costing $2,554 per year. The state also requires you to have personal injury protection (PIP) and alternative proof of financial responsibility.

Bodily Injury Liability Coverage

Kansas law mandates a minimum coverage of $25,000 per person and $50,000 per accident for bodily injury liability. This coverage pays for the other person's medical expenses, rehabilitation, funeral costs, and other covered costs if you or your family are at fault in a car accident. It also covers legal expenses and settlements.

Property Damage Liability Coverage

The state requires a minimum of $25,000 per accident for property damage liability coverage. This insurance pays for the repair, replacement, or cash value of the other owner's property if you or your family members damage it in an accident. It also covers your legal expenses.

Personal Injury Protection (PIP) Coverage

Kansas is a no-fault state, which means your auto insurer will pay for your medical costs and other benefits, regardless of who is at fault in the accident. The minimum 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 expenses
• $4,500 for rehabilitation expenses
• Survivor benefits: disability/loss of income up to $900 per month for one year and in-home services up to $25 per day for one year

Uninsured/Underinsured Motorist Coverage

Kansas also requires uninsured/underinsured motorist coverage to protect you if you are hit by a driver without adequate insurance. The minimum coverage limits are $25,000 per person and $50,000 per accident for bodily injury.

It is important to note that these are the minimum requirements, and you may want to consider additional coverage for more protection.

Cheapest car insurance companies

The cost of car insurance varies depending on factors such as age, location, driving history and credit history. Here is a list of some of the cheapest car insurance companies in Kansas:

• USAA: USAA offers the lowest rates for military members, veterans and their families. It has the lowest average rate of $936 per year.
• Geico: Geico is the cheapest option for most Kansas motorists, with an average rate of $1,042 per year. It also has the lowest rates for young drivers, adults and seniors.
• State Farm: State Farm offers the cheapest rates for drivers with a DUI on their record, at an average of $1,317 per year. It also has the cheapest rates for drivers after an accident.
• Progressive: Progressive has the most affordable rates for drivers with a DUI, with an average of $197 per month. It also has the lowest rates for high-risk drivers.
• Farm Bureau: Farm Bureau has the cheapest liability insurance, with minimum coverage costing $36 per month.

How to save money on car insurance

While the cost of car insurance in Kansas varies depending on factors such as age, location, and driving history, there are several ways to save money on car insurance. Here are some tips to help you get started:

Shop Around for Insurance

It pays to shop around and compare prices from different insurance companies. Get at least three quotes from different insurers and consider using an independent insurance agent who can provide quotes from multiple companies. Remember to also research the company and read reviews to ensure they are reputable and offer good service.

Compare Insurance Costs Before Buying a Car

Insurance premiums are based on factors such as the car's price, repair costs, safety record, and theft risk. Research the insurance costs for different vehicles before purchasing a car, and look for vehicles with safety features and a good safety record, as these may be cheaper to insure.

Raise Your Deductible

By choosing a higher deductible, you can significantly lower your premium costs. Just make sure you have enough money set aside to cover the higher deductible in case of a claim.

Reduce Optional Insurance on Older Cars

If your older car is worth less than 10 times your insurance premium, consider dropping collision and comprehensive coverage. Evaluate the value of your car and compare it to the cost of insurance to determine if it's cost-effective to keep these coverages.

Bundle Your Insurance or Stick with the Same Company

Many insurers offer discounts if you purchase multiple types of insurance from them, such as homeowners and auto insurance. You may also get a discount for insuring multiple vehicles or for being a long-time customer. Compare the costs of bundling versus buying insurance separately to see which option is more affordable.

Maintain a Good Credit History

Insurers often use credit information to price auto insurance policies, and those with good credit tend to make fewer claims. Establish and maintain a solid credit history by paying your bills on time, keeping credit card balances low, and only applying for new credit when necessary.

Take Advantage of Low Mileage Discounts

Some insurance companies offer discounts for motorists who drive less than the average number of miles per year. If you carpool to work or have a short commute, you may qualify for these discounts.

Ask About Group Insurance

Some companies offer reduced rates for drivers who get insurance through their employer or through professional, alumni, or other associations. Check with your affiliated organizations to see if they offer any insurance discounts.

Seek Out Other Discounts

There are various other discounts that your insurer may offer. For example, you may be eligible for discounts if you have a clean driving record, take a defensive driving course, or have a young driver on your policy who is a good student. Ask your insurer about all the discounts you may qualify for and remember to review your policy periodically to ensure you're getting the best rate.

Frequently asked questions