Kansas Auto Insurance – KS Car Insurance

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In 2005, Kansas’ motorists paid an average of $590 for their car insurance policy. By 2008, they were paying upwards of $1,512. This represents a change of 156% in just a few short years! Drivers in Kansas should be aware that although insurance rates are going to continually rise, their best method for fighting higher rates is to comparison shop. Studies have shown that consumers can save more than 30% just by comparing auto insurance rates from various companies.

Kansas Car Insurance Coverage Requirements

Kansas requires all drivers to have auto insurance before using public roads. The two types of auto insurance required are called bodily injury liability and property damage liability. They are required because they help cover the costs of injury or damage you may do to another person or their property as a result of your driving.

The minimum coverage required for bodily injury liability coverage is:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident

The minimum required for property damage liability is:

  • $10,000

Additionally, Kansas law requires all drivers to also have personal injury protection and uninsured and underinsured motorist coverage. Their specified limits are as follows:
Personal Injury Protection

  • $25 per day on house keeping services
  • $900 per month up to a year on loss income
  • $4,500 on rehabilitation costs
  • $4,500 per individual on medical bills
  • $2,000 to cover the costs of funeral

Uninsured and Underinsured Motorist Protection

  • $50,000 per accident
  • $25,000 per individual

Optional Coverages Available in Kansas

Kansas Car Insurance Conflict Resolution

Have a problem with a car insurance company? If you are unable to work out a solution you can contact the Kansas Department of Insurance for more information.

Web Site: www.ksinsurance.org
Email: commissioner@ksinsurance.org

Mailing Address:
Kansas Dept. of Insurance
420 SW 9th St.
Topeka, Kansas 66612-1678
Phone: 1-785-296-3071
Toll-free: 1-800-432-2484 (In-state)
Fax: 1-785-296-2283

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