Carol Pope is an insurance writer for Bankrate and, before joining the team, she worked as an auto insurance agent for 12 years. Bankrate's insurance editorial team includes two licensed agents with decades of combined experience helping drivers across the country find car insurance that fits their needs without breaking their budget. Although it is generally less expensive than a full coverage plan, liability insurance does not protect against an accident or theft of the insured vehicle. Auto insurance companies in Kansas can use your zip code as a qualifying factor when determining your premium, which means that average rates can vary from city to city.
Cars that are considered more expensive to repair, such as luxury cars and electric vehicles, can make their rates higher than those that may cost less to repair. While people in their 60s have cheaper car insurance rates than many other age groups on average, prices will start to increase as they age. Kansas car insurance quotes vary greatly depending on several factors, including the type of coverage you choose, coverage limits, your address, and personal factors. It's not uncommon for one age group to pay three times the average monthly auto insurance rate than another age group.
For example, owners of Kia and Hyundai vehicles could experience an upcoming increase in their car insurance premiums, not because their vehicles are especially fast or exotic, but because they can be easily stolen. Kansas is a “no-fault” state, meaning that your insurance company covers the cost of your medical bills and some out-of-pocket expenses, regardless of who is at fault for the accident. Now that you know important information about Kansas City, Freeway Insurance is here to help you find the best car insurance at a low price. Searching for cheap car insurance quotes with several insurers is the best way to find lower rates.
Full-coverage car insurance policies are the most expensive, but they provide much more protection, since they cover your own vehicles against accidents, thefts, natural disasters, and collisions with animals. The analysis included 5 to 10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Drivers with a history of driving under the influence of alcohol, bad credit, or other factors that prevent them from obtaining auto insurance in the voluntary market can apply for coverage through the Kansas Auto Insurance Plan.