Fortunately, car insurance rates in Kansas are slightly lower than the national average. It's relatively inexpensive to find full-coverage car insurance in Sunflower State if you're a 25-year-old driver. Drivers who have had a recent accident, a DUI, or a speeding ticket are likely to pay much more for car insurance. Kansas follows a no-fault car insurance system, so your car insurance provider will cover your medical bills regardless of who caused the accident.
Kansas drivers typically find lower rates and quality service at USAA, Geico, State Farm, Shelter Insurance and Progressive. We collected thousands of Kansas zip code rates for seven of the state's largest insurers. While an auto insurance policy with minimal coverage is cheaper, lower coverage limits may mean that you'll have to pay the full cost of damage to your vehicle after a car accident. An easy way to find the best car insurance rates is to combine your car policy with homeowners or renters insurance.
State laws govern how much insurance coverage drivers must have, and no-fault laws affect insurers' risks. Kansas requires drivers to have a minimum amount of liability coverage in their auto insurance policies. There are several unique reasons why car insurance is also increasing every year in Kansas, even if your details remain the same. Car insurance in Kansas is expensive because it's a no-fault state and requires personal injury protection.
Kansas isn't the most expensive state for car insurance, but its broad coverage standards make it more expensive than many of its neighbors. If you've recently received a traffic ticket, were at fault for an accident, or have little credit, you're likely to pay more for car insurance. You can also demonstrate your financial responsibility by maintaining minimal car insurance with no gaps in coverage. Auto insurance companies often set higher rates for people with bad credit because the credit score is correlated with the likelihood of filing a claim.
The cheapest states for car insurance are Iowa, Vermont and Nebraska, according to the WalletHub cheap car insurance study.