Kansas Car Insurance (KS)

Despite its reputation as a flatland with rows of crops off to the horizon, there is much to see in Kansas.  If you are moving there, you should know what the state requires in terms of car insurance.  If you are visiting, you should still acquaint yourself with the Kansas no fault car insurance concept.

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Kansas Car Insurance Requirements

In Kansas, the minimum liability requirements for car insurance are $25,000 in bodily injury for one person and $50,000 for all parties.  The minimum liability for property damage is $10,000.  This coverage applies to the other car, driver and passengers involved in an accident for which you are at fault.

Kansas also requires that your car insurance policy cover uninsured and underinsured drivers.  This liability coverage pays for the injury-related costs incurred by you and your passengers in an accident when the other driver is either uninsured or does not have sufficient coverage to pay for your expenses.  Liability for uninsured and underinsured drivers does not cover property damage (such as the damage to your car).

The Kansas car insurance requirements contain a no-fault or personal injury protection (PIP) mandate.  This coverage applies to you and the occupants of your car, regardless of who is at fault in the accident.  Every car insurance policy for a Kansas vehicle must contain PIP coverage in the following amounts:

• $4,500 per person for medical expenses
• $900 per month for one year for disability or loss of income
• $25 per day for in-home services
• $2,000 for funeral, burial or cremation services
• $4,500 for rehabilitation expenses

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Additional Insurance Requirements in Kansas

Missing in the state car insurance requirements is coverage for damage to your car from an accident that is your fault.  Collision coverage provides that and is an option you should consider.  Take the highest deductible that you think you can afford, as this will bring your monthly premium down substantially.  The same is true for comprehensive coverage, which pays for damage to your car that is non-accident related, such as fire or storm damage, theft and vandalism.

When you are researching your car insurance, be sure to ask about discounts, besides the standard one offered for a good driving record. In Kansas, there are a number of courses that a driver can take which by law will qualify them for car insurance discounts.

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