Kansas Auto Insurance Guide
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From Wichita to Kansas City, Overland Park to Lawrence, Kansas has thousands of miles of roadways. They’ll take you from downtown Topeka to the shores of Lake Wilson to the Chisolm Trail, the Flint Hills and historic Dodge City. They’re used by over 2 million licensed drivers, who each travel more than 10,000 miles a year. Along the way, Kansas’s drivers are involved in thousands of traffic accidents every day, including many that result in serious injury or death. Wherever you live and drive in the Sunflower State, carrying adequate car insurance is both a legal requirement and commonsense protection. This is your guide to Kansas’s basic vehicle insurance requirements and laws.
Kansas state law requires you to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines and jail time. Kansas is a no-fault state. That means your insurance will pay your injury claims up to a specified limit, regardless of who caused the accident. Under a no-fault system, you lose some of your rights to sue for damages.
The bare minimum car insurance requirement for Kansas drivers is:
Kansas does not require you to carry additional coverage such as Collision and Comprehensive. However, if you own property and other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.
You are required by law to carry proof of Kansas car insurance in your car and show it if a law enforcement officer asks to see it. Failure to do so is a Class B misdemeanor. The penalty for a first offense is fines up to $1,000 or up to 6 months in jail. Fines increase to $2,500 for a second citation within three years of a first conviction. You can also lose your registration and your driver’s license can be suspended. There are also fees to have your license and registration reinstated.
Vehicle insurance premiums are regulated by the Kansas Insurance Department. Insurance companies are allowed to charge premiums and award discounts based on a number of factors that can include:
Kansas also allows insurers to consider your credit history to determine your premium.
You may be able to lower the cost of your premiums in the following ways:
Laws regarding driving and car insurance can change frequently. It is your responsibility to stay current about the legal requirements in Kansas. The following laws have recently been enacted in Kansas and may affect your insurance coverage decisions.
Kansas Department of Revenue/Motor Vehicle Division
Insurance Information Institute
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