Cheapest Kansas Car Insurance Rates in 2024 (Big Savings With These 10 Companies!)

Explore the top choices for cheapest Kansas car insurance rates with USAA, Geico, and State Farm offering rates starting at $18 per month. Known for competitive pricing, comprehensive coverage options, and high customer satisfaction, these companies provide tailored insurance solutions to meet your needs.

Kansas boasts the nation’s third-largest state highway system with over 140,000 miles of roads and a landscape flatter than a pancake. Finding car insurance can be daunting, but we’re here to simplify your search.

Our Top 10 Company Picks: Cheapest Kansas Car Insurance Rates

Discover the best coverage, rates, and safety options tailored to your needs, along with essential information on providers, understanding car insurance codes and laws, and driving statistics. Find cheap car insurance quotes by entering your ZIP code above.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#1 – USAA: Top Pick Overall

Pros

• Lowest Monthly Premium: At $18 per month, USAA provides the most affordable car insurance in Kansas, ideal for those seeking budget-friendly coverage. This low rate is particularly advantageous for military members and their families who qualify. Learn more in our USAA car insurance review.
• Generous Discounts: USAA offers multiple discount opportunities, including the SafePilot™ program, which rewards safe driving with lower premiums. These discounts can further reduce costs, making USAA a top choice for savings on car insurance.
• Exceptional Claims Service: USAA is renowned for its efficient and reliable claims processing, ensuring that policyholders receive prompt and effective support during stressful times. This enhances overall customer satisfaction, especially valuable when dealing with insurance claims.

 

Cons

• Eligibility Limitations: USAA’s services are restricted to military personnel and their families, which means many Kansas drivers cannot access its low rates. This limitation excludes a significant portion of the population from benefiting from USAA’s competitive premiums.
• Limited Physical Offices: With fewer physical locations, USAA may offer less convenience for those who prefer face-to-face interactions or in-person service. This can be a drawback for customers in Kansas who value personal customer service.

#2 – Geico: Best for Senior Discounts

Pros

• Competitive Monthly Rate: Geico offers a competitive rate of $24 per month, which is among the lowest in Kansas. This makes Geico an attractive option for drivers seeking affordable coverage without compromising on quality.
• Diverse Discount Options: Geico provides a range of discounts, including a Good Driver Discount and discounts for seniors, which can significantly lower premiums. These options are especially beneficial for Kansas drivers looking to reduce their insurance costs.
• User-Friendly Online Experience: Geico’s online platform is designed for easy navigation, allowing Kansas residents to manage their policies and file claims efficiently. This convenience is a major advantage for tech-savvy consumers who prefer online interactions.

Cons

• Mixed Customer Service Reviews: Although Geico generally offers strong service, customer feedback is varied, particularly during high-traffic periods. This inconsistency can affect the overall experience for Kansas drivers seeking reliable service.
• Lack of Local Agents: Geico’s emphasis on online and phone-based service may not meet the needs of Kansas residents who prefer in-person interactions with local agents. This can be a drawback for those who value face-to-face customer support. Learn more in our Geico car insurance review.

#3 – State Farm: Best for Teen Discounts

Pros

• Affordable Family Coverage: State Farm’s rate of $26 per month is particularly beneficial for Kansas families, especially those with teen drivers. The availability of teen discounts can help reduce overall insurance costs for households with young drivers.
• Extensive Local Agent Network: With a large network of agents across Kansas, State Farm provides personalized service and tailored insurance solutions. This network enhances customer support and accessibility, which is crucial for local drivers.
• Drive Safe & Save™ Program: State Farm’s Drive Safe & Save™ program offers discounts based on driving behavior, potentially lowering premiums for safe drivers. This program rewards Kansas drivers who maintain a good driving record with reduced rates. Unlock details in our State Farm car insurance review.

Cons

• Higher Rates for Young Drivers: Despite competitive rates for families, State Farm may have higher premiums for younger, less experienced drivers. This can be a disadvantage for Kansas households with teen drivers who are seeking the lowest possible rates.
• Complex Policy Options: State Farm offers a wide range of coverage options, which can be confusing for new customers. The complexity of these options may lead to misunderstandings about coverage and potentially higher costs for Kansas drivers.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#4 – Travelers: Best for Industry Experience

Pros

• Reasonable Monthly Premium: Travelers’ rate of $28 per month is competitive in Kansas, offering affordable coverage options for drivers. This pricing makes Travelers a solid choice for those looking for budget-friendly car insurance. See more details on our Travelers car insurance review.
• IntelliDrive® Program: The IntelliDrive® program tracks driving habits and offers discounts based on safe driving. This can lead to additional savings for Kansas drivers who exhibit responsible driving behavior, enhancing the value of Travelers’ insurance.
• Comprehensive Coverage Options: Travelers provides a variety of customizable coverage options, allowing Kansas residents to tailor their policies to their specific needs and budget. This flexibility is advantageous for drivers seeking personalized insurance solutions.

Cons

• Higher Rates for Full Coverage: While basic rates are competitive, Travelers’ full coverage options can result in higher premiums. This may be a concern for Kansas drivers who are looking for comprehensive protection at a lower cost.
• Variable Customer Service Feedback: Travelers’ customer service experiences can be inconsistent, particularly regarding claims processing. This variability may impact overall satisfaction for Kansas drivers who require reliable support.

#5 – Nationwide: Best for Multi-Policy Savings

Pros

• Affordable Base Rate: Nationwide’s $29 per month rate is competitive, making it a good option for Kansas drivers seeking cost-effective car insurance. This affordability is attractive for those who want to keep their insurance expenses low.
• Multi-Policy Discounts: Nationwide offers substantial savings for bundling auto insurance with other policies, such as home insurance. This can significantly reduce overall costs for Kansas residents who need multiple types of coverage.
• Responsive Customer Service: Nationwide is recognized for its efficient claims handling, providing timely assistance and support. This responsiveness is beneficial for Kansas drivers who need reliable service during the claims process. Check out insurance savings in our complete Nationwide car insurance discount.

Cons

• Potentially Higher Premiums for Certain Groups: Nationwide may have higher rates for specific demographics, such as younger drivers, which could limit savings opportunities for some Kansas residents. This can affect the affordability of insurance for these groups.
• Limited Customization: Compared to some competitors, Nationwide’s policy options may be less customizable. This could lead to gaps in coverage for Kansas drivers who need more tailored insurance solutions.

#6 – American Family: Best for Claims Service

Pros

• Comprehensive Coverage Options: As mentioned American Family car insurance review, American Family offers a range of coverage types at $36 per month, catering to various driving needs in Kansas. This variety ensures that drivers can find a policy that fits their specific requirements.
• Loyalty Benefits: American Family rewards long-term customers with loyalty discounts, which can enhance the value of their insurance over time. This benefits Kansas residents who stay with the company for extended periods.
• In-Person Support: With a strong network of local agents, American Family provides personalized service, which can be beneficial for Kansas drivers who prefer face-to-face interactions for their insurance needs.

Cons

• Higher Base Rates: American Family’s premiums are higher than some competitors, which might be a disadvantage for those seeking the lowest possible rates in Kansas. This could be a concern for cost-conscious drivers.
• Mixed Reviews on Claims Process: Customers have reported inconsistent experiences with American Family’s claims processing. This variability may affect overall satisfaction for Kansas drivers who need reliable and timely claims support.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#7 – Progressive: Best for Coverage Options

Pros

• Innovative Pricing Model: Progressive’s Snapshot® program adjusts rates based on actual driving habits, potentially leading to significant savings for safe drivers. The base rate of $41 per month offers flexibility in pricing for Kansas drivers.
• Variety of Discounts: Progressive provides numerous discounts, including for safe driving, bundling, and multi-car policies. This range of options helps Kansas residents lower their insurance costs effectively. Delve into our evaluation of Progressive car insurance review.
• User-Friendly Online Tools: Progressive’s online tools simplify the process of comparing coverage options and managing policies. This convenience is particularly useful for Kansas drivers who prefer digital interactions.

Cons

• Potentially Higher Renewal Rates: Kansas drivers may experience rate increases at renewal based on changing risk factors. This can be frustrating for those who are accustomed to stable insurance costs.
• Mixed Customer Satisfaction: Some customers report varied experiences with Progressive’s customer service, particularly regarding claims handling. This inconsistency can impact overall satisfaction for Kansas drivers.

#8 – Farmers: Best for Family Plans

Pros

• Comprehensive Policy Options: Farmers offers a wide array of coverage options at $46 per month, which can be tailored to individual needs. This flexibility is advantageous for Kansas drivers seeking personalized insurance solutions.
• Local Agent Support: Farmers’ extensive network of local agents provides personalized assistance, ensuring that Kansas drivers receive support tailored to their specific insurance needs. This enhances the overall customer experience.
• Discounts for Bundling: Farmers offers discounts for bundling auto insurance with other types of coverage, such as home insurance. This can lead to substantial savings for Kansas residents who need multiple policies. Learn more in our Farmers car insurance review.

Cons

• Higher Premiums Compared to Competitors: Farmers’ rates can be higher than some other providers, which might be a disadvantage for those looking for the cheapest car insurance in Kansas. This could affect affordability for budget-conscious drivers.
• Claims Processing Delays: Reports of longer processing times for claims may frustrate Kansas drivers who need timely resolution. This potential delay in service can impact overall satisfaction with Farmers.

#9 – Allstate: Best for Safe-Driving Discounts

Pros

• Comprehensive Insurance Products: Allstate offers a broad range of insurance products, starting at $51 per month, including additional coverage beyond auto insurance. This variety meets diverse needs for Kansas drivers seeking extensive protection.
• Drivewise Program: The Drivewise program rewards safe driving behaviors with potential discounts, helping Kansas drivers reduce their premiums by demonstrating responsible driving habits.
• Strong Local Agent Network: Allstate’s large network of local agents provides personalized service and support, enhancing customer satisfaction for Kansas residents who value face-to-face interactions. Discover more about offerings in our Allstate car insurance review.

Cons

• Higher Base Rates: Allstate’s premiums are higher compared to some competitors, which could be a drawback for Kansas drivers seeking the lowest possible rates. This may affect overall affordability.
• Mixed Customer Satisfaction: Some Kansas drivers report varied experiences with Allstate’s customer service, particularly in terms of responsiveness and claims handling. This inconsistency can impact overall satisfaction.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#10 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Policies: Liberty Mutual offers highly customizable insurance policies starting at $56 per month, allowing Kansas drivers to tailor their coverage to specific needs and preferences. This flexibility enhances the value for diverse driving requirements.
• Variety of Discounts: Liberty Mutual provides numerous discounts, including those for safe driving and bundling policies. These discounts can effectively lower insurance costs for Kansas residents, contributing to overall savings.
• Strong Online Tools: Liberty Mutual’s robust online platform offers easy access to policy management and comparison tools. This convenience benefits Kansas drivers who prefer managing their insurance digitally. Learn more in our Liberty Mutual car insurance review.

Cons

• Higher Premiums Compared to Competitors: Liberty Mutual’s base rates are higher than some other providers, which may be a concern for Kansas drivers seeking more affordable car insurance options. This could impact cost-effectiveness.
• Customer Service Challenges: Reports of inconsistent customer service, particularly related to claims processing, may affect overall satisfaction for Kansas drivers. This variability in service quality can be a drawback for those seeking reliable support.

Kansas Insurance Coverage and Rates

It can be tough to pay lots of money every year for a car insurance policy. Kansas requires all drivers to have insurance and finding the best coverage and prices can be frustrating.

Kansas Car Insurance Monthly Rates by Coverage Level & Providers

We’re going to explain insurance options, rates, and companies to help you understand what you’re buying.

Kansas Minimum Insurance Coverage

Kansas is a “no-fault” accident state, which means that you submit your claim to your insurance company. Your basic Personal Injury Protection (PIP) coverage will pay for your medical bills and certain other out-of-pocket losses regardless of who caused the crash.

Below are the minimum PIP requirements in Kansas:

• Medical expenses covered up to $4,500 per person.
• Disability/loss of income benefits of $900 per month for one year.
• In-home services available at $25 per day for one year.
• Funeral, burial, or cremation expenses covered up to $2,000.
• Rehabilitation costs covered up to $4,500.

Liability insurance pays everyone owed money for property damage and/or injuries from a car accident that you or anyone under your policy has caused – drivers, passengers, pedestrians, bicyclists, etc.

Kansas’s minimum liability insurance coverage requirements are as follows:

• $25,000 to pay for injury or death of one person
• $50,000 to pay to cover total injuries or the death per accident
• $25,000 to pay for property damage

State law requires drivers to also carry uninsured/underinsured motorist coverage with minimums of $25,000 per person and $50,000 per accident.

Forms of Financial Responsibility

Kansas law requires drivers to have car insurance and to show proof of coverage when a law enforcement officer asks them to do so. The Sunflower State doesn’t have a financial responsibility law but accepts the SR-22 and SR-26 for major convictions such as driving under the influence.

The filing requirement period is one year and terminates automatically with no notice to the Kansas Department of Revenue – Division of Vehicles at that time. If coverage ends in less than 12 months, an SR-26 is necessary. The driver is required to keep the SR-22 valid and current with the state for one year. The one-year period begins when the Division receives the SR-22.

The penalties for driving without insurance can include:

• fines of $300 to $1,000 for first-time offenders
• subsequent violations: fines of $800 to $2,500
• six months in prison for continuing violations
• suspension of vehicle registration with a $100 fee for reinstatement

Next, we’ll look at how much the average Kansan spends on car insurance to help you determine how much you can afford.

Premiums as a Percentage of Income

In 2014, the monthly per capita disposable personal income (DPI) in Kansas, after taxes have been paid, was $4,634.

The average monthly cost of car insurance in Kansas is $85, which is two percent of the average DPI.

The average Kansas resident has $3,470 each month to buy food, pay bills, etc. Car insurance will take about $71 out of that, and possibly more if your driving record isn’t clean.

Liability, comprehensive, and collision insurance are all part of full coverage policies. This is the average cost of each:

Kansas Car Insurance Cost by Coverage Type

Understanding these costs and their impact on monthly finances helps Kansas residents make informed decisions about their car insurance needs and overall budgeting.

Average Monthly Car Insurance Rates in KS (Liability, Collision, Comprehensive)

The above data is from the National Association of Insurance Commissioners. You can expect car insurance rates in Kansas to be significantly higher for 2019 and on.

Remember: though having the required insurance is important, you should also buy additional coverage to protect yourself and others in case you’re in an accident.

Next, you’ll find extra coverage options you can add to a basic insurance plan.

Additional Liability Coverage

Kansas drivers also can buy optional medical payments coverage (MedPay) of at least $5,000 to cover more medical expenses after an accident regardless of who is at fault for the crash.

How much risk you’re willing to take when you drive is up to you, whether you want to get the minimum or buy more coverage to protect yourself and your loved ones from extra costs and potential lawsuits from damaging accidents.

The experts at the Wall Street Journal advise drivers who buy liability insurance make sure that they increase the limits to 100/300/50. Now, let’s see some stats about loss ratios in Kansas.

Loss Ratio

A loss ratio compares how much a company spends on claims to how much money they take in on premiums. A loss ratio of 60 percent indicates the company spent $60 on claims out of every $100 earned in premiums.

MedPay is optional in Kansas, however, uninsured motorist coverage is required. In 2015, 13 percent of drivers in the U.S. and 7.2 percent of motorists in Kansas were uninsured, despite the potential penalties.

Kansas ranked 44th in the nation in 2015 for uninsured or underinsured drivers.

Unless you sign a form that states you don’t want uninsured motorist coverage, your agent is legally required to provide it to you.

Add-ons, Endorsements, Riders

We know getting the complete coverage you need for an affordable price is your goal.

One helpful resource is Auto & Homeowners’ Insurance Shoppers Guide by the Kansas Department of Insurance. It details all the insurance options available. And, the information doesn’t stop there. The Kansas DOI’s Auto Shoppers Worksheet is a useful checklist for finding the best rates.

You can add many powerful but cheap extras to your policy.

One option is Usage-Based Insurance programs (UBI), such as SmartRide from Nationwide, Snapshot from Progressive, or Drivewise from Allstate. They give discounts to drivers based on how well they drive.

Check out these optional coverage enhancements:

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance, such as towing
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance

By customizing your coverage with these add-ons, you ensure that you are well-prepared for various scenarios that standard insurance might not cover. This flexibility allows you to tailor your insurance to your specific needs, offering both security and value.

Average Monthly Car Insurance Rates by Age & Gender in KS

It’s a common conception that men pay more for car insurance than women, but did you know that age actually has a greater impact on your rates? Here you’ll find the Demographic rates in Kansas.

Kansas Car Insurance Monthly Rates by Age, Gender, & Provider

Regardless of your age, gender, or marital status, it pays to find the best rates. By taking the time to shop around and compare, you can ensure you’re getting the best possible rate for your specific situation, leading to better financial planning and more affordable insurance coverage.

Exploring Options to Compare Car Insurance Rates in Your City

It’s essential to compare the rates offered in your specific location to ensure you’re getting the best deal possible. Uncover car insurance rates in various cities across Kansas to make an informed decision that suits your needs and budget.

Kansas Car Insurance Cost by City

The table above presents data for Anthony, Augusta, Bird City, Edna, Emporia, Manhattan, Olathe, Salina, Topeka, and Wellington. Compare and make informed decisions based on the specific insurance rates in your city.

Kansas Car Insurance Companies

We have all the information you need to find the best rates and coverage. We’ve researched the biggest car insurance companies in Kansas to help you in your decision making — company ratings, complaints, and much more.

Don’t worry about making the wrong choice. There’s no need to feel overwhelmed, either. Trust us to guide you through this process.

Are you ready to get started?

Companies in Kansas With the Most and Least Complaints

When a consumer is unhappy with an insurer, they can file a complaint. This feedback is part of a company’s complaint ratio, which is the number of complaints a company receives per one million dollars of business.

If you want to file a complaint against an insurer in Kansas, fill out this online form.

Largest Car Insurance Companies in Kansas

Understanding which car insurance companies dominate the market can provide insight into where most consumers place their trust. This chart shows which car insurance companies have the largest market share in the state, offering a glimpse into the competitive landscape of Kansas’ car insurance industry.

Just under 923 auto insurance companies are registered in Kansas. Of those, 25 are domestic, and 898 are foreign. This diversity in providers ensures that consumers have a wide array of options to choose from, fostering competitive rates and comprehensive coverage options.

Kansas Car Insurance Rates by Company

Now, let’s look at the best rates on average for top car insurance companies in Kansas. Comparing these rates with the state average helps in identifying which companies offer the most affordable options for car insurance.

By comparing the average monthly car insurance rates of these companies to the state average, you can identify which insurers offer the most cost-effective options. This information is vital for choosing the right car insurance policy that balances coverage and affordability in Kansas.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Kansas Laws

Insurance laws can vary from state to state, and some of them can make more sense than others. So, it helps to have an understanding of some of the basic driving laws in Kansas to ensure that you’re obeying them.

From seat belt to DUI laws, we’ve got you covered. Here’s what you need to know.

Car Insurance Laws

State insurance commissioners administer laws and regulations. Each state determines the type of tort law and threshold that applies in the state (if any), the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

Insurance companies in Kansas are subject to the regulations the state insurance commissioner sets, which must meet the fair competition standards of the National Association of Insurance Commissioners (NAIC).

High-Risk Insurance

Drivers who have committed violations or who have multiple penalties on their records, uninsured drivers, and others, must file an SR-22 form. If your license has been revoked or suspended, you may need to file an SR-22 to have it reinstated.

SR-22 coverage can be required after committing the following violations in Kansas:

• Conviction under the Habitual Violator Statute
• Traffic officers’ DC-66 filing to the division for failure to provide proof of insurance during a traffic stop, unless proof of insurance is provided to the department within the time prescribed
• Any license suspension, resulting from (noncompliance) with this statute’s requirements to maintain evidence of insurance
• Failure to provide evidence of financial security as a result of an automobile accident as required by law

Kansas, unlike other states, doesn’t use a point system for traffic violations. You’ll find helpful information about traffic citations by The Kansas Highway Patrol. They also offer useful resources through Public Safety Programs which include the AAA Driver Improvement Program.

Windshield Coverage

The Wheat State doesn’t have specific laws requiring insurance companies to offer special glass coverage or no-deductible windshield replacement. The insurance companies can choose aftermarket parts that are of like kind and quality as well as the repair vendor.

This detailed summary of windshield and glass coverage in Kansas offers some helpful tips.

Automobile Insurance Fraud in Kansas

Insurance fraud is the second largest economic crime in America. To combat fraud, insurance companies raise premium rates dramatically and pass them on to consumers.

There are two classifications of fraud: hard and soft.

• Hard Fraud– A purposefully fabricated claim or accident
• Soft Fraud– A misrepresentation of information to the insurance company

Soft fraud is more common than hard fraud. Twenty to 40 percent of consumers admitted to lying to their insurer about one of the following:

• Number of annual miles driven
• Number of drivers in the household
• How the vehicle would be used

Any way you slice it, insurance fraud is a crime. Any kind of willful misrepresentation of facts is known as “rate evasion” and is a $160 million monthly expense to car insurers.

If you suspect insurance fraud or have been a victim of it, contact the Kansas Department of Insurance to report it.

Statute of Limitations

Kansas’s statute of limitations for filing a claim is one year for personal injury and two years for property damage.

Vehicle Licensing Laws

Residents can renew their registrations and drivers’ licenses, update their addresses, and get their driving histories at The Kansas Department of Revenue’s online portal. They can also easily access vehicle registration and insurance information at the state database.

Teen Driver Laws

Teens in Kansas can start driving with a learner’s permit as young as 14 years old.

Restricted Licenses: D rivers age 15 but not yet 16 may be granted a restricted license if they have completed driver training.

To get a restricted license, applicants must have driven at least 25 of the 50 hours required for a full license and must have held an instruction permit for 12 months. Learner’s permit and intermediate license holders also can’t use handheld devices.

These discounts from top insurance providers in Kansas offer valuable opportunities for car owners to save money while maintaining comprehensive coverage and safety on the road.

Kansas Teen Driver’s License Restrictions

The minimum age for a full driver’s license is 16. Before being granted a license, teen drivers have a mandatory holding period of 12 months. They also must have a minimum supervised driving time of 25 hours in the learner phase and 25 hours before age 16; ten of the 50 hours must be at night.

Older Driver License Renewal

As drivers age, staying updated with license renewal requirements is essential to ensure safety and compliance with state regulations. In Kansas, specific rules apply to older drivers regarding license renewal.

• Drivers age 65 and older must get their licenses renewed every four years
• Seniors and the general population must show proof of adequate vision at every renewal
• Neither senior drivers nor the general public can renew online, but the state is currently in the process of launching a new online renewal system.

As Kansas moves towards implementing an online renewal system, it will become more convenient for all drivers, including seniors, to keep their licenses up to date. Staying informed about these regulations helps older drivers remain compliant and continue driving safely.

New Resident Licensing

Drivers who have out-out-state licenses and want to get a Kansas license can get one if they meet the following requirements:

• Present acceptable proof of identity and proof of residence — an out of state license is acceptable as a second form of ID, but not as proof of legal name and date of birth
• Not have had a license canceled, suspended, or revoked in any state
• Pass a vision exam
• Pay applicable fees

For more information as it applies to your situation, visit the Kansas Department of Revenue – Motor Vehicle Division website.

License Renewal Procedures

Kansas drivers younger than 65 years old must renew their licenses every six years. Be aware that proof of adequate vision is required at every renewal.

Want to know the best part? The state is currently in the process of launching a new online renewal system.

Negligent Driving

Reckless driving in Kansas is a misdemeanor criminal offense. The law states, “Any person who drives any vehicle in willful or wanton disregard for the safety of persons or property is guilty of reckless driving.” Penalties are as follows:

• First Offense: No less than five days nor more than 90 days of imprisonment, or fines no less than $25 nor more than $500, or both imprisonment and a fine.
• Subsequent Offenses: No less than ten days nor more than six months of imprisonment, or fines no less than $50 nor more than $500, or both imprisonment and a fine.

It’s open to the responding officer’s interpretation, and the driver could be charged when an accident has occurred and the cause isn’t obvious.

Rules of the Road

If you don’t follow the rules, of course, you could be breaking the law. That can lead to fines and penalties. For more information about Kansas’s rules of the road, keep reading.

Fault vs. No-Fault

As we explained earlier, Kansas is a “no-fault” state. Drivers in car accidents there must file a claim with their own insurance company first, using the state-required “personal injury protection (PIP)” coverage.

They can go beyond their own insurance and seek compensation from the other driver if they have exhausted their own coverage and have suffered a serious injury, which the state defines as:

• Permanent disfigurement
• Permanent injury
• Permanent loss of a body function
• Fracture of a weight-bearing bone
• Compound, comminuted, compressed, or a displaced fracture of any bone

If your case meets the requirements for serious injuries, you’ll also want to be aware of Kansas’s modified comparative fault rules.

At a trial, a judge or jury calculates the percentages of fault for each driver and reduces every driver’s liability accordingly. For example, if a driver suffers $10,000 in damages, but is found to be ten percent at fault, his or her recovery will be limited to 90 percent of the damages, or $9,000. A driver who is 50 percent or more at fault can’t recover any damages. Looking for a car insurance attorney may help in some of these instances.

Keep Right and Move Over Laws

Kansas state law allows passing on the left lane only when drivers make a left turn or are passing other vehicles.

When drivers approach a stationary emergency vehicle displaying flashing lights, including towing and recovery vehicles traveling in the same direction, they must move to the closest lane, if safe and possible to do so, or slow down to a speed adequate for road and traffic conditions.

These laws help protect law enforcement, emergency first responders, and maintenance crews from oncoming traffic.

Speed Limits

No one wants to get a speeding ticket. Get familiar with Kansas speed limits, so that you can avoid potential fines.

• 75 mph on rural interstates
• 75 mph on urban interstates
• 75 mph on limited access roads
• 65 mph on all other roads

Please note that these are only the maximum speed limits for each road type — they can vary from roadway to roadway, so pay attention to signs.

Seat Belt and Car Seat Laws

When it comes to seat belts and car seats, Kansas has specific requirements for children and adults.

All children three years old and younger must be in a child restraint; children ages four through seven who weigh less than 80 pounds, and children ages 4-7 who are less than 57 inches tall must be in a child restraint or a booster seat.

The law doesn’t require front-seating or rear-seating for children, nor does it require front-facing or rear-facing car seats for children.

All children ages eight through 13 years or children ages four through seven who weigh more than 80 pounds and/or who are taller than 57 inches can wear adult safety belts.

Everyone 14 years and older must wear a seat belt. Police officers can fine people in the front seats if they’re not wearing seat belts, but for drivers in rear seats, a secondary offense, such as running a red light, is required to enforce the law.

The maximum base fine for a first offense is $60 for children ages 14-17 and $30 for adults. Additional fees may apply.

Cargo Areas in Pick up Trucks: Kansas allows everyone 14 and older, people in parades, or those who must do so as part of their employment to occupy them. The restrictions don’t apply to vehicles not being operated in the state highway system or within the “corporate limits” of a city.

Ridesharing

Rideshare services like Uber and Lyft mandate that all their drivers carry personal car insurance policies that align or exceed the minimum coverages state law requires.

If you are thinking of ridesharing, make sure to ask your provider if they offer ridesharing insurance. In Kansas, those companies include Farmers Insurance, Geico, and USAA.

Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS),

Automation is the use of a machine or technology to do a task or function a human once performed. In driving, automation involves using radar, camera, and other sensors to get information about a vehicle’s surroundings, which computer programs use to do all or part of the driving.

Currently, Kansas has no restrictions on autonomous vehicles.

Safety Laws

Traffic laws are designed to keep everyone safe. The Kansas Department of Transportation (KSDOT) has developed the Highway Safety Improvement Program to offer drivers tips, facts, and interactive maps and guides. In compliance with the National Highway Traffic Safety Administration (NHTSA), Kansas has also issued a Highway Safety Plan.

DUI Laws

The Blood-Alcohol Content (BAC) limit in Kansas is 0.08 percent and the High BAC limit is 0.15 percent. Read this helpful guide for more information about DUI penalties in Kansas.

Drug-Impaired Driving Laws

Kansas doesn’t currently have any specific marijuana-impaired or drugged driving laws.

Distracted Driving Laws

Since the smartphone became popular, distracted driving has become as dangerous as driving under the influence of substances.

Kansas state law bans texting for all drivers. Learner’s permit and intermediate license holders also can’t use handheld devices, however, full license holders are allowed to use them.

And remember: in Kansas, an officer can pull you over just for texting on your phone. So it’s better to be safe than sorry and save the texting for off the road.

Kansas Can’t-Miss Facts

Understanding key road statistics and insurance details in Kansas can help you make informed decisions about your vehicle and insurance needs. The table below summarizes essential information about Kansas road stats, vehicle data, and insurance facts.

By understanding these facts, you can better navigate your vehicle and insurance decisions, ensuring you are well-informed about the conditions and trends in the state.

Vehicle Theft in Kansas

Vehicle theft remains a significant concern for car owners in Kansas. Knowing which models are most frequently targeted can help vehicle owners take preventative measures. Below is a chart detailing the top 10 most stolen vehicles in Kansas, highlighting trends and patterns in vehicle theft.

The chart above showcases that full-size pickups, specifically the 1999 Chevrolet Pickup and the 2003 Ford Pickup, are among the most stolen vehicles. Additionally, popular models like the 1996 Honda Accord and the 2000 Honda Civic also feature prominently, indicating a preference for certain makes and models by thieves. Other vehicles on the list include a mix of pickup trucks, sedans, and SUVs.

Vehicle Theft by City

Arkansas city experiences the highest number of motor thefts, with 20 reported incidents, followed by Andover and Atchison. Smaller towns like Arma and Auburn report very few or no thefts, indicating lower risk in these areas. This information is crucial for both residents and law enforcement to allocate resources effectively and focus on preventative measures in high-risk areas.

Read more: Compare Bentley Car Insurance Rates

Risky and Harmful Behavior

Here are some sobering facts to keep in mind about driving-related fatalities in Kansas.

Fatality Rates Rural vs. Urban

The distribution of traffic fatalities in rural versus urban areas can highlight different safety challenges. Comparing fatality rates between rural and urban areas helps to identify specific safety needs and target interventions effectively to reduce traffic fatalities across different types of roadways in Kansas.

Fatalities by Person Type

Traffic fatalities affect various types of road users differently. The table below details the number of fatalities by person type in Kansas.

Kansas Traffic Fatalities by Person Type

Understanding the distribution of fatalities by person type helps in developing targeted safety measures to protect all road users, including cyclists, motorcyclists, vehicle occupants, and pedestrians.

EMS Response Time

EMS response times can significantly impact the survival and recovery of traffic accident victims. Analyzing EMS response times in different locations helps identify areas for improvement to ensure prompt medical assistance for traffic accident victims, enhancing their chances of survival and recovery.

Transportation

These are some interesting details about the car ownership and commute time in Kansas.

Commute Time

In Kansas, traffic jams are a mere blip on the map compared to the national average and to more populated states.

At 18.5 minutes, Kansas drivers beat the national average commute time of 25.3 minutes. Only 1.15 percent of Kansans have a “super commute” of 90 minutes or more.

Commuter Transportation

Now that you’ve learned all you need to know about Kansas driving laws and insurance, you’re ready to buy the best coverage you need in the Sunflower State.

All you need to do to get the best rates from Kansas car insurers is to enter your ZIP code below to start saving today.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption