Kansas auto insurance customers are fortunate enough to pay below the national average for the State of Kansas.  In 2007, the average Kansas auto insurance was only $1538 for the year and that was down from $1609 in 2006. Only six states could boast lower auto insurance rates than Kansas. Of course, individual auto insurance rates depend upon the driving history and other particulars of the driver and it could be higher or lower than the state average.

 

Kansas Auto Insurance Requirements

This state of rolling plains is actually the best-insured state in the country. Kansas is a no fault automobile state.  This means that regardless of which driver is at fault for the accident, the driver and insurance company will pay the cost.  It also means that Kansans must carry Personal Injury Protection to make sure that each driver will be insured for medical expense, loss of wages and even death benefits.

Personal Injury Protection required by the State of Kansas depends upon how much health insurance the motorist carries.  The minimum amounts required by Kansas law is set at:

• Medical and rehabilitation expenses – $4,000.
• Loss of wages – maximum of one-month salary
• Funeral expenses –   $2,000.
• Death benefits

The no fault rule is not blanket across the board, there are exceptions when the driver who is at fault has caused very severe medical injuries or damage to the vehicle and property, and this in turn will be more than the insurance will cover. Therefore, Kansas auto insurance carriers must also carry minimum bodily injury liability and property damage protection to cover them in the event that they are judged at fault. Kansas auto insurance minimums are 25/50/10 which is interpreted as follows:

• Bodily Injury Insurance – The coverage for Bodily injury will be up to $25,000 to pay for medical expenses the at fault driver has imposed upon another person due to a car accident.
• A total amount of $50,000 will be given out for more than one injured party.
• Property Damage – the at fault driver’s Kansas auto insurance company will pay out up to $10,000 for damage to the other vehicle, and public or private property damage.

The amounts are the bare minimums required by law and most accidents can reach well over these amounts, therefore it is recommended that each motorist take out more coverage.

Comprehensive and Collision is also important to carry when, the at fault driver, sustains damage to his or her own vehicle as well. Comprehensive and Collision will also protect the driver against natural calamities such as windstorm damage or damage sustained by wildlife.

Kansas car insurance requirements include carrying Uninsured/Underinsured Motorist protection to make sure that if the at fault driver has no insurance or not enough insurance to cover damages, the UM insured individuals will have funds available to cover costs. This coverage is also handy to cover a hit and run.