Kansas Insurance Quotes

Coverages Required in Kansas

Kansas law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

  • Liability coverage
    • $25,000/person for bodily injury
    • $50,000/accident for bodily injury
    • $10,000/accident for property damage
  • Personal injury protection (PIP or No Fault)
    • Minimum amount required by law:
      • $4,500/person for medical expenses
      • $900/month for one year for disability/loss of income
      • $25/day for in-home services
      • $2,000 for funeral, burial or cremation expense
      • $4,500 for rehabilitation expense
    • Survivor Benefits: Disability/loss of income up to $900/month for one year
    • In-home services up to $25/day for one year
  • Uninsured/Underinsured
    • $25,000/person
    • $50,000/accident

How Your Rates Are Determined

Generally speaking, two factors govern what you pay for auto insurance: Underwriting and Rating

Underwriting is when an insurance company considers your application for auto coverage, it will take into account a number of different factors about you and your driving habits. Just because you apply with a certain company does not mean you will be provided coverage by that company. If approved for coverage, some of the factors that will influence your premiums are: driving record, where you live, your car make and model, how much you drive, gender, age, and prior insurance coverage.

After completing the underwriting, the insurance company will place you in one of the three basic categories of drivers listed below. Each company adopts its own rating system for deciding whether to insure a person. Those with the lowest risk factors (least likely to have a claim) will receive the lowest rates.

Preferred — This category is intended for drivers that companies consider to be the best risks, which usually means the safest drivers. These drivers usually have clean driving records over the past three to five years. They are given the lowest rates.

Standard — This category is intended for moderate risk drivers. The rates are higher than the preferred rates. These drivers are usually driving family-type cars and have a reasonably clean driving record.

Non-Standard — This category is intended for drivers that companies consider to be high risk. Usually drivers in this category have the highest rates. These drivers may include under age 25 drivers with less driving experience, drivers with tickets or accidents, drivers with a poor premium payment history, and drivers with a reckless or drunk-driving history.

***Taken from: http://www.ksinsurance.org/consumers/autoinfo.htm