Finding cheap auto insurance in Kansas is a great way to reduce your monthly expenses. But with so many companies promising the most affordable rates, it can be challenging to noodle out the best policy for your needs and budget.
To help our readers save time and money, we gathered insurance quote data on nine top providers to find the lowest insurance prices for the following driver categories:
Best Rates For Drivers With No Recent Accidents
State Farm was found to have the lowest rates for cautious motorists whose driving history was free of accidents. Safeco also considers a clean driving record to be an important factor in determining monthly premiums. Our researchers used a hypothetical 29-year-old driver who hadn’t caused a major collision in the previous five years.
Best Rates For Teen Drivers
Young drivers are involved in a disproportionately high number of wrecks. As a result, insurers typically charge them higher monthly premiums—and that’s true even if a teenager hasn’t been involved in a single collision or received any traffic citations. The driver in our test was an 18 year old with a clear driving record who was shopping for the minimum required auto insurance in Kansas.
Best Rates For Drivers With A DUI
If you’ve been charged with DUI, you probably noticed a major uptick in your monthly insurance rates. If you’re tired of breaking the bank to pay for insurance, our data indicates that Progressive and State Farm offer very cheap auto insurance after a DUI in Kansas.
The test driver we used was age 29 and had one DUI conviction in the past 12 months. We averaged the estimated premiums of males and females in five Kansas zip codes to identify the best DUI insurance rates.
Best Rates For Senior Drivers
Seniors tend to have an easier time finding cheap auto insurance in Kansas because they’re usually on the road less often than younger people. We used a 65-year-old motorist in this segment of our study and averaged the rates for males and females.
The vehicle used in our analysis was a 2014 Toyota Corolla with a yearly mileage of 12,000. Our data incorporates monthly insurance rates for males and females in five Kansas zip codes. In all categories except teen drivers, we used 50/100/25 uninsured motorist limits and the same liability coverage limits.
How Much Auto Insurance Are Drivers In Kansas Required To Carry?
Kansas drivers are required by law to have insurance that covers $25,000 for bodily injuries to one person, $50,000 for bodily injuries per crash, and $10,000 for property damage. Uninsured motorist coverage is required in the amount of $25,000 per individual and $50,000 per accident. Personal Injury Protection is also required with a minimum coverage limit of $4,500.