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 If you live in Wichita, Kansas and are searching for a Wichita car insurance policy use our free Wichita car insurance quote finder to compare rates from top companies side by side!

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Wichita, KS Auto Insurance Requirements

When choosing a Wichita car insurance policy you need to make sure your policy fulfills the state’s minimum auto insurance requirements.

Kansas is a no fault auto insurance state. This means that, regardless of who is found to be “at fault” in an accident, your auto insurance company will still pay your injury claims.

The Kansas state auto insurance requirements are as follows:

  • Bodily injury liability of $25,000 per person
  • Bodily injury liability of $50,000 per accident
  • Property damage liability of $10,000
  • Uninsured motorists bodily injury of $25,000 per person
  • Uninsured motorists bodily injury of $50,000 per accident
  • Personal injury protection (PIP) medical coverage of $45,000
  • Personal injury protection for work loss of $900

Remember that these amounts of coverage are just the minimum amounts required by state law. You may need more coverage depending upon your situation. Also, if your car is being financed your lender may require you to have additional coverage, usually comprehensive and collision coverage, which pay for damages to your car.

Wichita Auto Insurance Penalties

If you are caught driving without the minimum required amounts of auto insurance in Wichita, Kansas there could be consequences. Driving without auto insurance in Kansas is a class B misdemeanor.

The possible penalties for driving without auto insurance in Kansas are as follows:

  • Fine of $300 - $1,000
  • Up to 6 months imprisonment in the county jail

If someone is convicted of driving without auto insurance in Wichita or anywhere else in Kansas for a second time in a three year period, the penalties become more severe.

  • Class A misdemeanor
  • Fine of $800 - $2,500

Don’t risk getting caught driving without the right Kansas auto insurance coverage. Use our free Wichita, Kansas car insurance quote finder to compare quotes in Wichita and all over Kansas right now!

Understanding Your Wichita, Kansas Auto Insurance Rates

Did you know that Kansas is home to some of the lowest auto insurance rates in the nation? In 2005, Kansas was number 45 for the states with the highest auto insurance premium. Only five state’s have lower average auto insurance premiums than Kansas. The average auto insurance premium for Kansas at this time was about $750.

Whether this is more or less than you pay for your Wichita auto insurance policy, you would still most likely be interested in lowering your car insurance rates.

Understanding your auto insurance rates is one of the first steps to lowering them. Many factors influence your Wichita auto insurance rates. In fact, since Wichita auto insurance companies are free to determine your rates on whatever basis they please, it is likely that no two auto insurance companies determine rates in exactly the same manner.

The most common factors that auto insurance companies use to set rates include:

  • Age
  • Gender
  • Location
  • Claims History
  • Driving Record
  • Vehicle
  • Credit Score

Perhaps one of the most influential factors for Kansas auto insurance would be location. Car insurance rates are usually higher in urban areas as opposed to rural areas. Kansas is a highly rural area, but it is also a center of distribution for the US.

Here are some Kansas accident statistics that may help you further understand your Wichita auto insurance rates.

Kansas Car Accident Statistics

Read on to learn more about the breakdown of Kansas car accident statistics.

Kansas Truck, Semi And SUV Accident Statistics

Since Kansas is a center for distribution, although it is rural, there are a high number of trucks, semi’s and SUV’s on the road and highways.

  • In 2004, 594 people were killed in car accidents in Kansas.
  • Out of those, 94 were accidents with a semi or 18 Wheeler.

Kansas has a much higher percentage of deaths from trucks and semi’s than most of the nation.

Kansas Drunk Driving Accident Statistics

  • In 2006, there were 466 accident related fatalities.
  • Of those, 162 were alcohol related.

Kansas Seat Belt Usage Statistics

  • In 2008, 77% of Kansas adults used their seatbelts.
  • This is compared to the national rate of 83% of adults who used their seatbelts in 2008.

Comparing Kansas Auto Insurance Companies

Before choosing a Wichita car insurance policy you will want to compare rates from multiple Kansas auto insurance companies.

Some of the top Kansas auto insurance companies include:

  • State Farm
  • Allstate
  • Progressive
  • Nationwide

When deciding on a company, make sure you compare more than just rates. Here are some things you may want to keep in mind when choosing a Kansas auto insurance company.

  • Are they licensed to sell insurance in Kansas?
  • Are they financially stable? (Independent ratings from companies like A.M. best are helpful for this.)
  • Do they offer top notch customer service?
  • What is their claims service like? (Online, 24 hour, etc.)
  • Are their rates competitive?

Compare rates from the top companies listed above and more with our free Wichita car insurance quote finder!

Get Your Free Wichita, KS Car Insurance Rates Now!

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