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Car insurance quotes for good drivers in Kansas

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Fair car insurance in Kansas

From Kansas City to Topeka, Wichita to Lawrence, Olathe to Hutchinson, and all the way to Dodge City—Kansans can get fair and affordable car insurance with Root. Simply download the app, complete the test drive, and then see what you’ll save on your Kansas car insurance quote. If you’re a good driver, you could save hundreds on auto insurance in KS. 

How it works

Traditional auto insurance companies base your rate on your demographic data, such as age, marital status, or ZIP code. We don’t think that’s a fair way to offer car insurance quotes. That’s why at Root, we’ll base your Kansas auto insurance rate primarily on how you drive, not who you are.

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We use your smartphone to measure your driving behavior. Better driving = more savings.

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You can customize and purchase your policy, all in the Root app.

State requirements for car insurance in Kansas

What are the minimum auto insurance requirements in Kansas?

To legally operate a vehicle in Kansas, you must carry Liability insurance, Personal Injury Protection (no-fault insurance), and Uninsured / Underinsured Motorist coverage. If you are found driving without these coverages, you may face fines and suspension of your vehicle registration.

Liability coverage

Liability car insurance helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what MedPay is for) or your vehicle (but Collision and Comprehensive coverages do).

Minimum Liability coverage Kansas drivers must carry:

  • $25,000 for bodily injury (per person)

  • $50,000 for bodily injury (per accident)

  • $25,000 for property damage (per accident)

You can select higher limits if you’d like more coverage.

Personal Injury Protection (PIP)

No-fault car insurance—also called Personal Injury Protection (PIP)—covers your household family members and your medical costs after an accident, regardless of who is at fault for the accident. Claims against the at-fault driver can be filed after the PIP benefits are exhausted. 

Minimum PIP coverage Kansas drivers must carry: 

  • $4,500 for medical expenses (per person)

  • $900 for disability / loss of income (per month, for one year of coverage)

  • $25 for in-home services (per day, for one year of coverage)

  • $2,000 for funeral, burial, or cremation costs 

  • $4,500 for rehabilitation costs

Uninsured / Underinsured Motorist coverage (UM / UIM)

UM / UIM is another required coverage. This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance.

Minimum UM / UIM coverage Kansas drivers must carry:

  • $25,000 (per person)

  • $50,000 (per accident)

What other coverages does Root offer?

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Collision

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Rental Car coverage

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Personal Injury Protection

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Medical Payments

(MedPay)

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Comprehensive

(including glass coverage)

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Roadside Assistance

(included with every Root policy)

What is the average cost of Kansas car insurance?

The average Kansan pays $1,454¹ per year for their auto insurance, but many people are paying much more. Root doesn’t insure high-risk drivers, so our customers are saving up to $900 a year on their car insurance. 

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Get a car insurance quote based primarily on how you drive. You could save hundreds.

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References 

  1. Insure.com. Annual average rates were compiled in August 2021

Additional Resources 

Car insurance FAQCar insurance coverageRenters insuranceHomeowners insuranceClaimsTest driveReferralsContactInvestor relations

Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2022. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit joinroot.com/califaq for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.