Kansas
- ~$50–$65
- ~$125–$150
- $25K/$50K/$25K + PIP (min $4.5K medical)
Kansas offers moderate car insurance costs, but rates are gradually increasing due to rising rural crash severity and weather-related claims. The state’s no-fault system, combined with long commutes and heavy vehicle usage, shapes a unique insurance landscape. Severe storms and deer collisions are also influential factors.
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Kansas Auto Insurance Facts *
Drivers
- ~2.15–2.25 million licensed drivers as of 2023.
- ~92% of households own a personal vehicle.
- Rural regions dominate vehicle usage with long-distance commutes common.
- Pickup trucks and SUVs make up a significant portion of the fleet.
- Uninsured driver rate ~11–12%.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~62,900 | ~18,400 | 404 |
| 2019 | ~63,500 | ~18,600 | 410 |
| 2020 | ~56,400 | ~16,900 | 426 |
| 2021 | ~60,800 | ~17,700 | 438 |
| 2022 | ~61,500 | ~18,100 | 445 |
Laws & Regulations
- No-fault state with mandatory PIP coverage.
- Bodily injury and property damage liability required.
- Insurers must offer UM/UIM (uninsured/underinsured) coverage.
