Everything You Need to Know

Like most states, the state of Kansas mandates that all drivers, including those who live in Wichita, carry car insurance to operate a motor vehicle on state roadways. When purchasing car insurance, Wichita, Kansas drivers can benefit from lower rates depending on driving record and choice of provider.

Kansas Insurance Requirements

According to QuoteWizard, Kansas state law requires drivers to purchase a certain amount of liability insurance and uninsured motorist coverage. If you live in Wichita and you’re purchasing car insurance, your policy should include the following:

• Bodily Injury Liability: $25,000 per person/$50,000 per incident
• Property Damage Liability: $10,000 per incident
• Uninsured/Underinsured Motorist Coverage: $25,000 per person/$50,000 per incident for bodily injuries

QuoteWizard notes Kansas law also requires drivers to add the following amounts of personal injury protection coverage:

• $2,000 for funeral expenses per person
• $4,500 of medical coverage per person
• $4,500 for rehabilitation costs per person
• $900 per month for lost income for up to one year
• $25 a day for at-home medical services for up to one year

In a severe accident, the minimum liability requirements may not be enough to cover all of the necessary repairs and medical care. That’s why QuoteWizard recommends that you raise your liability limits to the following amounts:

• Bodily Injury Liability: $100,000 per person/$300,000 per incident
• Property Damage Liability: $100,000 per incident

You should also add comprehensive and collision coverage to your policy. As Benzinga points out, whether you purchase minimum coverage or full coverage, you should always keep proof of your coverage in your vehicle. If you’re caught driving uninsured, you’ll end up with a Class B misdemeanor on your record. You could also face a $1000 fine and up to six months of jail time.

What Does Each Type of Insurance Cover?

To decide whether or not you should raise your liability limits or add extra coverage to your policy, it helps to familiarize yourself with the different types of coverage available. Allstate provides some basic definitions:

• Bodily Injury Liability: If another driver sustains injuries in an accident and you’re at fault, this type of coverage pays for their medical care.
• Property Damage Liability: This coverage pays for damages to the other driver’s vehicle if you’re at fault in an accident. It can also pay for damage to buildings, fences, and other structures.
• Uninsured/Underinsured Motorist: If you’re in an accident and the other driver is at fault, this coverage will pay for your auto repairs and medical care when the other driver has no insurance or not enough coverage.
• Personal Injury Protection: If you or your passengers are injured in an accident, this coverage will pay for any necessary medical care or funeral expenses.
• Collision: This type of coverage pays for repairs or vehicle replacement if your vehicle sustains damage in an accident, even when you’re at fault. It also covers one-car accidents like rollovers.
• Comprehensive: If your car is stolen, vandalized, or damaged in a natural disaster, comprehensive coverage pays for the repairs.

A Comparison of Quotes for Wichita Drivers:

Comparing quotes from various providers can help you find affordable car insurance. Each insurance company has its own formula to calculate rates, meaning some providers offer lower prices than others. ValuePenguin gathered quotes from leading providers operating in Wichita for different groups of drivers. If you live in Wichita and have a clean driving record, here’s what you can expect to pay for minimum coverage:

• State Farm: $494 a year
• Farm Bureau: $597 a year
• Progressive: $609 a year
• Allstate: $775 a year
• American Family: $1036 a year
• Farmers: $1046 a year

If you’re a Wichita driver opting for full car insurance coverage, these are your most affordable options:

• State Farm: $1556 a year
• American Family: $1792 a year
• Progressive: $1948 a year
• Farm Bureau: $2110 a year
• Allstate: $2148 a year
• Farmers: $3990 a year

ValuePenguin also analyzed quotes for drivers with different types of violations on their record. They report that Wichita drivers with a recent speeding ticket can expect to pay the following rates, on average:

• State Farm: $1689 a year
• American Family: $1792 a year
• Progressive: $2372 a year
• Allstate: $2391 a year
• Farm Bureau: $2665 a year
• Farmers: $5116 a year

If you have a recent accident on your record, here are your most affordable options:

• State Farm: $1822 a year
• American Family: $1994 a year
• Progressive: $3000 a year
• Allstate: $3074 a year
• Farm Bureau: $3220
• Farmers: $5488 a year

ValuePenguin found that drivers with a recent DUI tend to pay even higher rates. These quotes show what Wichita drivers with a recent DUI on their record can expect to pay for car insurance, on average:

• State Farm: $1689 a year
• American Family: $1792 a year
• Progressive: $2076 a year
• Allstate: $2837 a year
• Farm Bureau: $5035 a year
• Farmers: $5287 a year

Another group that tends to pay higher rates is drivers with poor credit ratings. That’s because the insurance industry correlates credit scores with driver responsibility and reliability. If you’re a driver living in Wichita and you have a poor credit score, you can expect to pay the following:

• State Farm: $2413 a year
• American Family: $2716 a year
• Farm Bureau: $2943 a year
• Allstate: $3067 a year
• Progressive: $3141 a year
• Farmers: $3859 a year

Teen drivers pay the highest insurance rates out of any demographic simply because they have the least driving experience. ValuePenguin found the most affordable quotes for teen drivers living in Wichita:

• American Family: $4113 a year
• State Farm: $4710 a year
• Farm Bureau: $5016 a year
• Allstate: $6822 a year
• Farmers: $7628 a year
• Progressive: $9079 a year

Even if you’re in a high-risk group, insurance companies offer several discounts that can help minimize your costs. If you bundle multiple cars on the same policy or bundle your car and home owner’s policies with the same provider, you’ll see a significant decrease in your rates. Teen drivers can qualify for good student discounts by maintaining a 3.0 GPA. Be sure to ask your agent about what discounts you might be eligible for.

Check this out if you need additional information, resources, or guidance on car insurance.

Sources:

Best Car Insurance Rates in Wichita, Kansas | quotewizard.com

Auto Insurance in Wichita, KS | benzinga.com

Kansas Car Insurance | allstate.com

Cheapest Auto Insurance Quotes in Wichita, Kansas | valuepenguin.com

Cheap Car Insurance in Wichita, Kansas | caranddriver.com

Full Coverage Insurance: Everything You Need to Know | caranddriver.com

Car Insurance | caranddriver.com

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