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Car Insurance Cost Calculator
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Apr, 25, 2024
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You can use MoneyGeek's simple and user-friendly auto insurance calculator to calculate how much car insurance you'll need in Kansas.
We also examined how Kansas insurance companies decide their rates so you can understand how insurance rates are calculated and the elements that influence them.
Kansas Car Insurance Calculator: How it Gets You an Instant, Free Estimate
By supplying relevant personal information, a personalized car insurance quote in Kansas can be obtained in about 10–15 minutes.
MoneyGeek's car insurance calculator for Kansas can estimate your annual or monthly premiums based on your age, driving record, vehicle type and coverage levels.
According to our calculator, adding a teen driver, the driver's age and coverage levels have a huge influence on Kansas auto insurance premiums. However, your insurance premiums might be influenced by a different factor.
Although many factors are involved in the calculation, you can get a good approximation of the cheapest car insurance quote using MoneyGeek's calculator. American Family, with an average annual premium of $382, is the lowest widely available company for MoneyGeek's default driver.
It is possible for you to get a general idea of how to calculate your insurance premiums in Kansas and what the average rates will be by using our car insurance calculator or viewing our list of sample drivers who have the cheapest premiums in the state.
We also assessed the average cost of car insurance in Kentucky to that of other states to see how rates compare.
MoneyGeek also looked for companies that offer both high-quality service and low rates and came up with a list of the best car insurance companies in Kansas.
How Car Insurance Premiums are Calculated in Kansas
The cost of car insurance in Kansas is determined by a number of criteria, including your age, gender, vehicle type, driving history and coverage levels. Factors like a teen driver added to a family policy, the driver's age and coverage levels have the most impact on Kansas’s car insurance premiums.
In Kansas, adding a teen to an existing family policy can increase car insurance costs by as much as 3.1x.
How Much Adding a Teen Driver Matters in Calculating Car Insurance in Kansas
If you add a teen driver to your policy, you may see an increase in your premiums. Because of their inexperience on the road, insurance companies charge higher premiums for policies that include a minor driver.
Adding a teen driver to your auto insurance policy in Kansas will raise your rates the most. You can expect about a 3.1x increase in rates.
How Much Age Matters Matters in Calculating Car Insurance in Kansas
Your age is the second most important factor that affects the rates in Kansas. For the most part, the insurance premiums for young drivers and senior citizens are more expensive than those for middle-aged adults. Drivers who are 19 to 20 years old pay the highest premiums in Kansas, while drivers who are 40 years of age pay the lowest premiums.
Your insurance premiums can increase by up to 2.4x based on your age.
How Much Coverage Level Matters in Calculating Car Insurance in Kansas
Car insurance premiums in Kansas are also affected by the level of protection you purchase. While providing you with increased protection, increasing your insurance coverage will also cost you more money. In Kansas, a liability-only policy with state minimum limits is the cheapest option, while the highest annual rate is for full coverage car insurance with liability limits of 100/300/100 and a $500 deductible.
Your coverage level can impact your car insurance rates by up to 2.3x in Kansas.
How Much Credit Matters in Calculating Car Insurance in Kansas
Your credit score can have a significant impact on your Kansas auto insurance prices. Drivers with good credit tend to pay less than drivers with poor credit.
Your car insurance rates can vary by up to 2.2x depending on your credit score, with people with excellent credit paying less for car insurance than those with poor credit in Kansas.
How Much Car Model Matters in Calculating Car Insurance in Kansas
The model of your vehicle also has an impact on Kansas insurance rates. For example, because of the high repair costs and increased resale value, luxury car insurance is more expensive. In addition, some models are more vulnerable to theft and damage and may necessitate additional safety equipment. Sports cars are good examples.
Depending on the model of your car, your insurance rates can vary by 2x.
How to Calculate How Much Car Insurance You Need in Kansas
In Kansas, how much coverage you buy will greatly impact your insurance premiums. Determining how much coverage you require can make it easier to find a policy that balances cost and protection.
Every driver in Kansas is required by law to have bodily injury liability insurance, property damage liability insurance, uninsured/underinsured motorist insurance and personal injury protection.
Understand Kansas car insurance requirements
The Kansas state minimum policy mandates $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability per accident.
Kansas law does not require collision or comprehensive coverage. However, having comprehensive and collision insurance can cover damage caused to your car and prevent financial damages.
Consider Purchasing Additional Liability Insurance
Even if you have state minimum liability insurance, you will receive limited protection in the event of an accident. After a major accident, you may need more liability insurance to cover the damages. In Kansas, the average cost of minimum liability insurance is $423 a year. Your annual premium will increase to roughly $495 if you get a $300,000 bodily injury liability insurance coverage.
Decide whether or not to buy comprehensive and collision insurance
Kansas does not mandate drivers obtain collision and comprehensive coverage. However, if you are leasing or financing your vehicle, this may be required. Consider whether or not you need full coverage insurance because it protects you in the event of a loss or damage to your vehicle.
With a $1,000 deductible, adding comprehensive and collision insurance in Kansas typically costs $401 per year. On the other hand, it may not make sense to increase your coverage and pay hundreds of extra dollars per year for a car that isn’t worth that much.
Consider buying additional protection besides these core coverages
The state of Kansas mandates uninsured/underinsured motorist coverage. In Kansas, the percentage of uninsured motorists is 10.9%, which cannot be ignored. The state requires drivers to have $25,000 per person in uninsured/underinsured coverage with $50,000 per accident.
Personal injury protection (PIP) insurance is mandatory in the state of Kansas. $4,500 for medical expenditures per person, $900 per month for one year for disability/income loss, $25 per day for in-home services, $2,000 for funeral, burial or cremation expense per person and $4,500 in rehabilitation expenses per person are covered as per the state minimum PIP insurance.
Frequently Asked Questions About How Car Insurance is Calculated in Kansas
Here are some frequently asked questions and the corresponding answers about Kansas car insurance. If you know what factors go into determining your premium, you can save money on your auto insurance.
You can estimate your Kansas auto insurance premiums with MoneyGeek's car insurance calculator. You may receive a vehicle insurance quote customized to you by submitting relevant personal information.
In Kansas, insurance rates are determined by a variety of factors. The addition of a teen driver to a policy as well as the driver's age and coverage levels all have a major influence on Kansas’s car insurance premiums.
While state law stipulates the minimum amount of car insurance required, the coverage you require may significantly vary. You must learn about your state's minimum coverage requirements and then evaluate your own coverage requirements.
Methodology
MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across Kansas. Our data science team analyzed how personal factors impacted cost and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.
About Mark Fitzpatrick
