Average annual car insurance premiums in the state of Kansas are $1,261 in 2011; rates are relatively lower than the national average of $1,440.
Annual Changes
Premiums in Kansas dropped 16% between 2009 and 2010, and this follows a reduction of 19% between 2009 and 2010. Insurers that offer policies in Kansas are free to set rates according to their own criteria and there is no state or industry regulation. Therefore, it is not possible to predict whether rates will rise or fall in the near future. Checking this site for trends as well as using it to obtain multiple quotes is highly recommended in order to find the best possible insurance rates.
Seasonal Changes
In 2010, Kansas auto insurance rates were relatively stable, except for a sharp drop in September that was quickly followed by a rise the next month. The rate then dropped again to reach the winter level which is still in effect as of January 2011. While the price at the end of 2010 was much lower than that in the beginning of the year, future years will not necessarily follow any particular pattern. Keeping track of rates and shopping around is therefore the best way to get the lowest prices for coverage in Kansas.
Insurance Requirements
Kansas is a no-fault state where insurance regulations require property damage insurance and personal injury protection coverage as well as bodily injury liability cover. The mandatory minimum level of coverage for property damage and no-fault injury insurance is $10,000 whereas $25,000 per person and $50,000 per accident bodily injury cover is mandatory in Hawaii. Mandatory no-fault personal injury limits are only $4500 medical coverage per person and $900 work loss coverage. The additional mandatory bodily liability insurance provides coverage when standard no-fault limits are reached or in the case of a permitted lawsuit that results in a judgment against the covered driver. Uninsured and underinsured motorist coverage is also mandatory, and minimum coverage is the same as for bodily injury cover. As all limits are relatively low, purchasing additional coverage is highly recommended for Kansas drivers.
Advice for Getting the Best Deals
Kansas auto insurance companies include regional and national insurers. Each company has its own criteria for determining the rates that apply to particular drivers and cars, so that it is not possible to determine which firm offers the best rates. Obtaining multiple quotes from reliable insurance companies that are rated A or higher by A. M. Best is highly recommended, and the J. D. Power consumer satisfaction ratings for each company should also be considered.
Drivers in Kansas can get the best possible auto insurance rates by using this site to check pricing information and to obtain multiple insurance quotes.
