Car Insurance in Kansas City, KS

Keep your car safe with the best car insurance in Kansas City, KS at the cheapest prices. 
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Keep Your Car Safe With Car Insurance in Kansas City, KS

Kansas City is a bustling place to live with quick access to the Kansas and Missouri Rivers. Residents who live in certain areas can take the bus system within the city. However, those who plan to frequent the rivers or drive to work on their own should expect to spend time on crowded city streets or I-35 or I-70

According to Data USA. the city itself has just over 155,000 people in it, with around 71,000 who are actively employed. Of these workers, 77.6% drive to work alone, 13.1% carpool and 6.08% work from home. That puts around 60,000 cars on the road daily. 

Residents who commute have a one-way trip of around 22 minutes. Car insurance for drivers in this city averages over $2,000 per month, which is higher than the state and national average. 

Required Car Insurance in Kansas City, KS

Kansas requires you to have bodily injury liability, property damage liability, personal injury protection and uninsured motorist coverage. The minimum limits for each are different. While you must have a policy with these minimums, you don't have to stop there. Using VIU by HUB to compare rates on additional coverage is a great way to protect yourself and your vehicle.

Bodily Injury Liability

Bodily injury liability is a must in Kansas. This pays out when you face a lawsuit after an accident. It pays for things like medical bills and legal fees so that you can protect your financial situation. Generally, you use it when you cause an accident to pay for the other party's expenses. Some of these expenses include:

  • Doctors visits
  • Hospital stays
  • Medical procedures
  • Medicines
  • Rehabilitation costs

If you only have minimum coverage, you will have to pay any additional costs out of pocket.

Property Damage Liability

Property damage liability is also a requirement in Kansas. This pays for damages you cause to someone's property if you cause a crash. That includes crashing into their car, house or mailbox. Property damage coverage commonly includes the cost to repair, replace or pay off an item. 

Personal Injury Protection

The type of insurance that protects you and your passengers in a crash is called personal injury protection. It covers things like medical expenses, in-home assistance, rehabilitation, funeral expenses and lost wages. 

Uninsured Motorist Coverage

You must also carry uninsured motorist coverage in Kansas. That protects you from drivers who don't have insurance. In addition, if someone who is underinsured hits you, you might not get enough from their insurance company to pay all of your medical bills, property repairs and rehabilitation costs.

Penalties for Uninsured Drivers

State laws require that you carry the required insurance. If you drive without proper insurance, you could lose your license and face other penalties. Driving without proper insurance is a misdemeanor, which can lead to jail time in Kansas. The most common penalties include fines, jail time, license suspension and higher insurance rates. 

VIU by HUB can help simplify your insurance search when you use our easy comparison tool to find the lowest rates on car insurance in Kansas City, KS. We make it easy to compare quotes from reputable insurers that will provide quality policies and find the best rates, no matter your age or driving record. Simply input your basic information and we'll find the comparisons for you.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Data USA

US Census Bureau


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