Car Insurance in Shawnee

Stay within the law and drive with security in mind when you have the right car insurance in Shawnee to meet your needs.
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The Cost of Car Insurance in Shawnee

With a population of nearly 68,000 people, Shawnee, Kansas, is the seventh-largest community in the state. The diverse city is located in the northeastern part of the state and provides a range of natural and historic attractions, including Shawnee Mission Park and the Shawnee Indian Mission State Historic Site.

On average car insurance in Shawnee, Kansas, costs $1,203 per year for minimum coverage and $3,718 per year for full coverage. This is below the national average of $2,014. Despite having public transportation options provided by the Johnson County Transit System, 87.1% of residents use their own cars to get around town. This means finding the right coverage is very important.

Determining Factors in Car Insurance Premiums

Property crime is an important factor in determining how much you pay for car insurance in Shawnee. If you live in an area with a lot of vandalism, car break-ins or car thefts, expect to pay a higher premium. The property crime rate in Shawnee is 27.3 reports per 100,000 people, which is lower than the national average of 35.4 per 100,000 people and is favorable for your insurance policy.

Your driving record and how much you drive your car are also important. The better your driving record, the less you pay for your premium. If you are a new driver, you may pay more even if you have a clean driving record. Think about how much you use your car as well. The more often or the longer distances you drive, the more you can expect to pay.

The more expensive your vehicle is, the more expensive it is to insure. Some cars are also more likely to be stolen than others, which may factor in. Typically, the newer your car is, the less you'll pay, since it's more likely to have top-of-the-line safety and security features.

Some personal factors, such as your age, gender and credit score are used to determine a premium amount as well. Older drivers have fewer accidents and pay less. Women are less likely to get into accidents or drive under the influence, so they typically pay less. Finally, if you have a poor credit score, you pay more for car insurance. You can use VIU by HUB to help you compare quotes easily.

Insurance Requirements in Kansas

Kansas state requires drivers to carry robust minimum coverage plans.

  • Liability Coverage: You must have at least $25,000/person ($50,000/accident) for bodily injury and $25,000/accident for property damage.
  • Personal Injury Protection: You need to carry $4,500/person for medical expenses, one year's worth ($900/month) of disability/loss of income coverage, $25/day for in-home services, $2,000 for funeral expenses and $4,500 for rehabilitation expenses.
  • Uninsured/Underinsured Motorist Coverage: You should have at least $25,000/person ($50,000/accident).

It is also a good idea to consider collision and comprehensive coverage. Collision coverage protects you if you hit a guard rail or have a rollover accident. Comprehensive coverage protects you in situations such as natural disasters and is a good idea to have since Kansas is known for tornadoes.

Finding the right car insurance in Shawnee is vital for your security on the road. Luckily, you don't need to contact every company individually. Use VIU by HUB instead. The robust platform allows you to input some information and receive quotes from insurers in your area in just 30 seconds. Choose which one best meets your needs and an experienced insurance advisor will give you a quick call to finalize details and complete your policy.

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


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