get a kansas car insurance quote from esurance

or call 1-800-378-7262

(24 hours a day, 7 days a week)

kansas car insurance

We know you're in the heart of tornado alley, Kansans, but that doesn't mean your car insurance premium needs to leave you feeling shaken. In fact, we're pretty confident that our affordable auto insurance rates, exceptional customer service, and easy-to-use website will benefit all residents of the Sunflower State.

When you get a Kansas car insurance quote, you'll get immediate access to our innovative online technology, like Coverage Counselor®. Our interactive car insurance guide will help you tailor your policy coverages and limits to fit your needs. Plus, every Esurance policy is built to save you time and money so that you can make the most of everything your wonderful state has to offer.

Kansas car insurance discounts from Esurance

From Wichita to Topeka, to anywhere in between, we're here to save Kansas residents some cash on their car insurance. Here are a few of our major money-savers:

  • Fast 5® discount
  • Claim-Free discount
  • Multi-Policy discount
  • Homeowners discount
  • Multi-Car discount
  • Defensive Driver discount
  • Good Student discount
  • Paid-in-Full discount
  • Switch & Save® discount

These discounts are subject to availability. If you're a current Esurance policyholder with questions about discounts in Kansas, give us a call at 1-800-ESURANCE (1-800-378-7262).

Required auto insurance coverages in Kansas

All car insurance policies in Kansas need to include 3 different coverage types:

  1. Liability insurance
    This helps pay for others' car repairs or medical expenses after an at-fault accident. Kansas requires drivers to carry these minimum limits:

    • $25,000 in bodily injury coverage per person
    • $50,000 in bodily injury coverage per incident
    • $10,000 in property damage coverage per incident

    These limits often appear as 25/50/10.

  2. Personal injury protection (PIP)
    This pays for medical expenses, lost wages, substitute services, and more for you and your passengers, regardless of fault in an accident. You're required to maintain a policy with at least the following limits:

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

    There are several different PIP plans available, which allow you to carry higher limits on the above coverages. If you don't have health insurance, exploring your options is especially important.

  3. Uninsured/underinsured motorist bodily injury coverage
    This can help pay for medical expenses if you and your passengers are hit by a driver who has a little or no coverage. The minimum limits you're allowed to carry are $25,000 per person, $50,000 per incident.

Settling injury claims after car accidents

Kansas follows no-fault guidelines when assessing bodily injury claims. That means that if you or a passenger is injured, you file a claim through your own insurer regardless of who caused the accident. Your policy's PIP coverage can help pay for medical expenses and more, up to the limits you select.

When no-fault doesn't apply

Kansas drivers (or their families) are permitted to seek damages in court if their medical bills top $2,000 or if the injured party suffered permanent or severe injuries or died as a result of the accident.

Settling property damage claims after car accidents

Kansas uses a comparative fault system. If another driver causes damage to your vehicle or property, you can seek repair or replacement payments through that person's insurance company.

If your car costs $500 to repair and the other driver is deemed 80 percent at fault, you could collect $400 from the other driver's insurer.

Optional car insurance coverages

These additional coverages will give you extra protection and peace of mind if you ever need to file a claim:

  • Medical payments coverage
  • Collision coverage
  • Comprehensive coverage
  • Towing and labor coverage
  • CarMatch Rental Coverage®
  • Custom parts and equipment coverage
  • Loan/lease gap coverage

If you loan or lease your car, collision and comprehensive coverage may be required by your loan or leasing agent.

Kansas car insurance rating factors

The following factors can impact your Kansas car insurance rates:

  • Average annual mileage
  • Driving record and claims history
  • Prior insurance coverage
  • Gender, age, and marital status
  • ZIP Code where your car is parked
  • Year, make, and model of your car

Digital proof of insurance rules in Kansas

Your state's signature sunflowers are pretty awesome and all, Kansans, but your law allowing electronic proof of insurance really has us abuzz. You can pull up your auto insurance ID cards on your phone or other smart device if you get pulled over and need to provide proof of coverage, saving a lot of residents time, hassle, and money.

And if you're an Esurance policyholder in the Sunflower State, you can get your ID cards, manage your policy, and more on our outstanding mobile app.

Related links

Kansas' official car insurance cheat sheet (PDF)
Fill this out before you start shopping to focus your coverage and pricing needs.

Kansas Insurance Department's official website
Get answers to coverage questions and stay current on insurance news in the state.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262