get a kansas car insurance quote from esurance
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 stand to benefit all residents of the Sunflower State.
When you get a Kansas car insurance quote, CoverageMyWay® can help you prioritize the auto insurance coverage options that feel right for you — it's protection the smart way.
"Best of Service"
"The customer staff are very caring. They answer questions promptly and have helped in all my inquiries."
— Linda K.
"Beat all other pricing while not making me sacrifice my personalized coverage."
— Douglas F.
kansas car insurance discounts from esurance
From Wichita to Topeka, to anywhere in between, we're here to help Kansas residents save some cash the smart way 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).
Protect your stuff in addition to your ride when you add renters coverage onto your Esurance auto policy. See if you qualify for the Renters Plus discount when you get your quote.
free towing and labor coverage in kansas from esurance
Whether you experience a mechanical breakdown far from home, lock your keys in your car, or run out of gas — Esurance has your back with free towing and labor coverage on auto insurance policies in the Sunflower State.*** As long as you carry comprehensive and collision coverages, you can expect towing and labor to be automatically included on your Esurance policy at no extra cost to you.
You'll even get detailed status updates sent to your phone so you know your driver's name, phone number, when they're dispatched, and their estimated time of arrival. How's that for (free) convenience?
required auto insurance coverages in kansas
All car insurance policies in Kansas need to include 3 different coverage types:
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 liability coverage per person
- $50,000 in bodily injury liability coverage per incident
- $10,000 in property damage liability coverage per incident
These limits often appear as 25/50/10.
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.
- 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 insurance. The minimum limits you're allowed to carry are $25,000 per person, $50,000 per incident.
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.
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.
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.
So 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 protections can give you extra peace of mind if you ever need to file a claim:
- Medical payments
- Custom parts and equipment
- Auto loan/lease (or "gap")
If you're financing your car, collision and comprehensive may be required by your loan or leasing agent.
kansas car insurance rating factors
The following factors could impact your Kansas car insurance rates:
- Average annual mileage
- Driving record and claims history
- Insurance history, including lapses
- Gender, age, and marital status
- ZIP Code where your car is parked
- Year, make, and model of your car
- Coverages and limits you choose for your policy
- Discounts you may qualify for
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.
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.