Buy Cheap Kansas Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$10,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
$4,500 per person for medical costs. 85% of wages up to $900 per month for loss of income or disability. $25 per day for in-home services. $2,000 for costs pertaining to funeral, burial or cremation. $4,500 for rehabilitation costs
Uninsured Motorist
$25,000 limit per person / $50,000 limit per accident
Underinsured Motorist
Combined with uninsured motorist coverage
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Kansas Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No
No.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers with a Learner or Intermediate License cannot use a cell phone at all while driving.
Texting Ban:
Yes
Text messaging is banned for all drivers in Kansas.
DUI Laws
Buy Cheap Kansas Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
.15 or above
There's an increased penalty for driving with a BAC 0.15 or above.
1st offense Suspension:
30 days
Administrative license suspension on the 1st offense: In Kansas, law enforcers can confiscate a first-time offender's driver's license for 30 days if he or she exceeds the legal limit.
Ignition Interlocks:
Mandatory for all offenders
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Kansas made the installation of ignition interlocks mandatory for all offenders.
Repeat Offenders:
Yes
Minumum penalities for repeat offenders include suspension of driving privileges for no less than one year, impoundment or immobilization of any and all of the offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and a sentence of at least five days of imprisonment or 30 days of community service for a second-time offender. Third-time and further offenders can see at least ten days of imprisonment or 60 days of community service.
Open Container Law:
Yes
Transporting an open container of alcohol is an unclassified misdemeanor. A first offense can result in a fine of $200 and/or imprisonment for 6 months.
Graduated Drivers License
Buy Cheap Kansas Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 14 years of age, individuals can begin driving with supervision for a period of time lasting a minimum of twelve months. In this stage, the new drivers are required to get 50 hours of supervised driving hours, 10 of which need to be at night. At 15, new drivers can driver to and from work or school without supervision
Intermediate Stage:
Min. Age: 16
Night Driving Restriction: 9pm-5am (for the first 6 months)
Passenger Restriction: No more than 1 non-sibling (for the first 6 months)
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 9pm and 5am and cannot drive with more than one non-sibling passenger for the first six months.
Full Privilege Age:
Age: 16.5
(Full driver's license): At the age of 16 and 6 months, Kansas drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
75
MPH
SPEED LIMIT
75
MPH
Urban Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
70
MPH
Other Limited Access Roads:
SPEED LIMIT
70
MPH
SPEED LIMIT
70 MPH
Page Source: ghsa.org
Buy Cheap Kansas Auto Insurance in 2024
Department of Insurance
Website: www.ksinsurance.org/
Address: 420 S/W Ninth Street, Topeka, Kansas 66612-1678
Phone: 785-296-3071 or 800-432-2484 (In State)
Buy Cheap Kansas Auto Insurance in 2024
DMV Information
Website: www.ksrevenue.org/vehicle.html
Phone: 785-368-8222