Kansas Auto Insurance FAQS
Which are the least expensive cities in Kansas to insure?
Auto insurance in Kansas is least expensive in cities such as Prairie Village, Junction City, Pittsburg, Salina, and Newton.
What is Kansas’s “no-fault accident system”?
Kansas follows a no-fault accident system. According to the no-fault system, your insurance coverage will pay for the expenses of anyone covered under the policy despite who caused the accident. The state has some minimum benefits available to someone making a no-fault claim. These are;
$4,500 for medical expenses made necessary by the accident (per person)
$900/month for disability/loss of income due to the accident (up to one year)
$25/day for home services, if you can’t work due to injuries
$2,000 for funeral, burial or cremation expenses (if the injured person passes away),
$4,500 for rehabilitation expenses.
The state also has a “serious injury threshold” which enables you to move out of the no-fault system and enables you to file a lawsuit against the person who caused the accident. Also, Kansas’s no-fault system doesn’t cover for vehicle damages after the accident. You can file a liability claim against the at-fault driver for the damages caused and there is no limit for this coverage.
Which are the most expensive cities in Kansas to insure?
Auto insurance in Kansas is expensive in cities such as Kansas City, Dodge City, Garden City, Liberal, and Wichita.