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CHEAP LIABILITY INSURANCE KANSAS: All about Liability Insurance in KS

By Marlon Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance

Auto Insurance, Now in 34 states!

CHEAP LIABILITY INSURANCE KANSAS: All about Liability Insurance in KS

By Marlon Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance

Minimum Liability Requirements for KANSAS

25/50/25 and Uninsured Motorist 25/50. That translates to $25,000 per person up $50,000 per accident and $25,000 in Property damage. But also Uninsured motorist coverage at the same limits.

CHEAP LIABILITY INSURANCE KANSAS – THE RIGHT FIT?

It’s no secret that we all want a great rate for everything. Insurance is no different! The key may just be to go Liability Only with your policy!

“IS IT SMART TO GO LIABILIITY ONLY OR AM I LEAVING MYSELF UNDERINSURED?”

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2024 cheap liability insurance kansas

When it comes to insurance, the key is to get the right coverage for you. For example, if you are driving a PAID OFF vehicle that is a bit older and worth a couple thousand then adding Comprehensive and Collision would be OVER-INSURING you!! Let’s illustrate it!

STORY TIME: This is Janet, she owns a 2004 Toyota and it is pushing 300,000 miles! The bluebook on this bad boy is less than $2,000! If she opts for Full-Coverage adding Comp/Coll to her policy with $1,000 dollar deductibles and she damages the car door…. will it be Totaled? Or worth the cost to repair the car? A Car worth nearly the same amount as the deductible to repair it? Liability Only may be the way to go in this instance.

Cheap Liability Insurance Kansas
To Liability Only or Not. That is the question
Cheap Liability Insurance Kansas
Rates for CO for Comparison

Check out the difference in the rates of LIABILITY ONLY and FULL COVERAGE! If you are making payments on your car, or a total loss of the vehicle would put you out dramatically getting full coverage is not the best option. Save yourself some money, take care of your clunker, and opt for Liability Only.

COST FOR CHEAP LIABILITY INSURANCE KANSAS

Geico$80
The General$82
Progressive Insurance$90
National General$94
AssuranceAmerica$95
Mendota Ins. Company$103
Dairyland$112
Acceptance RTR$117
Safeco$117
State Auto$120
Bristol West$121
American Family$122
Travelers$122
USAA$126
21st Century$127
Cheap Liability Insurance Kansas

Make no mistake however, Liability Insurance does cover quite a bit! If you are involved in an accident, your Cheap Liability Insurance in Kansas will pay $25,000 in Bodily Injury expenses! This isn’t a small amount. The state deemed this limit to be sufficient for the average driver. Thus caring the State Minimums is a great guide.

HOWEVER!

You may opt for greater limits! Why? Well, consider the fact that the Bodily Injury limit is $50,000 per INCIDENT. That may not cover a person’s full medical expenses if there are multiple inured parties. You may choose to raise your limits higher, surprisingly the cost isn’t always tremendous to raise these coverage ceilings.

Cheap Liability Insurance Kansas
Property Damage

The same applies to Property Damage, which the State Minimum limit is set at $25,000.

Look up the cost of cars around you now. Do you see many within the $25,000 dollar range? If so, your limits are right where they should be. BUT, the average car in this current climate is worth MUCH more. It may be prudent to raise those limits as well.

THANKFULLY Kansas requires drivers to carry UNINSURED MOTORIST COVERAGE, which covers your if you are hit by an uninsured driver. Which unfortunately happens more than we’d like to admit.

THUS, you may not need FULL COVERAGE, but you may opt to simply raise your current limits of liability to better cover you.

Insurance Cost Estimator for Cheap Liability Insurance Kansas


Should I Get Full CoverageCalculator


HOW MUCH WILL YOU PAY FOR CHEAP LIABILITY INSURANCE IN KANSAS?

The answer to this question boils down to A FEW FACTORS.

The Average driver may be paying something similar to the chart below. By it’s definition an average is the typical value in a set of data. What this data is comprised of is what you are interested in, because this impacts your rate. So even though the average below isn’t dreadfully off base, there are factors that’ll swing this higher or lower.

Progressive Insurance$80
Dairyland$81
National General$85
The General$87
Geico$107
Mendota Ins. Company$110
Bristol West$112
AssuranceAmerica$114
Nationwide$114
21st Century$125
State Farm$125
Allstate$130
USAA$135
Farmers$147
Acceptance RTR$148
Average Cost for Cheap Liability Insurance Kansas

As eluded to these figures don’t tell the whole story, to really know what you’ll be paying you have to key in on a few crucial pieces of information.

For Example, the price changes tremendously if YOU are a young driver as shown in the chart below:

National General$139
Progressive Insurance$142
Dairyland$144
Acceptance RTR$145
The General$156
Mendota Ins. Company$157
American Family$161
Bristol West$162
Farmers$163
21st Century$169
Allstate$171
GAINSCO$171
Liberty Mutual$174
AssuranceAmerica$178
USAA$180
Cheap Liability Insurance Kansas
YOUNG DRIVER LIABILITY ONLY

Why is this? Well the short answer is RATING FACTORS!

Ratings Factors are used by the insurance carriers to decide how much you will pay for your insurance. It isn’t all about the car, a lot of our monthly premiums lean heavily on the DRIVER.

What are these Rating Factors?

CHECK OUT THIS QUICK VIDEO THAT BREAKS IT DOWN

RATING FACTORS

As you can see in the above video, there are a few essential items that impact your rate. Age, Gender, Year/Make/Model of Car, Credit, and so much more. Notice the charts below, we are going to show you the GENDER price difference!

MALE DRIVERS – CHEAP LIABILITY INSURANCE KANSAS

Bristol West$150
Geico$153
Nationwide$156
The General$157
National General$161
Dairyland$163
Progressive Insurance$167
GAINSCO$172
Mendota Ins. Company$174
21st Century$182
AssuranceAmerica$182
Acceptance RTR$185
Farmers$188
State Auto$193
Travelers$193
Cheap Liability Insurance Kansas
MALE COMPARISON

The prices aren’t the worst, but this is for CHEAP LIABILITY INSURANCE IN KANSAS, not FULL COVERAGE. Clearly these prices are looking quite high, especially when compared to the Females. Notice the chart below:

FEMALE DRIVERS – CHEAP LIABILITY INSURANCE IN KANSAS

21st Century$131
Dairyland$137
AssuranceAmerica$139
Acceptance RTR$149
GAINSCO$149
The General$150
Bristol West$155
National General$155
Mendota Ins. Company$157
Progressive Insurance$159
Nationwide$163
Geico$166
Farmers$173
Travelers$177
Allstate$180
Cheap Liability Insurance Kansas
FEMALE DRIVER COMPARISON

Why the gap is premiums when it comes to male vs female? Well as the above video explains, young male drivers are statically more likely to get in a car accident. This

Cheap Liability Insurance Kansas: IS THERE A WAY TO BRING YOUR PRICE DOWN?

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KANSAS INSURANCE SAVINGS

The Short answer is YES.

How? Let’s break this down into Rating Factors that we can control, this is the key to winning at insurance!

A Rating Factor that heavily impacts your pocket is whether you have Good Credit or Bad Credit. Why?

Think about the kind of field this is, INSURANCE. The Carrier, be it Progressive, National General, The General, or etc. are promising to be there for you in the case of a catastrophe. But, don’t forget this is still a business and businesses have to make a Profit. Thus when deciding if someone is an ‘Insurable Risk’ you have to see if they are dependable. Are the bills being paid? Are there tremendous outstanding debts? Do they owe other insurance carriers a significant amount? These are just three items that can have an influence on your rate

If you haven’t already guessed it, we like charts. Notice below the difference in price between someone who has Good Credit and someone who has Bad Credit.

GOOD CREDIT

Progressive Insurance$128
Dairyland$133
GAINSCO$135
Mendota Ins. Company$138
Geico$141
The General$143
AssuranceAmerica$144
Bristol West$148
Acceptance RTR$153
Nationwide$158
State Auto$159
National General$166
21st Century$170
Farmers$171
Liberty Mutual$178
GOOD CREDIT – CHEAP LIABILITY INSURANCE KANSAS

BAD CREDIT

Progressive Insurance$155
Geico$158
The General$164
AssuranceAmerica$174
21st Century$175
Acceptance RTR$182
Dairyland$183
GAINSCO$184
National General$185
Bristol West$187
Farmers$187
Mendota Ins. Company$187
Nationwide$199
American Family$201
State Auto$203
BAD CREDIT – CHEAP LIABILITY INSURANCE KANSAS

To put it simply, improve your credit. Have a financial plan. This can be a great stepping stone to better rates. Are there anymore ways to improve your rate that you can control?

YES!

CLEAN DRIVING RECORD

Remember, the insurance company is taking a risk by insuring an individual. The hope is that nothing occurs, everyone is safe, and life is perfect! BUT, rarely does this occur. Accidents happen. Life isn’t perfect. Thus, so that an individual is not burdened by the financial full weight of a loss, insurance companies step in to bare the burden.

THAT BEING SAID, if you have accidents, violations, and claims on your driving history…. it is a RED FLAG to insurance companies. It is a signal that this person has a history of poor judgement. There is a higher statistical likelihood that the insurance carrier will be paying money for this person with a Bad Driving Record than a Clean Driver.

Dairyland$127
Nationwide$133
21st Century$136
The General$136
Progressive Insurance$141
Acceptance RTR$151
GAINSCO$152
AssuranceAmerica$157
Mendota Ins. Company$161
USAA$163
Bristol West$164
Geico$164
Safeco$165
National General$167
American Family$172
Cheap Liability Insurance Kansas
CLEAN DRIVER
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2024 cheap liability insurance kansas

ABOVE is a CLEAN Driver, now notice below:

Progressive Insurance$152
21st Century$158
GAINSCO$166
Dairyland$174
National General$176
Nationwide$177
Bristol West$178
Geico$180
The General$180
AssuranceAmerica$186
Mendota Ins. Company$188
Acceptance RTR$190
Travelers$200
State Auto$202
Farmers$217
Cheap Liability Insurance Kansas
Bad Driving Record

As you can see with just two rating factors you can improve or ruin your insurance rates. Good credit and clean driver = Lower Cost. When you really look at the chart the price different isn’t DRASTIC, but remember, there are upwards of 20 different rating factors that can help or hurt you. Pull them all together and what could that look like?

Male, 22, bad credit, multiple violations could be paying $439.00 monthly.

Female, 28, good credit, no violations could be paying $123.54 monthly.

There are other ways to save on your monthly premium and the is the WAY you PAY!

HOW MUCH IS CAR INSURANCE IN KANSAS PER MONTH?

As we’ve discussed cost can very greatly. Below is an average what what folks in Kansas are paying for cheap liability insurance.

The General$82
Progressive Insurance$83
Mendota Ins. Company$88
Dairyland$94
National General$108
USAA$109
Allstate$110
21st Century$112
Nationwide$114
AssuranceAmerica$115
American Family$122
Farmers$125
Liberty Mutual$128
Travelers$139
Bristol West$141
Cheap Liability Insurance Kansas
AVERAGE COST MONTHLY

BUT! Did you know the WAY YOU PAY has an impact on you premium for the full 6 months or year?

Certain Kinds of payment methods earn discounts that the insurance carriers happily dole out to smart insureds such as yourself! Check em out below:

PAY IN FULL: By the far the most economical way to pay. Pay in full means that you are paying your entire 6 month or 1 year policy in one shot. To insurance companies this screams commitment. Meaning after 2 and half months of the policy you’re not going to cut and run to another. You are paying your policy off, and not worrying about it for a year!

SAVINGS: Many carriers give discounts up to 15% when paying in full.

PAY BY EFT: This is the next most cost effective way to pay for your policy. Paying by EFT means you are paying monthly with an electronica transfer either with an ACCOUNT AND ROUTING NUMBER (Bigger savings) or by a CREDIT/DEBIT CARD.

SAVINGS: Many carriers give discounts up to 8% when paying by EFT.

Insurance Discount Calculator


Cost for Liability only in Kansas (by city)

CityPrice
Independence$107.00
Kansas City$93.00
Pratt$93.00
Ottawa$97.00
Mission$98.00
Wamego$98.00
Hays$92.00
Augusta$105.00
Fort Riley$97.00
Winfield$91.00
Haysville$106.00
Gardner$88.00
Clay Center$91.00
Baxter Springs$91.00
Iola$105.00
Goddard$94.00
Andover$104.00
Mulvane$109.00
Lawrence$107.00
Dodge City$102.00
McPherson$103.00
Abilene$97.00
Hugoton$87.00
Baldwin City$103.00
Paola$91.00
Topeka$90.00
Olathe$103.00
Ulysses$106.00
Leavenworth$107.00
El Dorado$96.00
Bel Aire$98.00
Roeland Park$101.00
Garden City$99.00
Salina$107.00
Park City$105.00
Shawnee$103.00
Manhattan$97.00
Emporia$100.00
Russell$106.00
Prairie Village$95.00
Coffeyville$102.00
Hutchinson$98.00
Arkansas City$98.00
Junction City$94.00
Wellington$90.00
Lansing$107.00
Overland Park$98.00
Leawood$107.00
Rose Hill$95.00
Chanute$110.00
De Soto$101.00
Wichita$93.00

Should I upgrade to full coverage in Kansas (by city)

CityPrice
Shawnee$175
Wellington$167
Chanute$166
Independence$181
Tonganoxie$171
Paola$179
Osawatomie$173
Gardner$175
Pratt$182
Lansing$146
De Soto$155
Park City$154
Valley Center$170
Louisburg$178
El Dorado$165
McPherson$148
Topeka$152
Bel Aire$154
Leavenworth$164
Edwardsville$174
Parsons$181
Andover$170
Olathe$162
Goddard$162
Ottawa$158
Russell$164
Bonner Springs$159
Ulysses$171
Kansas City$152
Prairie Village$168
Wichita$168
Derby$161
Dodge City$159
Salina$159
Goodland$164
Abilene$170
Rose Hill$153
Basehor$171
Overland Park$149
Mission$173
Fort Riley$175
Baxter Springs$164
Haysville$156
Coffeyville$182
Atchison$155
Arkansas City$170
Mulvane$157
Newton$178
Augusta$169
Clay Center$164
Colby$152
Leawood$166
Junction City$156
Fort Scott$159
Hutchinson$174
Maize$163
Spring Hill$175
Cheap Liability Insurance Kansas

Who has the lowest liability price in Kansas (by city)

CityCarriers
Arkansas CityThe General
EudoraGeico
PaolaGeico
Baxter SpringsThe General
Prairie VillageGeico
OsawatomieThe General
GardnerProgressive
HugotonThe General
Bel AireThe General
EmporiaProgressive
De SotoProgressive
Fort RileyThe General
AbileneLiberty Mutual
WellingtonThe General
LeavenworthProgressive
HutchinsonFarmers
GoodlandThe General
Great BendLiberty Mutual
Fort ScottGeico
LiberalProgressive
ManhattanGeico
IndependenceGeico
LouisburgGeico
LawrenceThe General
HaysFarmers
Overland ParkProgressive
ShawneeThe General
MerriamGeico
SalinaThe General
WichitaThe General
Bonner SpringsThe General
EdwardsvilleDairyland*
ColbyThe General
OlatheDairyland*
DerbyThe General
Rose HillBristol West
LenexaThe General
AugustaProgressive
ChanuteGeico
IolaThe General
PrattProgressive
LeawoodThe General
HaysvilleProgressive
OttawaProgressive
TopekaBristol West
El DoradoProgressive
UlyssesThe General
MaizeProgressive
LansingProgressive
RussellGeico
Roeland ParkProgressive
AndoverLiberty Mutual
Kansas CityProgressive
PittsburgFarmers
AtchisonProgressive
WinfieldThe General
Clay CenterGeico
MissionProgressive
Garden CityGeico
GoddardProgressive
WamegoProgressive
CoffeyvilleGeico
ParsonsGeico
Park CityDairyland*
Baldwin CityProgressive
McPhersonProgressive
ConcordiaLiberty Mutual
BasehorLiberty Mutual
Valley CenterNational General

Frequently Asked Questions About Cheap Liability Insurance in Kansas

Q1: What is liability insurance, and why is it important in Kansas?

A1: Liability insurance provides coverage for damages you may cause to others in an accident. In Kansas, liability insurance is mandatory for all drivers to ensure that they can cover the costs of injuries or property damage they may cause in a car accident.

Q2: How can I find affordable liability insurance in Kansas?

A2: To find affordable liability insurance in Kansas, you can compare quotes from multiple insurance providers, consider higher deductibles, maintain a good driving record, and inquire about any available discounts or savings opportunities, such as multi-policy discounts.

Q3: What are the minimum liability insurance requirements in Kansas?

A3: In Kansas, the minimum liability insurance requirements typically include coverage limits for bodily injury and property damage. It’s essential to meet these minimum requirements to legally drive in the state. However, you may choose to purchase higher coverage limits for added protection.

OTHER HELPFUL LINKS – CHEAP LIABILITY INSURANCE KANSAS

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Last Updated on by Alexis Karapiperis

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