Motorcycle Insurance Kansas

Is Insurance On A Motorcycle Expensive
MOTORCYCLE INSURANCE – KANSAS

Is Insurance on a Motorcycle Expensive?

If A Plus Insurance has anything to say about it…It doesn’t have to be!

STATE REQUIREMENTS MOTORCYCLE INSURANCE IN KANSAS

Is insurance on a motorcycle expensive? If you keep your coverage to a bare minimum…it might not be expensive at all.

At the very least however, make sure your insurance meets the state requirements.

In Kansas, Motorcycle owners are required to purchase at least the minimum liability limits of:

$25,000 per person for bodily injury, up to $50,000 per accident, and $10,000 for property damage.

Of course, you can choose to alter your liability coverage and opt for higher limits if desired! Most homeowners consider liability limits of at least 100/300/100 because you want to make sure that you are properly covered in the event of an accident. Your liability will cover for what you are liable for or (At Fault), so having the appropriate coverages are important.

COST FOR MOTORCYCLE INSURANCE (FULL COVERAGE) IN KANSAS

But what if you need more than the liability limits…is insurance on a motorcycle expensive then?

How much is motorcycle Insurance per month, on average, for full coverage?

The cost will vary upon several rating factors, but the type of coverage being a main factor. If you are purchasing a brand new bike, or financing, of course you will want your bike to be covered against anything that should happen, right?

If you purchase full coverage, that will consist of Comprehensive (theft, fire, vandalism, glass), and Collision (impact with another object/vehicle). This will protect your bike from just about any instance that were to occur.

You can also add additional coverages such as Roadside/Trip Interruption, and Rental Reimbursement. Yes it might be more expensive than liability only, but the average cost for full coverage on a Motorcycle is still generally much cheaper than car insurance.

Is Motorcycle Insurance Expensive? See the Average Monthly Rates for Full Coverage to decide for yourself:

City In KansasAverage Full Coverage Rate
Kansas City$213
Wamego$177
Colby$195
Olathe$202
Emporia$197
Chanute$228
El Dorado$192
Garden City$228
Shawnee$226
Bonner Springs$218
Liberal$176
Great Bend$232
Abilene$204
Winfield$189
Ulysses$226
Fort Scott$211
McPherson$222
Eudora$223
Tonganoxie$217
Hugoton$222
Baxter Springs$215
Parsons$213
Valley Center$223
Salina$236
Leawood$192
Coffeyville$237
Paola$220
Fort Riley$227
Ottawa$175
Pratt$197
Clay Center$217
Arkansas City$205
Topeka$229
Rose Hill$217
Mulvane$198
Baldwin City$184
Haysville$195
Russell$177
Newton$175
Wichita$193
Lenexa$185
Manhattan$233
Pittsburg$191
De Soto$226
Osawatomie$235
Dodge City$228
Augusta$211

MOTORCYCLE INSURANCE DISCOUNTS IN KANSAS

We all love a good discount that can lead to instant savings! Many Insurance companies offer discounts to provide their customers with more affordable prices. Many common discounts include Paperless, Auto Pay, EFT/Pay In full, Continuous Insurance discount, and Married/Education Discount.

You may be eligible for other discounts if you’ve taken an Approved Safety Course, have a MC Endorsement on your license, and are Affiliated with a Motorcycle Group. Many Insurance companies find that drivers associated with riding groups are safer drivers and are more likely to uphold etiquette driving.

So if you are wondering is insurance on a motorcycle expensive…make sure you research your discount opportunities!

Not sure which discounts you qualify for? Talk with one of our Insurance agents about discounts available to you for instant savings!

Motorcycle Insurance Discounts Available
Approved safety course
LoJack device
Paperless
Education discount
Motorcycle Rider Group Discount
HOG Discount
Married discount
PIF Discount
EFT Discount
Garaged or locked storage
Association membership
Years of riding experience
Advanced quote
Prior insurance
Homeownership Discount
Responsible driver
MC Endorsement on License
Vehicle usage & Mileage
Operator’s Education Course
Anti lock brakes
Operators Safety Course
Continuous Insurance Discount

WHICH COMPANIES OFFER MOTORCYCLE INSURANCE IN KANSAS

Not all companies offer Motorcycle Insurance, but rest assured, we work with some of the best, most affordable companies that DO offer Motorcycle Insurance.

We may even be able to get your motorcycle policy bundled with another product, such as Home Insurance, or Auto Insurance for additional savings.

When you bundle more than one product with an Insurance company, you are more likely to stay Insured with that company for longer, than just having a single policy. Insurance companies recognize this, and in return they offer you cheaper prices and discounts.

Check the graph below to see which Insurance companies offer Motorcycle Insurance, and be sure to check out the ratings from JD power and AMs best. Sometimes, going with the cheapest option is not always in your best interest.

Insurance Companies Offering Motorcycle Insurance

Geico$108.00
Progressive Insurance$101.00
Dairyland$106.00

Best Rates by City in Kansas

Cities of KansasCarrier with Best Rate
ParsonsProgressive
El DoradoGeico
McPhersonProgressive
LeavenworthDairyland
LeawoodGeico
UlyssesDairyland
CoffeyvilleProgressive
LenexaProgressive
AndoverDairyland
Clay CenterDairyland
Arkansas CityGeico
HaysProgressive
HutchinsonProgressive
Bonner SpringsGeico
AtchisonDairyland
OlatheProgressive
MissionFarmers
Baxter SpringsThe General
HaysvilleProgressive
ConcordiaGeico
Great BendThe General
HugotonProgressive
Overland ParkThe General
ShawneeDairyland
DerbyProgressive
AbileneThe General
Spring HillProgressive
ChanuteGeico
WellingtonFarmers
EudoraDairyland
TonganoxieGeico
Bel AireProgressive
EmporiaThe General
WinfieldDairyland
LansingDairyland
Baldwin CityThe General
Valley CenterDairyland
PaolaDairyland
PittsburgGeico
LouisburgProgressive
MaizeGeico
LawrenceProgressive
Junction CityGeico
Prairie VillageProgressive
De SotoFarmers
SalinaProgressive
ColbyFarmers
Rose HillGeico
EdwardsvilleDairyland
TopekaThe General
AugustaProgressive
LiberalProgressive
Garden CityProgressive
WichitaProgressive
ManhattanGeico
Park CityThe General
GoddardGeico
Roeland ParkGeico
OsawatomieDairyland
IolaProgressive
WamegoProgressive
NewtonDairyland
PrattProgressive
Fort RileyProgressive
OttawaDairyland

COST FOR MOTORCYCLE INSURANCE (LIABILITY ONLY) IN KANSAS

What is the average cost for liability Insurance on a Motorcycle in Kansas? With applied discounts, and our agents expertise, we are confident we can find you an Insurance policy for liability coverage that won’t break the bank.

We quote with several Insurance companies to find our customers the best coverage, for the best price. The cost for liability is generally very cheap, in comparison to Auto Insurance, because the cost for a Motorcycle is on average a lot less than an automobile.

That’s not to say your Motorcycle is on the low end, price wise, but most are cheaper than a 4 wheeled vehicle. Some vehicles are worth more than houses these days.

Average Annual Cost for Liability only Motorcycle Insurance in Kansas

City in KansasPrice
Mulvane$133.00
Lenexa$130.00
Winfield$131.00
Clay Center$99.00
Hugoton$118.00
Derby$116.00
Roeland Park$109.00
Andover$120.00
Olathe$119.00
Wichita$123.00
Colby$100.00
Pittsburg$111.00
Eudora$123.00
Gardner$105.00
Hutchinson$120.00
Bonner Springs$98.00
Spring Hill$122.00
Louisburg$128.00
Paola$121.00
Hays$129.00
Abilene$113.00
Wellington$129.00
Emporia$129.00
Newton$121.00
Shawnee$132.00
Russell$122.00
Topeka$120.00
Overland Park$122.00
Ottawa$133.00
Maize$123.00
De Soto$114.00
Lansing$100.00
Atchison$122.00
Independence$99.00
Salina$113.00
Concordia$114.00
Valley Center$106.00
Tonganoxie$113.00
Augusta$108.00
Wamego$115.00
Rose Hill$123.00
Baldwin City$109.00
Bel Aire$130.00
Leavenworth$107.00
McPherson$123.00
Park City$122.00
Edwardsville$127.00
Liberal$111.00
Prairie Village$99.00
Baxter Springs$97.00
Mission$110.00
Merriam$112.00
El Dorado$130.00
Dodge City$117.00
Pratt$98.00
Goddard$107.00
Osawatomie$98.00
Junction City$118.00

MOTORCYCLE SAFETY TIPS IN KANSAS

Looking for tips to keep yourself and others safe on the road? We recommend starting off by checking your motorcycle before each trip. This included checking your tires, blinkers and headlights before hitting the pavement.

Make sure you know what the weather forecast is so you aren’t caught out in the middle of bad weather. Always practice proper driving etiquette by safely passing, using turn signals, and leaving at least 3 car lengths between you and the other driver on the road.

Make sure to carry the proper Information with you, such as Registration, License and Insurance documents in the event you get pulled over. We recommend you wear your Motorcycle gear such as boots, leather jacket, and safety gloves.

As you can see, safety is about preparing ahead of time for an accident.

CHEAPEST MOTORCYCLE INSURANCE (BY CITY) IN KANSAS

Why does your location matter when it comes to Insurance prices? If an area is heavily populated, that generally means more drivers on the road, and more accidents. The cost of Insurance will be higher in the heavily populated towns and cities because of this fact.

Generally, the more accidents there are, means more claims. The more claims made means more money Insurance companies are paying out to their insureds.

If Insurance companies pay out a large amount one year, they may have to increase their prices to be able to afford the claims. Keep the Insurance prices down for every one by driving safe, and avoiding accidents.

Check below to find out what the average cost for Motorcycle Insurance is by city, in Kansas.

CityPrice
Garden City$120.00
Overland Park$104.00
Fort Scott$117.00
Maize$99.00
Independence$104.00
Hays$113.00
Wellington$126.00
Parsons$127.00
Osawatomie$130.00
Manhattan$117.00
Baxter Springs$97.00
Bel Aire$134.00
Gardner$117.00
Dodge City$135.00
Derby$129.00
McPherson$128.00
Wichita$96.00
Ottawa$107.00
Spring Hill$121.00
Iola$104.00
Edwardsville$97.00
Shawnee$134.00
Pittsburg$135.00
Basehor$127.00
Colby$110.00
Fort Riley$108.00
Lenexa$122.00
Hutchinson$126.00
Hugoton$119.00
Kansas City$114.00
El Dorado$129.00
Prairie Village$118.00
Rose Hill$106.00
Abilene$128.00
Russell$130.00
Augusta$135.00
Baldwin City$115.00
Haysville$124.00
Roeland Park$128.00
Great Bend$116.00
Goddard$103.00
Merriam$116.00
Pratt$103.00
Winfield$128.00
Salina$120.00
Chanute$96.00
Clay Center$123.00
Mulvane$102.00
Eudora$123.00
Park City$103.00
Leawood$108.00
Emporia$121.00
Arkansas City$103.00
Wamego$129.00
Liberal$117.00
Paola$100.00
De Soto$104.00
Leavenworth$133.00

RATING FACTORS FOR MOTORCYCLE INSURANCE IN KANSAS

Rating factors are used to determine a risk, or the Insured, by Insurance companies. Insurance companies need to determine if the customer they are going to be insuring will be low risk (more favourable) and higher risk.

Some factors may include; Gender, Age, Location, Driving Experience/History, Coverages, etc.

If you are an experienced driver, with no driving violations your cost for Insurance will likely be very cheap! Check with the Insurance provider you are with to see if they offer discounts for approved safety courses.

If you have had an accident, or violation you may be able to get the points reduced by completing an approved course. On Average, an At Fault Accident can raise your insurance by over $100 each month!

If you can take a class to get that removed, you will save thousands on your Insurance premium over the years, until that accident falls off your record.

HOW DO YOU GET A MOTORCYCLE LICENSE IN KANSAS?

In Kansas, you must be at least 14 years old to apply for a Motorcycle permit, which is valid for 1 year, with a parent signature. You must then visit a County Treasurer’s office and pass a vision screening, pass a written knowledge test or Approved Safety course, and provide proper Identification.

The cost for a Motorcycle License for drivers under 21 years old is $20. Ages 21-65 years old is $12, valid for 6 years, and ages 64 and older cost $9, valid for 4 years. Military personnel in Kansas are permitted to waive the written and driving exams, and only need an MSF motorcycle safety course certificate.

MOTORCYCLE LAWS IN KANSAS

Motorcycle Safety
Kansas law requires that riders wear a helmet! Click to enlarge

All drivers under age 18 in Kansas are required to wear helmets, and encouraged to wear eye protection. Random equipment inspections are performed, so you must have working turn signals and a rearview mirror on the left side. Daytime headlights are also required.

Lane splitting is illegal in Kansas, although there are some nuances to lane splitting, filtering and lane sharing. Questions about lane splitting?

The most important is you must carry at least the Minimum Liability limits for Insurance and have a valid Motorcycle License while operating. Did you check all of those things off the list? Yes? Then you are free to enjoy the open road!

Is Insurance on a Motorcycle Expensive? And other FAQs about Kansas Insurance

Is Insurance On A Motorcycle Expensive

Is it cheaper to insure a motorcycle or a car?

On average, the cost for Motorcycle Insurance is much cheaper than Auto Insurance. This may vary in some cases, depending upon the driver, the type of Motorcycle/car and coverages desired

Is Insurance cheaper on bikes? 

Bikes are generally worth less than an automobile, so the cost for Insurance is much more affordable

How to get Motorcycle Insurance? 

Motorcycle Insurance will cover the other party’s bodily injury expenses and property damage if you are liable for an accident. If you have selected full coverage, that will cover damage to the bike. 

Why is my motorcycle Insurance so expensive?

If you are paying more than what you think you should for motorcycle Insurance, you may want to shop around for cheaper rates. Generally, Insurance on a motorcycle should be affordable, but that does vary depending upon the driver, location, type of motorcycle and coverages. 

Other Insurance Guides For Kansas
SR-22 Guide Kansas
General Guide to Insurance in Kansas
Why Trust A Plus Insurance!

Last Updated on February 11, 2022 by Veronica Moss