- Is Insurance on a Motorcycle Expensive?
- STATE REQUIREMENTS MOTORCYCLE INSURANCE IN KANSAS
- COST FOR MOTORCYCLE INSURANCE (FULL COVERAGE) IN KANSAS
- MOTORCYCLE INSURANCE DISCOUNTS IN KANSAS
- WHICH COMPANIES OFFER MOTORCYCLE INSURANCE IN KANSAS
- COST FOR MOTORCYCLE INSURANCE (LIABILITY ONLY) IN KANSAS
- MOTORCYCLE SAFETY TIPS IN KANSAS
- CHEAPEST MOTORCYCLE INSURANCE (BY CITY) IN KANSAS
- RATING FACTORS FOR MOTORCYCLE INSURANCE IN KANSAS
- HOW DO YOU GET A MOTORCYCLE LICENSE IN KANSAS?
- MOTORCYCLE LAWS IN KANSAS
- Is Insurance on a Motorcycle Expensive? And other FAQs about Kansas Insurance
- What We Do at A Plus Insurance
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 $25,000 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 Kansas | Average 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!
| 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 Kansas | Carrier with Best Rate |
| Parsons | Progressive |
| El Dorado | Geico |
| McPherson | Progressive |
| Leavenworth | Dairyland |
| Leawood | Geico |
| Ulysses | Dairyland |
| Coffeyville | Progressive |
| Lenexa | Progressive |
| Andover | Dairyland |
| Clay Center | Dairyland |
| Arkansas City | Geico |
| Hays | Progressive |
| Hutchinson | Progressive |
| Bonner Springs | Geico |
| Atchison | Dairyland |
| Olathe | Progressive |
| Mission | Farmers |
| Baxter Springs | The General |
| Haysville | Progressive |
| Concordia | Geico |
| Great Bend | The General |
| Hugoton | Progressive |
| Overland Park | The General |
| Shawnee | Dairyland |
| Derby | Progressive |
| Abilene | The General |
| Spring Hill | Progressive |
| Chanute | Geico |
| Wellington | Farmers |
| Eudora | Dairyland |
| Tonganoxie | Geico |
| Bel Aire | Progressive |
| Emporia | The General |
| Winfield | Dairyland |
| Lansing | Dairyland |
| Baldwin City | The General |
| Valley Center | Dairyland |
| Paola | Dairyland |
| Pittsburg | Geico |
| Louisburg | Progressive |
| Maize | Geico |
| Lawrence | Progressive |
| Junction City | Geico |
| Prairie Village | Progressive |
| De Soto | Farmers |
| Salina | Progressive |
| Colby | Farmers |
| Rose Hill | Geico |
| Edwardsville | Dairyland |
| Topeka | The General |
| Augusta | Progressive |
| Liberal | Progressive |
| Garden City | Progressive |
| Wichita | Progressive |
| Manhattan | Geico |
| Park City | The General |
| Goddard | Geico |
| Roeland Park | Geico |
| Osawatomie | Dairyland |
| Iola | Progressive |
| Wamego | Progressive |
| Newton | Dairyland |
| Pratt | Progressive |
| Fort Riley | Progressive |
| Ottawa | Dairyland |
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 Kansas | Price |
|---|---|
| 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.
| City | Price |
| 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
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!
Best Home and Auto Insurance Policies for New Homeowners
Best Home and Auto Insurance Policies for New Homeowners
- Progressive Bundle for Home and Auto Insurance: Save up to 20% by bundling home and auto insurance. Includes robust liability coverage and optional flood insurance for homeowners. Call us at 1.888.445.2793 to get your personalized quote.
- Allstate Comprehensive Home Insurance: Provides extensive protection for your home, personal property, and additional living expenses. Includes add-ons like identity theft protection. Text Us for more information.
- Dairyland Affordable Auto Insurance for New Homeowners: Ideal for homeowners with a vehicle. Offers competitive rates and flexible payment options. Call us at 1.888.445.2793 for an auto insurance estimate.
- National General Multi-Policy Discounts: Insure your home and car with National General to access multi-policy discounts. Includes optional roadside assistance for added value. Text Us to compare rates today.
- The General High-Risk Auto and Home Coverage: Perfect for new homeowners needing high-risk auto or home insurance. Provides flexible underwriting and competitive rates. Call us at 1.888.445.2793 to explore your options.
Is Insurance on a Motorcycle Expensive? And other FAQs about Kansas Insurance
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.
Are motorcycles hard to insure?
While motorcycles are not inherently difficult to insure, several factors can affect the ease and cost of obtaining motorcycle insurance. It’s important to assess your specific situation, consider your coverage needs, and shop for insurance providers that offer the best rates and coverage options for your motorcycle.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
| Other Insurance Guides For Kansas |
| SR-22 Guide Kansas |
| General Guide to Insurance in Kansas |
| Why Trust A Plus Insurance! |
Last Updated on by Brian Muse