Kansas High Risk Auto Insurance
Automobile insurance requirements in Kansas are somewhat higher than in most states. There are 137 different insurance providers licensed in the state to underwrite auto insurance policies. Among the ones most likely to offer high risk car insurance at a reasonable rate are Economy, Geico, Nationwide, State Farm, and Progressive.
Higher Minimum Insurance Rates
Kansas minimum insurance requirements for automobile liability are Bodily Injury Liability of $25000 per person/$50000 per accident, Property Damage Liability of $10000, Uninsured/Underinsured Injury Liability of $25000/$50000, and Personal Injury Protection of $4500 medical and $900 work loss. Requirements also include $25/day for in-home services, $2000 for funeral expenses and $4500 for rehabilitation expenses. These requirements are much higher than many other states, but Kansas is a “no fault” state, meaning that your insurance will be responsible for paying your medical expenses no matter who was at fault up to a set minimum.
The addition of Underinsured/Uninsured insurance is $25000 per person and $50000 per accident.
Insurance Lapse Could Mean Suspended License
If insurance coverage lapses while a vehicle is registered in Kansas, the DMV can suspend the vehicle registration and require a $250 reinstatement fee before returning it. The state uses a combination of roadside spot checks, direct mail, and insurance provider updated database to verify coverage of all vehicles. In addition, a person can be fined $300 for failing to have proof of insurance in the car in the event of a traffic stop or an accident. Any of these infractions could result in the need for high risk auto insurance. It is important to do your research and understand you rights before shopping for your policy.