Kansas car insurance

Need car insurance in Kansas? Whether you live in Wichita or Kansas City, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Kansas auto insurance, so you only pay for what you need.

In Kansas, it's illegal to drive without insurance. Drivers in Kansas are required to have

• Bodily Injury to others
• Property Damage Liability
• Uninsured/Underinsured Motorist Coverage
• Personal Injury Protection

Here are the minimum auto insurance limits drivers must have in Kansas.²

Yes, Kansas is a modified no-fault insurance state. In general, "no-fault" means that each person uses their own insurance to cover any injury related medical bills and costs due to an auto accident. In KS, this coverage is called Personal Injury Protection (PIP) and can be used regardless of fault. The minimum required is $4,500 per person.

PIP coverage in Kansas includes

• $4,500 per person for medical expenses
• $900 per month for one year for disability/loss of income
• $25 per day for in-home services
• $2,000 for funeral, burial or cremation expense
• $4,500 for rehabilitation expense
• Survivor Benefits: Disability/loss of income up to $900 per month for one year
• In-home services up to $25 per day for one year

Because KS is a modified no-fault insurance state, you may be able to also file a claim for pain and suffering against the at fault driver. There are restrictions, and you must have at least one of these situations as a result of the accident

• Medical expenses of at least $2,000
• Sustained a fracture to a weight-bearing bone
• Loss of a body part
• Permanent loss of a body function
• Significant scarring or permanent disfigurement
• Permanent injuries
• A displaced, comminuted, compression, or compound fracture
• Wrongful death

You should keep all these things in mind when you choose your coverage.

Liberty Mutual knows that everyone has different needs for their Kansas auto insurance. Some may want the cheapest Kansas car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Kansas car insurance, so you only pay for what you need.

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Getting the cheapest car insurance in Kansas may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴

Switch to Liberty Mutual for car insurance and you could save over $700⁵

Those are just a few of the ways we can help lower your car insurance costs.