Auto Insurance Minimums for Kansas

The state of Kansas requires that all drivers have a minimum of 25/50/10 in liability coverage.  This ratio translates to $25K of Liability Bodily Injury per person, $50K of Liability Bodily Injury coverage per accident, and $10K of Property Damage coverage per accident.  Liability insurance is there to protect  you from loss resulting from civil liability of injury damage to others and it doesn’t have to be over-the-top expensive so long as you take time to shop for auto insurance quotes; this way you can find the best deal and keep yourself out of an expensive and potentially painful situation.

Aside from the standard ratio of coverage, Kansas also requires that drivers have Person Injury Protection (PIP) and uninsured/underinsured motorist coverage in the amount of 25/50; this ratio translates in a similar fashion as the previous.  This all breaks down into a certain number, but the Kansas Insurance Department still recommends that drivers purchase more than the legal limit for coverage.  More than 15% of Kansas state motorists are uninsured; this number does not include drivers that are inadequately insured.  In other words, significantly more than 298,087 drivers defy the state laws.

If you decide to drive without insurance, you are risking a lot to say the least.  If you are caught driving without insurance in Kansas, you will be charged with a class B misdemeanor and can be fined up to $1000.  In addition you have to maintain an SR-22 filing with the Driver Control Bureau for a period of twelve consecutive months.  If you can’t pay the fine you may spend up to six months in jail.  In the case of multiple offenses, you will be charged with a Class A misdemeanor and can be fined up to $2500 in fines with the potential of more jail time.

Getting auto insurance quotes and then purchasing insurance is easy.  You just need to take the time to do the necessary quote comparison, which won’t take long at all if you do it online.  On average, Kansas state drivers spend $1,479 on auto insurance each year.  This is nothing compared to the financial and emotional risk you run when driving without adequate coverage.

Kansas DUI Law

Kansas DUI laws are extremely severe, and include mandatory jail term and license suspension for first time offenders. The state also has a zero tolerance policy when it comes to drivers under the age of 21. Following a DUI, drivers may not drive with an unrestricted license for a year.

The blood alcohol content limit (BAC) for Kansas is 0.08% or higher. If you are arrested for a DUI, you may not apply for a limited license until one month has passed. You will have to pay a fine between $500 and $1000, your vehicle may be impounded for up to a year, and you will serve a minimum of 48 hours in jail. In addition, you may be forced to enter alcohol treatment.

Kansas Teen Driving Laws/Auto Insurance Requirements

More than 7,000 teens are in automobile collisions every year in the state of Kansas. This is why Kansas has adopted the Graduated Driver Licensing (GDL) system.

The GDL in Kansas addresses teen drivers between the ages of 14 and 16. When teens turn 14 they may apply for a learner’s permit by taking a vision test and providing proof of certification from a driver education course. After one year, they may then apply for a restricted license.

In order to receive a restricted license, a teen must be at least 15 and have parental approval to obtain this license. At 16 a teen may apply for an unrestricted license, as long as he or she has kept a clean driving record, has completed 50 hours of supervised driving, has taken a driver education course and passed a written/road test.

In Kansas, teens that drive with a BAC of 0.02% or higher are considered driving under the influence, and may face license suspension.

All drivers in Kansas must carry the minimum amount of insurance required by the state. This includes teens. Because teens are more likely to be involved in accidents than other age groups, they are advised to carry more than the minimum amount of coverage. Teens can lower their auto insurance quotes by enrolling in driver safety courses and maintaining a B average.