AARP Kansas Car Insurance

Kansas car insurance
Pay as little as $119‡‡‡ a month in Kansas with the AARP Auto Insurance Program from The Hartford.

Car Insurance for Kansas Drivers

Whether you’re traveling the scenic byways of the Flint Hills or taking in the beautiful wildflowers of the northwest, there are many things to enjoy while on the road in the state of Kansas. As an experienced driver, you want to feel protected with Kansas auto insurance you can trust. You can get the peace of mind you need with the AARP® Auto Insurance Program from The Hartford.1
Since 1984, Kansas AARP members and their families have trusted the AARP Auto Insurance Program from The Hartford for their seguro para autos needs. With The Hartford, you can be sure your insurance quotes in Kansas come from an insurance company with high ratings for claims and customer service.

How Much Is Car Insurance in Kansas?

Our customers in Kansas pay an average of $1,427 a year, or about $119 a month, for car insurance.‡‡‡ Your car insurance cost is unique to you and may be different than the average. That's because insurance companies use different factors to determine costs, such as driving history, location and miles driven in a year.

Kansas Car Insurance Discounts

Some insurers offer discounts to drivers for completing a defensive driving course or for paying premiums in full. If you bundle your auto and home insurance policies with The Hartford, you can save up to 12% on auto insurance and up to 20% on home insurance in Kansas.** Our customers save an average of $813 after bundling their auto and home policies.**

Car Insurance Benefits Offered to Kansas Drivers

Kansas drivers could receive valuable car insurance benefits and discounts from the AARP Auto Insurance Program from The Hartford, including:
  • New Car Replacement: If you total your new car, your policy will help pay to replace it. We’ll make sure your car is replaced with a new vehicle of the same make, model and equipment. There will be no deduction for depreciation.§§
  • Accident Forgiveness: We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have clean driving records for five straight years with The Hartford, you’ll qualify for accident forgiveness.
  • Disappearing Deductible: Your collision deductible could be reduced over time, in most states, as long as you maintain a clean driving record.
  • 24/7 Claim Service: You can count on The Hartford to be there, no matter what time you call.

What Kind of Car Insurance Does Kansas Require?

In order to register and legally drive a car, you’ll need your Kansas auto insurance to include liability coverage. Kansas law requires liability insurance at the following state minimums:2
  • $25,000 per person per accident for bodily injury liability
  • $50,000 total per accident for bodily injury liability
  • $25,000 for property damage liability per accident

Is Kansas a No-Fault State?

Kansas auto insuranceYes, Kansas is a no-fault state. If you’re in a car accident in Kansas, each driver will file a claim with their own insurance company no matter who is at fault. You are required to have personal injury protection (PIP), also known as no-fault insurance in Kansas. This type of coverage helps pay for things like your medical expenses and lost wages after a car accident, no matter who is at fault.

Proof of Car Insurance in Kansas

Kansas state law requires you to show a copy of your car insurance ID card when requested by a police officer or other party if involved in a motor vehicle accident.
If you’re a licensed driver in the state of Kansas, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Kansas is also among several states that accepts electronic proof of car insurance. With The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™

Kansas Uninsured Driver Facts

According to a 2021 Insurance Research Council report, 10.9% of Kansas drivers are uninsured. This is below the national average of 12.6%.Kansas requires uninsured/underinsured motorist car insurance coverage to help with your medical bills after an accident caused by either an uninsured driver or a driver who does not have adequate auto insurance coverage. Your uninsured/underinsured motorist car insurance coverage in Kansas must have the following minimum coverage amounts:2
  • $25,000 per person
  • $50,000 per accident

Additional Car Insurance Coverages Available to Kansas Drivers

For added protection, Kansas drivers may also be eligible for the following auto insurance coverages from the AARP Auto Insurance Program from The Hartford:

Staying Safe on Kansas Roads

ks auto insuranceAs you travel through Kansas, there are a number of safe driving laws meant to keep drivers in Kansas safe. Here are just a few:4

Kansas Seat Belt Laws:

Kansas is one of 34 states that have a primary seat belt law, which means that law enforcement can ticket drivers in Kansas or passengers for not wearing a seat belt without any other traffic violation.

Kansas Distracted Driving Laws:

Kansas has a number of laws in place to discourage distracted driving, like:
  • New drivers in Kansas are not allowed to use hand-held or hands-free cell phones.
  • Texting while driving is banned in the State of Kansas.

Kansas Teen Driver Laws:

Getting a driver’s license is a rite of passage for teenagers, and Kansas wants to be sure they stay safe in the process. Kansas has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.

Kansas Car Insurance Quotes

To learn more about insurance requirements in Kansas or to get a quote, speak with one of our specialists at 888-546-9099 or get a cita online. We’ll help you find the best auto coverages to fit your individual needs.
Última actualización: 2 de abril de 2024
2 Kansas Insurance Department, “Auto Insurance”
3 Insurance Information Institute, “Facts + Statistics: Uninsured Motorists”
4 Governors Highway Safety Administration, “States”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
definición del seguro para automóviles

Explicación simple sobre el seguro para autos

Respuestas rápidas y definiciones de seguro para automóviles fáciles de entender pensadas para usted.
Para conocer más, visite nuestra página de definiciones del seguro para automóviles .
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.