Car Insurance in Lenexa, KS

Car accidents can happen to anyone, especially when road conditions are less than ideal, such as during heavy rainstorms. A good car insurance policy can shield you from large financial losses whether you are involved in a high-speed collision on I-435, a fender-bender on 95^th Street, or anything in between.

It is easy to find the best and most affordable auto insurance when you work with a local independent agent. These agents can provide you with customized quotes from some of the area's most reliable car insurance companies. Find an independent insurance agent with an office in Lenexa to learn more.

How Much Does Car Insurance Cost in Lenexa, KS?

The good news for residents of Lenexa is that the average cost of car insurance rates in Kansas is lower than the national average rate.

• National average annual car insurance cost: $1,311
• Kansas average annual car insurance cost: $1,147

Of course, averages can only give you a ballpark idea of what you will actually be expected to pay. Car insurance costs tend to vary significantly from one driver to the next because they are based on several considerations such as:

• Your automobile's make, model, year, condition, and value
• Your age, occupation, and driving record
• Information about any other licensed drivers in your household
• Whether you own or rent your home
• Your claims history and credit score
• The amount of liability coverage you are purchasing
• The coverage options you want to include in your policy
• The size of your deductible

Comparing rates from a few competing insurance providers lets you choose the policy that offers the coverage you want at the lowest price.

How Can I Earn Car Insurance Discounts in Lenexa, KS?

Nobody wants to pay more than they have to for car insurance, so finding car insurance discount opportunities is beneficial for drivers in Lenexa.

Most insurance companies offer significant rate reductions to policyholders who bundle their car insurance with other policies such as home insurance or renters insurance. Other potential discounts you may find include lower premiums for policyholders who:

• Are insuring multiple vehicles
• Have a long, safe driving record
• Are members or veterans of the armed services
• Are students with good grades
• Have vehicles with certain anti-theft or safety features

Independent agents can help you be certain that you receive any available discounts for which you qualify.

Is Car Insurance Required in Lenexa, Kansas?

Kansas is a no-fault state, so if you or your passengers are injured in a collision, your car insurance will provide the first line of coverage for your injuries, regardless of who was at fault.

To comply with Kansas law, vehicle owners in Lenexa must have a policy that meets or exceeds the state's minimum coverage requirements. This means your policy must include:

• Personal injury protection insurance: This coverage, often referred to simply as "PIP," pays for medical treatments, lost wages, and other related expenses if you or your passengers are injured in a collision, regardless of fault. Your policy must provide, at a minimum:
  • $4,500 for medical expenses per person
  • $900 a month for lost income for up to one year
  • $25 a day for at-home services
  • $4,500 for rehabilitation expenses per person
  • $2,000 for funeral expenses per person
• Liability insurance: This pays for other people's property damage and any medical bills and lost wages that go beyond what their PIP coverage can pay for if you cause a collision. Your policy must include, at a minimum:
  • $25,000 in bodily injury liability coverage per person
  • $50,000 in bodily injury liability coverage per accident
  • $25,000 in property damage liability coverage per accident
• Uninsured motorist insurance (UIM): This pays medical bills for you and your passengers if you are injured in a collision caused by an uninsured driver. Your policy must include, at a minimum:
  • $25,000 in UIM bodily injury coverage per person
  • $50,000 in UIM bodily injury coverage per accident
  • UIM property damage coverage is not required, and it is not necessary if you have collision insurance.

A local independent agent can ensure that your policy meets or exceeds the state's minimum coverage requirements.

What Else Does Car Insurance Cover in Lenexa, KS?

In addition to the state-mandated coverage mentioned above, your auto insurance provider will likely offer several coverage options. Some of the options you may want to include in your policy are:

• Physical damage insurance: This covers loss or damage to your vehicle. Though not required by law, it is usually required by lenders if you are still paying for your car and by dealerships if you are leasing it. Physical damage coverage includes:
  • Collision coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
  • Comprehensive coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
• Windshield and glass replacement insurance: This covers the cost of replacing cracked or broken safety glass in your car's windshield, sunroof, or windows. In many cases, this coverage comes with a low or no deductible.
• Gap insurance: This can pay off your car loan or buy out your lease if your vehicle is totaled in a covered event and you still owe more than it is worth.
• Roadside assistance and towing insurance: This covers the cost of a service call if your car breaks down, such as if you have a blown gasket or you get a flat tire, and you need to call for help.
• Rental car reimbursement insurance: This covers the cost to rent a car while yours is being repaired for damage sustained in a covered event.
• Umbrella insurance: This is a separate policy that is designed to supplement the liability coverage provided by your car insurance. It enables you to affordably boost your all personal liability coverage well beyond the limits of your primary policies.

An independent agent can help you review coverage details and costs of each of your options so you can determine which available choices are a good fit for you and your family.

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What Is the Penalty for Driving without Insurance in Lenexa, KS?

In Kansas, driving without insurance is a Class B misdemeanor. It can result in consequences including:

• A fine for driving without insurance
  • $300 to $1,000 for a first offense
  • $800 to $2,500 for a second or subsequent offense
• Possible incarceration
  • Up to six months for a first offense
  • Up to one year for a second offense
  • One to two years for a third or subsequent offense
• Suspension of your driver's license and vehicle registration
  • Until you provide proof of insurance for a first or second offense
  • For three years for a third or subsequent offense
• A reinstatement fee to get your driving privileges back
  • $100 for a first offense
  • $300 for a second offense
  • $600 for a third or subsequent offense
• The requirement to maintain an SR-22 certificate for three years
• Higher car insurance rates for at least three years

Additionally, if you cause a collision while driving without insurance, you are responsible for compensating other people for any injuries or property damage you may have caused.

Due in no small part to this state's harsh penalties, the uninsured driving rate is about half the national rate.

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Kansas drivers who are uninsured: 7.2%

Uninsured motorist insurance was created to ensure that if you are in a collision caused by an uninsured driver, you can quickly receive the compensation you are due without going through lengthy legal channels.

Does Lenexa Car Insurance Cover against Auto Theft?

The auto theft rate in Kansas is higher than the national rate, but the rate is lower in Lenexa. On average, residents of this city report 94 stolen vehicles a year.

• National auto theft rate per 1,000 vehicles: 2.29
• Kansas auto theft rate per 1,000 vehicles: 2.69
• Lenexa auto theft rate per 1,000 vehicles: 1.53

Though your risk is low in this city, you should be aware that you can only be compensated for a stolen vehicle if your car insurance policy includes comprehensive coverage.

If you are financing or leasing your vehicle, chances are good you have comprehensive coverage already. If not, you may want to look into how much it would cost to add this optional coverage to your car insurance policy.

What Are the Best Car Insurance Companies in Lenexa, Kansas?

The most well-regarded insurance companies are the ones that consistently provide their policyholders with responsive customer service, reliable coverage, affordable rates, and rapid claims processing.

Independent insurance agents have partnered up with some of the best car insurance companies in Kansas. This lets you be sure that any policies your agent recommends are offered by providers you can rely on if you need to file a claim.

How Can an Independent Agent Help Me Find the Best Car Insurance in Lenexa, KS?

Independent agents in Lenexa are ready to help you find the best auto insurance to meet your coverage and budgetary needs. These agents work for you, not for a specific insurance company, so they are free to shop around to find you a suitable and competitively priced policy.

Contact an independent insurance agent near you to learn more. You can soon start comparing customized car insurance quotes from competing providers.