Dodge City Car Insurance

Your Complete Guide to Dodge City, KS, Car Insurance

(When you want a local independent agent)

True to the name, Dodge City, KS, was once home to cowboys. This cattle wrangling town is famous for its deep roots in cow herding. 

When you drive these historic streets covered with 27,720 residents, you'll want protection. The best rates and coverage can be found with an independent insurance agent. You can connect with a local expert today to get started.

How Vehicle Thefts Affect Your Dodge City, KS, Premiums

Several factors impact your insurance costs, and theft is one of them. Whether you're comparing trailers or sports car insurance, crime plays a part. Take a look at the local theft rates below:

  • National average: 228.9
  • Kansas average: 269.4
  • Dodge City average: 129.7

Dodge City is below the state and national theft averages, which means your costs could be less. If you're unsure how local crime will impact your car insurance, run quotes. An independent agent can shop rates with multiple markets, so you know you're getting the best. 

Car Insurance Pricing in Dodge City, KS

The cost of your car insurance is customized to you. Like life insurance, carriers use personal data and history to determine your rates. Let's take a look at the rating factors in Dodge City, KS:

  • Local severe weather
  • Local crime rates
  • Discounts that you may qualify for
  • Your credit score
  • Your experience level as a driver
  • Your motor vehicle record (MVR)
  • Household drivers on the policy
  • Year, make, model, and value of the vehicle
  • Coverage you select
  • Your claims history

Some criteria you have control over, while other items you do not. You can improve things like your MVRs, loss history, and credit score. The best way to know your premiums is to get quotes through an independent agent. 

What Auto Insurance Limits Do You Need in Dodge City, KS?

There are specific policies that states will mandate. Workers' compensation and car insurance are primarily regulated coverages. It's important to know what Dodge City requires for your auto insurance.  

Car insurance requirements in Dodge City, KS:

  • A minimum liability limit of $25,000 per person is required
  • A minimum liability limit of $50,000 per accident is required
  • A minimum liability limit of $25,000 in property damage is required

The exposures that you encounter while driving can end up costing more than the state minimum limits. If you want proper protection, consider increasing your coverage. A Dodge City independent agent can help secure limits that are acceptable to you.  

Optional Car Coverage in Dodge City, KS

When liability insurance isn't enough, you'll want to know what optional coverages are out there. To have insurance for your vehicles, you'll need to add it. Let's look at what other policy options you have:

  • Comprehensive coverage: This will pay for property damage to your vehicle if hit by an unavoidable object.
  • Collision coverage: This pays for property damage to your car when a collision occurs.
  • Towing coverage: This will pay for a tow of a covered auto.
  • Gap coverage: This pays for the difference in your auto loan and the current value of your vehicle.
  • Rental car coverage: This pays for a rental car in the event yours needs to be repaired or replaced.

Discuss these coverages and more with a Dodge City independent agent. They have access to several carriers, so you can save if you bundle your auto and home insurance with the same company. Generally, 30% or more can be put back into your pocket. Ask your agent how to get started.

Uninsured Motorists Coverage in Dodge City, KS

If you're involved in an accident with an uninsured driver, you'll want uninsured/underinsured motorist or UM/UIM coverage. UM/UIM will pay for your expenses when the uninsured driver is at fault. Take a look at the average percentage of uninsured drivers:

  • National average of uninsured drivers: 13%
  • Kansas average of uninsured drivers: 7.2%

Kansas requires that every driver carry at least the state minimum limits of UM/UIM. While that's a start, that may not be enough. Discuss higher UM/UIM limits on your auto policy with your Dodge City independent agent. 

Does Your Car Insurance Cover Business Operations in Dodge City, KS?

If you drive for Uber, Lyft, or any other livery-for-hire service, you're operating a business. A personal auto policy will exclude coverage for a claim for any such services. 

The best defense against a potential loss is a commercial vehicle policy. This will provide coverage for your operations as well as your customers. Speak with a local independent agent on your commercial insurance today.

Why You Need an Independent Insurance Agent in Dodge City, KS

An independent insurance agent can help you find a policy that suits your needs. They have access to several carriers, finding you the best coverage and pricing in town. 

When you're unsure where to begin, start on TrustedChoice.com. You can use the find-an-agent tool to connect with a local expert in seconds. 

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn

TrustedChoice.com Article | Reviewed by Jeffrey Green

©2020, Consumer Agent Portal, LLC. All rights reserved.

https://www.city-data.com/city/Dodge-City-Kansas.html

https://www.visitdodgecity.org/94/History