Car Insurance in Leawood, KS

Kansas law requires vehicle owners in Leawood to carry car insurance. Whether you are involved in a fender-bender on Roe Avenue or a multi-vehicle collision on Interstate 435, a good auto insurance policy can shield you from facing a significant financial loss.

Finding the right car insurance policy is easy when working with a local independent agent. These agents can help you obtain and compare customized car insurance quotes from competing insurance companies. Contact an independent insurance agent in Leawood to get started.

How Much Does Car Insurance Cost in Leawood, KS?

The average cost of car insurance in Kansas is lower than the national average. This is good news for Leawood vehicle owners looking for an affordable policy.

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

An average rate can only give you a ballpark idea of how much you might be expected to pay. Costs can vary significantly from one driver to the next because insurance companies calculate them based on several factors like:

• The make, model, year, and value of the vehicle(s) you are insuring
• Your age, occupation, marital status, and driving record
• Information about the other licensed drivers in your household
• Your claims history and credit score
• The amount of liability coverage you are purchasing
• Which, if any, coverage options you want to include in your policy

In many cases, you can earn significant car insurance discounts if you:

• Bundle your coverage with other policies like homeowners insurance
• Have a safe driving record
• Are the parent of a teen driver with good grades
• Are a member of the armed services
• Are insuring multiple vehicles

Because every insurance company uses a different method for calculating costs, you are likely to be quoted a different price by every insurer you contact for rates.

Comparison shopping can save you money because it enables you to choose the policy that offers the coverage you want at the most affordable price. Independent insurance agents make comparison shopping easy.

Is Car Insurance Required in Leawood, Kansas?

Yes, all vehicle owners must have a car insurance policy that meets or exceeds the state’s minimum coverage requirements.

Driving without insurance in this state is a Class B Misdemeanor and has some pretty tough penalties. If caught, uninsured drivers can face:

• Fines ranging from $300 to $2,500
• Imprisonment up to two years
• Suspension of driving privileges for up to three years
• The need to maintain an SR-22 certificate for three years
• Higher car insurance rates

You can face unmanageable liability expenses if you cause an accident while driving an uninsured vehicle.

What Are the Minimum Car Insurance Requirements for Drivers in Leawood, KS?

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

In Kansas, all car insurance policies must include the following:

• Personal injury protection insurance (PIP):  This covers medical treatments, lost wages, death benefits, and other related costs if you or your passengers are injured in a collision, regardless of fault. Your policy must include, at a minimum:
  • Medical expenses: $4,500 per person
  • Lost income coverage: $900 per month for one year
  • At-home health services: $25 per day
  • Rehabilitation expenses: $4,500 per person
  • Funeral expenses: $2,000 per person
• Liability insurance: This can cover other people’s property damage and any medical bills beyond what their PIP coverage can pay for if you are at fault for a collision. Your policy must include, at a minimum:
  • Bodily injury liability insurance per person: $25,000
  • Bodily injury liability insurance per accident: $50,000
  • Property damage liability insurance per accident: $25,000
• Uninsured motorist insurance (UIM): This can cover medical bills if you or your passengers are injured in a collision that an uninsured driver caused. In Kansas, uninsured motorist insurance does not cover property damage. Your policy must include, at a minimum:
  • UIM bodily injury insurance per person: $25,000
  • UIM bodily injury insurance per accident: $50,000

A local independent agent can help you find an affordable policy that meets or exceeds these minimum coverage requirements.

What Else Does Leawood, KS Car Insurance Cover?

In addition to the mandatory coverage mentioned above, you can expect your insurance provider to offer several coverage options such as:

• Physical damage coverage: This covers loss or damage to your vehicle, even if it was your fault. Lenders typically require it if you are still paying for your car, and dealerships need it if you are leasing. 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.
• Towing and roadside assistance: This can cover the cost of assistance if your car breaks down and you need to call for help.
• Gap insurance: This can cover the gap between your car’s depreciated value and how much you still owe for it if it is totaled in a covered event. It is usually only beneficial during the first year or two of new car ownership.
• Glass replacement coverage: This can cover the cost of replacing your windshield or other auto safety glass if it is cracked or shattered.
• Rental car reimbursement: This can cover the cost of renting a vehicle while your car is being repaired following a covered event.
• Umbrella insurance: This is a separate policy that your car insurance provider may offer. It is an affordable way to significantly boost your liability coverage beyond the coverage limits of your car policy.

An independent agent can help you determine whether any available options are a good fit for you and your family.

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Is the Uninsured Driver Rate High in Kansas?

The good news is that Kansas has one of the lowest rates of uninsured drivers in the country:

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

Kansas requires all drivers to carry uninsured motorist insurance. This means you can rest assured that if you are in a collision caused by an uninsured driver, you will be able to quickly receive the compensation you are due without the need to go through lengthy legal channels.

How High Is the Auto Theft Rate in Leawood, KS?

The auto theft rate in Kansas is higher than the national average. However, the rate is lower in Leawood. On average, residents of this city report 47 stolen vehicles a year. 

• National auto theft rate per 1,000 people: 2.29
• Kansas auto theft rate per 1,000 people: 2.69
• Leawood auto theft rate per 1,000 people: 1.39

Your car insurance can only compensate you for a stolen vehicle if your car policy includes comprehensive (or “other than collision”) coverage.

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

What Are the Best Car Insurance Companies in Leawood, KS?

The best car insurance companies in Kansas are the ones that consistently provide their policyholders with excellent coverage, responsive customer service, and competitive rates.

Independent agents in Leawood have teamed up with many of these top-rated insurance providers so they can offer you a selection of policies and quotes from companies you can trust.

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

When you are looking for the best and most affordable car insurance policy, a local independent agent can help. These agents work for you, not for a particular insurance company. This enables them to shop around to find the coverage you want at the lowest offered price.

It doesn’t cost anything to work with an independent agent. Contact an independent insurance agent near you to get answers to your coverage-related questions and start comparing customized car insurance quotes.