Many residents of the Midwestern states know that the best way to experience the open road is on the back of a motorcycle. If you are one of the many motorcyclists in the state of Kansas, you may have questions about motorcycle insurance, including what the state requirements are, what is included in your coverage and where to find the best rates. To learn more about this coverage, review the information in this article; then, to find a policy at an affordable rate, compare quotes from at least three different motorcycle insurance providers in Kansas.
The state requires registration and insurance for all motorcycles, choppers, mopeds, sports bikes and dirt bikes that can exceed 30 miles per hour.
Like every other U.S. state, Kansas enforces rules regarding minimum required liability insurance coverage for motorcyclists. This insurance protects you from the potentially devastating financial loss you might face if you cause damage or injuries to a third party while operating your motorcycle. These are the minimum liability coverage requirements in Kansas:
Although the state of Kansas requires those carrying automobile insurance to include personal injury protection with their coverage, motorcyclists are exempt from this requirement. If you choose to forego PIP coverage, however, the state requires you to submit this decision in writing.
If you are caught operating your motorcycle without the proper insurance coverage, you can face fines up to $1,000 for the first offense. Failure to pay this fine can result in a 6-month jail sentence. If you are caught riding without insurance a second time within three years of your first offense, you can face a fine of up to $2,500 and can have your license suspended and your registration revoked.
All motorcycle policies offered in Kansas will include liability coverage that meets, at a minimum, the state’s coverage requirements. In addition to this mandatory liability coverage, motorcycle insurance offers these additional coverage options:
Rates for motorcycle insurance can vary a bit from one person to the next, and you can expect your policy to cost you between $50 and $100 a month. In Kansas, where helmets are not required, rates are slightly higher than the national average.
Some factors that can influence your motorcycle insurance rate quotes include the following:
You may qualify for insurance discounts if you have multiple policies with the same insurer or you have successfully completed a motorcycle safety course.
An independent insurance agent in the Trusted Choice® network can help you compare motorcycle insurance from several insurance companies. These professionals can work with you to help you determine your coverage needs as well as to answer any insurance-related questions you may have.
Contact one of the many agents in Kansas to get more information. You can start comparing motorcycle insurance quotes in no time.