Kansas has a “no-fault” auto insurance system in place. You are required to have Liability, Personal Injury Protection, and Uninsured/Underinsured coverage in order to legally drive your vehicle in Kansas. As of December 2013, it costs, on average, $1435 to insure your vehicle in Kansas. The actual cost varies depending on the area you live in. For instance, it costs $1503, the highest rate in the state, to insure your vehicle in Kansas City. Salina at $1081 is the cheapest area in Kansas to insure your car. On average, it costs $1172 in Topeka, $1297 in Wichita and $1146 in Lawrence to insure your car.
Apart from your location, factors such as age, gender and the type of car you drive are some of the factors that affect your auto insurance premiums. Probably the most significant factor is your previous driving record. If you’ve have accidents in the past you will end up paying higher premiums. For instance, the average insurance premium in Lenexa before you have any accidents stands at $1110 as of December 2013. One accident will raise the premium to $1367, while a second accident will ramp it up to $2039.
Accidents will hit your pocket when it comes to auto insurance. But drinking and driving can burn an even larger hole. If you get caught drunk driving in Lenexa your premium will climb up to $2065 in one shot. That’s more expensive, in terms of premiums, than having two accidents. Drunk driving in Kansas City will drive your premium up to $2796. A defensive driving course can help bring your premium down by 15% to $2377. However, if you’ve been caught drinking and driving, your premium will remain at the inflated rate for three years and won’t revert to original levels for up to seven years assuming you don’t get caught drunk driving again. So the next time you’re planning a night out, have either a designated driver or a taxi service take you home.