Kansas Auto Insurance

Kansas Auto Insurance

The Sunflower State is unique, and so is Kansas auto insurance. Whether you need an experienced Kansas insurance brokerage to recommend a new policy or want to understand the Kansas auto insurance requirements, you’re in the right place.

Since the insurance rules and costs differ by state, you must understand what to expect as a Kansas driver. This guide to car insurance in Kansas explains the services we offer and the benefits of using a local insurance agent to help you confidently buy a policy.

Overview Of Auto Insurance In Kansas

Before shopping for auto insurance quotes in Kansas, you should know Kansas is a no-fault state — meaning it has different guidelines and rules for licensed state drivers, including the need for no-fault insurance, also known as personal injury protection. Vehicle owners must meet other minimum requirements, and of course, it is advisable to add additional policies to ensure the best possible coverage and safety.

The benefit of a no-fault state is that you may receive your insurance benefits more quickly, as each driver files a separate claim to cover accident-related costs. There is no disputing who was at fault before insurers make payments. However, it means you should consider your policy compensation limits and criteria very carefully. You should understand how insurance payouts work in the event of an accident. 

By speaking to a seasoned Kansas insurance broker such as David Pope Insurance Services, LLC, you can benefit from our longstanding service to drivers and our in-depth knowledge of local insurance laws and requirements.  

Auto Insurance Services Offered by David Pope Insurance

At David Pope Insurance, we pride ourselves on the versatile Kansas auto insurance offerings we provide and our speed and efficiency in providing auto insurance quotes in Kansas. We work to find the best coverage for you while keeping costs low. 

We insure many vehicle types and provide several auto insurance services to give you a diverse selection of coverage options.

  • Vehicle insurance discount: Eligible customers can receive discounts for teen drivers, safe drivers, defensive drivers and installing devices that track their driving habits.
  • Collision insurance: If you are in a collision, this policy pays to repair damages caused to your vehicle regardless of who is at fault.
  • Comprehensive insurance: This policy covers damage other than collisions with vehicles, people and property, such as natural disasters, theft, vandalism and animals
  • Auto liability insurance: This insurance covers damage you cause, usually in a collision with another person, vehicle, object or property.
  • Accident forgiveness: Insurance companies offer this optional coverage to avoid rate increases following your first at-fault collision. Carefully read your contract to understand the terms.
  • Personal injury protection: Also known as no-fault insurance, PIP covers injuries resulting from a vehicle accident
  • Uninsured motorist: If the other driver is at fault and does not have liability insurance, UM coverage protects you and your passengers if you meet the policy’s criteria.
  • Medical coverage: This policy supplements PIP and your medical coverage. It may fill gaps associated with auto-accident-related injuries your health insurance does not cover
  • Towing and roadside assistance: If your vehicle breaks down, you may want a plan that includes towing, battery jump-starting, tire changing, car unlocking and gas delivery.
  • Rental car coverage: To avoid additional rental car company insurance, ask your insurance broker whether your current vehicle policy adequately covers rental cars. 
  • Ride-sharing coverage: Using a private vehicle for commercial or business use, such as transporting passengers, likely requires additional coverage above and beyond your auto policy.
  • Non-owner policy: You may want this policy if you do not own a car but frequently drive rented or borrowed vehicles.  

David Pope Insurance also offers different policies based on the vehicle type and your unique requirements to cover any situation. Our specialized options include:

Kansas Auto Insurance Requirements

Auto insurance is a legal requirement to protect yourself and others. As a Kansas resident, you must follow the state auto insurance requirements. You will need coverage for a car accident regardless of who is at fault. 

Kansas Auto Insurance

Types Of Auto Coverage Required By Law

You must understand the auto insurance laws in Kansas as thoroughly as possible. Speak to your insurance agent in Kansas to ensure you meet all state regulations. 

Additional coverage is advisable, but here are the basics you must have to drive legally in Kansas.

  • Personal injury protection: Regardless of the fault, your PIP covers your accident-related injuries before other types of insurance. Talk to your Kansas insurance broker to ensure your policy makeup meets the minimum requirements. You need a policy that provides immediate medical care after an accident.
  • Liability coverage: Liability coverage is twofold — bodily injury and property damage. These have varying minimum requirements. It is wise to consider your limits because you may be liable to pay the balance out of pocket if your policy does not adequately cover bodily harm and property damage.
  • Uninsured/underinsured motorist coverage: Since over 10% of Kansas motorists are uninsured, it is possible to have a collision with someone who lacks a policy or has inadequate liability insurance. Uninsured/underinsured motorist insurance is essential to pay for some accident-related expenses.

Minimum Insurance Limits In Kansas

Kansas mandates your auto insurance policy meets the minimum insurance coverage for cars to ensure sufficient base coverage in a vehicle accident. These are as follows.

MINIMUM KANSAS AUTO INSURANCE COVERAGE (PER ACCIDENT)
PERSONAL INJURY PROTECTIONLIABILITY COVERAGEUNINSURED/UNDERINSURED
– Medical costs = $4,500 per person
– Disability and loss of income for one year = $900 per month
– In-home services = $25 per day
– Funeral, burial or cremation expenses = $2,000 
– Rehabilitation = $4,500
– Bodily injury = $25,000 per person
– Total accident bodily injuries = $50,000
– Property damage expenses = $25,000
– Bodily injury = $25,000 per person
– Total accident bodily injuries = $50,000

David Pope Insurance History

As a family-owned insurance brokerage, we have met auto insurance needs in Kansas for more than two decades, offering comprehensive policies at the best possible prices. We also understand every driver’s situation and experience are unique. Therefore, we extend our services to new drivers, teen drivers and those with varying driving records.

Our Kansas auto insurance experts can tailor a policy specifically for you. Work with us for customized, specialized vehicle coverage that meets and exceeds Kansas auto insurance requirements. 

At David Pope Insurance, we pride ourselves on our honesty and reliability. For more insights, please download and review our auto insurance guide

Why Choose David Pope Insurance As Your Kansas Auto Insurance Broker?

As an industry leader since 1999, we have insightful local expertise. We offer competitive pricing for high-quality insurance policies and are highly responsive to provide you with peace of mind and keep you informed.

 We combine our knowledge of the area and the insurance landscape to answer various frequently asked questions and those specific to your unique situation. Our loyal clients rave about their experiences with our prompt and personalized service. We will help you find appropriate and affordable vehicle coverage. 

Take the next step and request a personalized auto insurance quote to secure the best Kansas auto insurance for your needs today!

Kansas Auto Insurance

Customer Testimonials

David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

Very helpful and knowledgeable staff. Answered all my questions in a timely fashion.Always finds me the best rates and coverage.


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

David Pope and his son are wonderful people 10 outta 10.


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

Never had a bad experience. Every time I have called with a question or update they have been accommodating. Proactively they have contacted us with better insurance ideas.


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

Your insurance brokerage always finds me the best rates, unlike going with just an agent for an insurance company. When my rate went up with another insurer, you immediately found a better price with a different carrier. The transition was seamless.


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

Very helpful with giving me options for insurance. Helped with transition from my past insurance company.


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

My home and auto insurance kept going up and my old insurance agency just said that’s the way it is. They saved me about 40% on my home insurance while keeping coverage the same and still saving me money on my auto. VERY happy I made the move.


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

Customer service is exceptional! Anytime I have a question or need help with anything, whether by phone or email communication, they get back with me promptly and always have an answer. Excellent at finding a way to get the best rate possible as well – which is important!


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

The staff is very knowledgeable and the rate I received was excellent. Got BIG savings compared to my last insurance provider.


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

The customer service is fantastic and the price is a great value.


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

Very knowledgeable and gets us the best price on insurance.


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

I could not be more happy with the service my family and I receive with David Pope Insurance. They are always very helpful and prompt. I highly recommend!


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

I am very happy with the service my family receives with David Pope Insurance. I highly recommend!


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

It has been a great experience. I have received help when needed and have never been bothered with a lot of phone calls or mail/emails. Friendly people doing a good job!


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

It was easy and simple to setup my home and auto insurance. No complaints here at all.


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

Great! I’ve gotten good service and they found me an amazing deal on issuance for both my business and vehicles!


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

David was very easy to work with and get switched over to the new insurance wit great pricing!!


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

This guy just keeps saving me more and more money. Last year he saved me 500 dollars on my car insurance alone and a couple hundred on homeowners. I call him because the rates went up on my renewal. Before I could even say anything Zach (guy who answers the phone) says yeah we already found you someone lower. Come in to set up the new provider. The best service for insurance broker I’ve ever had in my life. I guarantee I will never go to anyone else but David Pope insurance.


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

When I was reviewing the options for auto and home insurance with coverage for four teen drivers, myself and my husband- David Pope was able to find the best option to craft an affordable plan for our family; no one else even came close to the options this agency was able to design.


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

Excellent rates and coverage but that’s just the beginning. The service is absolutely outstanding! Every time I have a question, I get a thorough and prompt response. Every time my coverage needs change, my needs are taken care of immediately. I can’t recommend David Pope highly enough!


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

David Pope Insurance Services is a great firm to work with. Very knowledgeable and fast to respond to all of your needs. They had my quotes ready in no time and I was able to sign on the dotted line that same day. Very convenient. I work with David initially, then had the pleasure of working with Zack. Both took great care of my needs. Highly recommend these professionals.


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

I have been doing business with David Pope for many years. He’s reliable & absolutely looks out for us every time we need him. He always goes the extra mile. My daughter and my brother also use him & have been satisfied also. I recommend him whole heartedly.


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

This agency is very responsive. Had insurance with one company who substantially raised our home owners rates. They came to me saying they could find a better package rate that would save us money on home and auto. It is a breath of fresh air to have agents who do so without being asked! Further, had a question that wasn’t urgent on Easter Sunday. Sent it via email and received a reply that day. Can’t ask for better than that!


David Pope Insurance 6365830800 101 S Oak St. Union MO 63084 US

My experience with your company was amazing! From my first call requesting a quote to my most recent call requesting your company to print out our vehicle insurance cards. Employees were always positive, never made me feel rushed, customer service was superb! Thank you for making a new customer to your company feel so welcome!


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