Non-owner car insurance in Kansas

What companies offer non-owner insurance in Kansas?

Prices were collected for 8 insurers, shown from lowest to highest. For $165, USAA offers coverage, but only to members of military families.

Kansas rules on coverage for people who borrow a car

The limits come from K.S.A. 40-3107. Your liability coverage pays others when you cause harm, and it must provide at least $25,000 for the injury or death of a single person. That limit must be at least $50,000 for injuries or deaths involving two or more people. Property damage requires $25,000 as the minimum per accident.

The same law also demands personal injury protection, known as PIP. Kansas follows a no-fault system, so PIP covers part of your own injury bills no matter who caused the crash. Someone who drives must carry liability insurance, a rule found in KSA 8-173 and highlighted on the Kansas Insurance Department auto page.

Kansas SR-22 filings: what Driver Solutions requires

You only need to file an SR-22 in Kansas after the Department of Revenue directs you to, and the requirement is the same for people who own a vehicle and those who do not. Any policy bought here must also provide personal injury protection.

The office that oversees proof of insurance is Driver Solutions, part of the Department of Revenue's Division of Vehicles. An SR-22 is a document your insurance company sends that proves you carry liability insurance. Do not buy one yet. A filing you submit before the state asks for it gets you no credit, as detailed on the Imposed Actions chart.

Under K.S.A. 40-3118, the filing lasts for one year. This applies after a conviction under K.S.A. 8-285, such as a DUI, driving on a suspended license, leaving a crash scene, or breaking insurance laws. A plea of guilty or no contest is treated as a conviction. This rule does not depend on owning a car, so you can use a non-owner policy for the filing.

Your license gets suspended after a no-insurance conviction unless the SR-22 arrives within 30 days of when it was asked for.

DUI reinstatement fees in Kansas and what your insurer must report

A fee for each suspension is listed on the Department of Revenue alcohol actions chart. For a first DUI, you pay $200 to get your license back. A second DUI reinstatement will cost $400. After a third DUI, the fee is $600, and a fourth or any later one comes with an $800 fee. If you refuse a chemical test, the first reinstatement fee is $600, and it reaches $1,500 by the fourth refusal.

If the policy on record ends for any reason, your insurer must send notice to the director by mail. The insurer can wait to send that notice until after any payment grace period ends. No notice goes out when a policy is renewed or a driver is added. See your current status on the Division of Vehicles suspended license page, where you can also pay reinstatement fees.

What age does to Kansas rates

A teen driver pays about $1,003 each year. A driver at age 40 pays an average of $698 annually for minimum coverage on an owned car, which is about $290 higher than the $408 non-owner rate.