Kansas insurance rates are cheapest for middle aged, preferred drivers. Depending on the insurance company and your past driving record, the rates can differ. The companies that offer the cheapest rates for middle aged drivers with a decent driving record in Kansas are: GEICO General Insurance Co., Government Employees Insurance Co., National Farmers Union Property & Casualty Co., and AIG National Insurance Co. Inc (According to 2008 Kansas Auto Quotes).

In order to save money and have the cheapest auto insurance in Kansas you should get multiple quotes. Getting multiple quotes will insure that you are finding the best deals. The companies mentioned above have some of the cheapest insurance quotes in Kansas. If you have an older car, you can consider removing collision and comprehensive coverage from your insurance policy and you can save big. If you work at home or car pool to work, you may be eligible for a low mileage discount on your insurance policy. Since you are not driving as much, there is less risk of you getting in an accident. Also, if your car has an alarm system, some companies offer a discount to you for protecting your car.

Rates are determined by underwriting and rating. Underwriting are the factors in your past that show your driving habits. These can include driving record, car make and model, gender, age, and many more factors. Ratings are divided into three categories: preferred, standard, and non-standard. Preferred drivers are those with clean driving records over the past three to five years. Preferred drivers are given the lowest rates. Standard drivers are those of moderate risk. Non-standard drivers are those at highest risk to get in a wreck. These drivers usually have the highest rates.

Kansas driving conditions are quite good, with heavy traffic around the cities. Aside from the cities, Kansas is mostly rural. Some severe weather can be likely in Kansas.

Kansas Law mandates that each insurance policy should have this minimum insurance coverage: Liability: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, $10,000 per accident for property damage; Personal injury protection: $4,500 per person for medical expenses, $900 per month for one year for disability/loss of income, $25 a day for in home services, $2,000 for funeral, burial, or cremation expense, $4,500 for rehabilitation expense; and uninsured/underinsured motorist protection: $25,000 per person, $50,000 per accident.