WICHITA, KS AUTO INSURANCE

Wichita, KS Auto Insurance

You call the Air Capital of the world home, and yet, you are bound to this planet by feet, not wings. As you hit the road in the Wheat State, make sure you have the coverage you need to drive legally.

Cheap auto insurance in Wichita, Kansas is within your grasp. That’s right, SafeAuto is here to help you get an affordable Wichita, KS car insurance rate, so you can save money to spend more on the little things that matter to you.

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REQUIRED COVERAGES IN KANSAS

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. *They are typically expressed as three amounts separated by slashes written as 25/50/25 or 25,000/50,000/25,000*

Kansas’ Financial Responsibility law requires you to maintain liability limits of at least:

$25,000 | Bodily Injury per Person

The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.

$50,000 | Bodily Injury per Accident

The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $25,000 per person limit.

$25,000 | Property Damage

The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.

PROOF OF FINANCIAL RESPONSIBILITY & PENALTIES

WHAT IS THE PENALTY FOR FAILURE TO COMPLY WITH KANSAS' FINANCIAL RESPONSIBILITY REQUIREMENTS?

Failure to produce evidence of Financial Responsibility at the request of a law enforcement officer investigating an accident or during a traffic stop can result in monetary penalties as follows:

Any person violating any provision of this section shall be guilty of a class B misdemeanor and shall be subject to a fine of not less than $300 nor more than $1,000 or confinement in the county jail for a term of not more than six months, or both such fine and confinement. [K.S.A. 40-3104(g)(1)]
Any person convicted of violating any provision of this section within three years of any such prior conviction shall be guilty of a class A misdemeanor and shall be subject to a fine of not less than $800 nor more than $2,500. K.S.A. 40-3104 [K.S.A. 40-3104(g)(1)]
In addition, may be subject to license suspension or revocation of vehicle registration [K.S.A. 40-3104(h)]

Penalty for Failure to Comply with Kansas' Financial Responsibility Requirements:

Failure to maintain proper insurance could lead to the suspension of your driver's license for at least ninety (90) days - one (1) year for repeat violators within a three (3) year period. To obtain a reinstatement of your license, you may have to pay a reinstatement fee of $150, $225, or $300 depending on whether it is a first, second, third or subsequent offense, and provide current proof of insurance signed by an agent or representative of the insurance company.

What is a Certificate of Financial Responsibility (SR-22)?:

An SR-22 is a certification of future proof of Financial Responsibility issued by your insurance company to the Division of Motor Vehicles providing proof that you purchased liability insurance. The following circumstances may require a person to have an SR-22:

Failure to provide proof of insurance during a traffic stop, unless proof of insurance is provided to the department within the time prescribed by KSA 40-3118(e)
Conviction of any violation listed under the Habitual Violator Statute (KSA 8-285)
Any license suspension resulting from noncompliance with the requirements to maintain evidence of insurance
Failure to provide evidence of financial security as a result of an automobile accident as required

SafeAuto will only issue a Kansas SR-22 to Kansas residents.

Kansas Regional Auto Insurance

Get a free car insurance quote with SafeAuto in 3 minutes or less online or call 1-800-SAFEAUTO to chat with a specialist. If you need SR-22 insurance to demonstrate financial responsibility compliance, have questions about the penalties for non-compliance, or would like more information about auto insurance in Wichita and Kansas as a whole, please visit the Kansas Auto Insurance Page.

SafeAuto offers affordable Kansas auto insurance throughout the entire state! If you are looking for more information across the state of Kansas, more material can be found below

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Have a question for us at SafeAuto? Need to start a policy? Just want to talk? Call us at 1-800-SAFEAUTO or email us at customerservice@safeauto.com. For common questions, please consult our FAQ page.