Missouri law requires all drivers to carry a minimum amount of liability insurance. Unlike Kansas, Missouri operates under an at-fault system, meaning the driver responsible for the accident is liable for damages. Missouri’s mandatory minimums are:
$25,000 per person; $50,000 per accident
$25,000 per person; $50,000 per accident
Kansas is a no-fault state, which means that after an accident, each driver’s insurance pays for their medical expenses regardless of who caused the crash. Additionally, Kansas law requires drivers to carry certain minimum coverage of auto insurance, including:
$25,000 per person; $50,000 per accident
$25,000 per person; $50,000 per accident
According to NAIC, Kansas drivers pay an average of $967 a year, in 2020, for complete auto coverage (liability, collision and comprehensive). The cost now will depend on your driving history, vehicle, coverage, and the years current premiums. For Kansas drivers there are discounts for multi-vehicle owners, young drivers, and for multi-policy coverage.
If you have you have any questions, concerns, or assistance, contact me!