Temporary Car Insurance in Kansas

A six-month insurance policy can serve as a temporary insurance policy for your car if you cancel it before the term ends. In Kansas, the average driver pays approximately $233 for a three-month auto insurance policy.

However, if you're renting a car in Kansas or you don’t own a car, rental car insurance may be the best option for you.

MoneyGeek also examined additional scenarios, such as obtaining non-owner car insurance to reinstate your driver’s license or working for a ride-sharing company, where temporary auto insurance may be beneficial.

Temporary car insurance can mean different things in each state. After purchasing a standard auto insurance policy, drivers in Kansas can cancel it early if they only require temporary insurance. If you frequently drive a borrowed or rented car, you may consider non-owner car insurance or rental car insurance.

The insurance plans offered by most major insurers in Kansas and across the country are for a minimum of six months. If you cancel your auto insurance policy before the term expires, you might be able to create temporary coverage. Most insurers will reimburse your premiums for what’s left of your insurance term.

In Kansas, the average cost of a six-month policy is $466, while the average cost of a 90-day policy is $233. To insure your car for three months, you can purchase a six-month policy and cancel it within 90 days.

If you choose this option, MoneyGeek recommends that you avoid any gaps in your insurance coverage. If you allow an insurance lapse, you could end up paying hundreds of dollars more in insurance premiums over time.

MoneyGeek evaluated the cost of a standard six-month insurance policy, a 90-day policy and a 30-day policy from several insurers in Kansas.

As per our analysis, the following companies offer the cheapest car insurance in Kansas on average for a 90-day policy:

• American Family: $189 per 90 days
• Nationwide: $191 per 90 days

Any cancellation fees are not included in MoneyGeek's estimations. The majority of insurance companies do not charge cancellation fees and offer a full refund for the unused period of your policy.

If your car is already insured in Kansas but you need to add or remove coverage, the easiest option is to make adjustments to your existing policy. The most common questions regarding short-term auto insurance arise when a family's teenager is attending college somewhere within the state, storing a vehicle or when someone is borrowing your car.

Kansas requires you and your child to be covered under the same policy if you live together, which can be extremely expensive.

The annual cost of insuring an 18-year-old driver is around $2,064. It is possible to temporarily remove your child from the policy for the portion of the year they are away at school, request insurance discounts for distant students or keep your child on your policy.

According to MoneyGeek, the average cost of adding a college student to your Kansas auto insurance policy for two summer months is only $344, compared to paying the average annual car insurance cost of $2,064. Through Nationwide, you can make the most savings for dropping a student from a policy temporarily.

You can make policy changes while temporarily storing your car in Kansas by switching your existing insurance to a comprehensive-only policy or looking for an insurer offering a policy with a car storage discount.

You only need comprehensive coverage while your car is in temporary storage. With a $1,000 deductible, comprehensive and collision insurance in Kansas costs about $401 per year, whereas comprehensive and collision insurance with minimum liability coverage costs around $824 yearly.

USAA offers storage discounts and might be a good fit if you are a member of the military. Their average annual premium is only about $623, which is a relatively cheap option even before the discount.

Your car insurance coverage must cover any member of your household who drives your vehicle. Your insurance coverage doesn't need to cover someone who isn't a member of your family but is allowed to drive your car.

If you are temporarily renting a car in Kansas, you are not obliged to obtain auto insurance. You may get rental car insurance at the time of rental, which includes liability insurance and optional add-on coverages like collision damage waivers, supplemental liability insurance and personal accident insurance.

It could cost anywhere from $44 to $60 per day for rental car insurance with these coverages depending on the company. You may, however, examine your needs to save money.

MoneyGeek used data from Wichita to compute rental car insurance costs in Kansas. You should anticipate spending anything from $44 to $60 each day, depending on the car rental company. Supplemental liability, collision damage waiver and personal accident protection are all included in this price. While Enterprise charges the lowest rental car insurance at an average of $44 per day, Avis and Hertz charge around $57 and $60 daily, respectively.

If you have already insured your car, you may be covered for liability, accident and medical expenses. Several credit card companies provide complimentary collision damage waiver coverage when you rent a rental car using their card. If you have either of these benefits, you can save money.

If you do not own a car but are required to provide proof of insurance to file an SR-22 to help reinstate your driver's license, non-owner automobile insurance is the best option. If you drive someone else's car, it's also the least expensive way to insure yourself.

In Kansas, non-owner SR-22 car insurance costs an average of $365 per year.

In Kansas, a rideshare driver is protected by the ridesharing company's insurance if they take a fare or transport a passenger. They will, however, risk an insurance gap during the time they don't have an accepted fare.

Not all rideshare insurance policies are available in every state. MoneyGeek conducted an analysis of the state's rideshare insurance providers to aid drivers in finding the best rideshare insurance.

You can find answers to some common questions about temporary car insurance in Kansas below.

In collaboration with Quadrant Information Services, we gathered standard auto insurance and non-owner car insurance rates across Kansas. According to MoneyGeek's methodology page, the plans were for a 40-year-old driver with full coverage insurance, and the student rates were calculated using the average cost of adding an 18-year-old driver to a parent's policy.

MoneyGeek calculated the cost of one-month and three-month insurance policies, assuming a full refund from the insurer. MoneyGeek also collected rental car insurance prices in Kansas by utilizing Avis, Enterprise and Hertz’s websites.