MoneyGeek used a good rider with 50/100/25 liability-only coverage to find the cheapest motorcycle insurance in Kansas. Although the minimum liability-only coverage is inexpensive, a full coverage policy provides higher limits and expanded coverage. However, because comprehensive and collision coverage offers more protection, it also costs more.
Motorcycle Insurance in Kansas: The Cheapest Quotes and Best Companies
Updated: October 16, 2024
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The Cheapest Motorcycle Insurance in Kansas
Cheapest Liability-Only Motorcycle Insurance Quotes in Kansas
According to MoneyGeek’s research, the cheapest motorcycle insurance in Kansas for a liability-only policy comes from:
- Progressive: $75 per year
- GEICO: $99 per year
The most expensive company is Harley-Davidson, at $109 per year. That’s 31% more than the average cost for the cheapest insurer.
Company | Annual Premium | |
|---|---|---|
1. | Progressive | $75 |
2. | GEICO | $99 |
3. | Dairyland | $99 |
4. | Nationwide | $100 |
5. | Markel | $104 |
6. | Harley-Davidson | $109 |
Cheapest Full Coverage Motorcycle Insurance Quotes in Kansas
MoneyGeek ranked motorcycle insurance companies in Kansas using a 50/100/25 policy that has a deductible of $500 to determine the average full coverage costs in the state.
If you need enhanced protection for your bike and other assets, you should consider purchasing a full coverage policy. Besides standard coverage, this policy protects your bike against a collision with structures and other vehicles, as well as any damage or loss resulting from non-collision events like theft, vandalism and fires. A full coverage policy is highly recommended if you are still making payments on your motorcycle.
From the study conducted by MoneyGeek, insurers with the lowest average cost of motorcycle insurance in Kansas for a full coverage policy are:
- Dairyland: $115 per year
- Harley-Davidson: $152 per year
Markel is the most expensive provider, with a cost of $388 per year, which is 70.4% higher than the cheapest rate in the state.
Company | Annual Premium | |
|---|---|---|
1. | Dairyland | $115 |
2. | Harley-Davidson | $152 |
3. | Progressive | $169 |
4. | GEICO | $274 |
5. | Nationwide | $290 |
6. | Markel | $388 |
What Is the Average Motorcycle Insurance Cost in Kansas?
MoneyGeek analyzed average motorcycle insurance rates in Kansas by comparing quotes from various insurance companies. The rates depend on several factors, including age, riding record, experience, coverage amount and the model of your bike.
A full-coverage policy in Kansas costs an average of $231 per year or $19 per month. That is lower than the national average by $132. A liability-only policy costs less but does not cover personal injuries and damages to your bike in case of an at-fault accident. The policy costs $98 per year or about $8 per month in Kansas, $44 less than the national average.
To determine these scores, MoneyGeek used a policy with bodily injury coverage limits of $50,000/$100,000, with $25,000 property damage coverage and a $500 deductible, as well as minimum levels of uninsured/underinsured motorist and PIP coverage.
Type | Cost | National Average | Delta vs National Average |
|---|---|---|---|
Full Coverage | 231 | 364 | -132 |
Liability | 98 | 141 | -44 |
The Best Motorcycle Insurance Companies in Kansas
MoneyGeek collected quotes for different coverage levels from each insurer to establish who offers the best motorcycle insurance in Kansas. This data is unique to motorcycle insurance rates within the state and depends on factors such as financial stability scores from AM Best, product offerings and policy prices.
According to this research, the best insurance company in Kansas for motorcycle coverage is Progressive.
1
Progressive
Score:97
Pros
- Online claim reporting and tracking
- Convenient mobile app
- Enhanced injury protection that lasts up to two years
Cons
- Discounts are not standard across all states
- Total loss coverage limited to two model years
- OEM parts coverage is limited to comprehensive insurance
More About Progressive
Progressive has the highest scores in most categories and offers the most affordable liability coverage. It is the best option in the state, with a MoneyGeek score of 94.63 out of 100. Progressive offers liability-only policies for $75 per year on average. A full-coverage policy from the company costs $169 per year.
One feature of Progressive insurance that stands out is the disappearing deductible coverage, whereby 25% of your deductible gets subtracted from your policy every year. Other specialized coverage options include accessories, full replacement and OEM parts coverages, which get added to your standard policy automatically.
If you have a policy from Progressive, you may also get total loss coverage, which reimburses you the cost of a new bike in case yours gets damaged. There is also a carried contents coverage that reimburses any damaged items during an accident, as well as road assistance coverage if your bike breaks down. Progressive also offers interruption insurance which caters to accommodation, food and transport expenses to a maximum of $500.
2
Dairyland
Score:91
Pros
- Online quote tool
- Outstanding full coverage rates
- Many different coverages available for most bikes
Cons
- Relatively high liability-only prices
- Discount options differ considerably from other insurance companies
- No online claims processing
More About Dairyland
Dairyland is the second-best motorcycle insurance provider in Kansas. It has a MoneyGeek score of 88.33 out of 100. A minimum liability-only policy from the company costs $99 per year, while a full-coverage policy costs just $115 per year.
Dairyland provides several optional coverages besides standard insurance. These include optional and special equipment coverage that protects your bike against the loss or damage of non-standard parts, rental reimbursement insurance to cover the cost of renting alternative transport after your bike is damaged and roadside assistance coverage for mechanical or electrical breakdowns.
If you have multiple motorcycles, complete a safety course or belong to a motorcycle riders’ association, you are entitled to a discount at Dairyland. You also pay less while switching to Dairyland from another insurer.
3
Harley-Davidson
Score:87
How to Get a Motorcycle Insurance Quote in Kansas
Most insurers in Kansas allow customers to get quotes online. To receive your quote, you will need to provide the following information, although the requirements may vary from one insurer to the other:
- Year, make and model of your bike
- ZIP code and address where you will use the bike
- Your date of birth
- Riding history and level of experience
- Ideal insurance coverage levels (see more information on this below)
How Much Motorcycle Insurance Coverage Do You Need in Kansas?
While purchasing motorcycle insurance in Kansas, you must confirm that the policy meets the state’s minimums. Typically, your motorcycle insurance policy should include:
- $25,000 per-person bodily injury liability
- $50,000 per-accident bodily injury liability
- $10,000 property damage liability
- Personal injury protection (PIP)
How Much Insurance Coverage Is Required in Kansas?
The minimum insurance requirement in Kansas is 25/50/25, which means your liability-only policy should have a bodily injury coverage limit of at least $25,000 per person, per-accident bodily injury liability of $50,000 and property damage liability of at least $25,000. The limits represent the highest amount that your insurer pays once you file a claim.
Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in Kansas?
Kansas riders must get PIP coverage and uninsured/underinsured motorist coverage aside from standard liability insurance. The limits for uninsured and underinsured motorist coverage are $25,000 per person and $50,000 per accident.
MONEYGEEK EXPERT TIP
From MoneyGeek’s study, you should at least purchase a full coverage insurance policy with 50/100/25 limits. With a few more dollars, you can get a 100/300/100 policy, which offers significantly higher limits. Your uninsured motorist insurance coverage should also match the required limits.
Frequently Asked Questions About Motorcycle Insurance in Kansas
To protect your motorcycle from damage and theft in Kansas, you will need to purchase motorcycle insurance coverage. Different coverage levels bear different costs, which is why you will need to shop around. Some of the FAQs that you are likely to come across are:
Which company has the cheapest motorcycle insurance in Kansas?
The company that provides the cheapest motorcycle insurance in Kansas for a full coverage policy is Dairyland, at $115 per year. The cheapest insurer for a liability-only insurance policy is Progressive, with a cost of $75 per year.
How much does motorcycle insurance cost for most riders in Kansas?
In Kansas, $98 per year or $8 per month is the average cost of liability-only motorcycle insurance.
Which company is the best motorcycle insurance provider in Kansas?
According to MoneyGeek’s research, the best motorcycle insurance provider in the state is Progressive.
Do you need motorcycle insurance in Kansas?
Yes, you need motorcycle insurance for your bike in Kansas.
Methodology
MoneyGeek collected motorcycle insurance quotes in Kansas across different coverage amounts to help you find the cheapest provider for your needs. Average scores for the best insurers are based on policy costs in the state (60% of total), AM Best’s financial stability scores (10%) and product offerings (30%).
The requirements for the state are from Kansas DMV sites, which means that they are accurate and updated.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
sources
- Dairyland Insurance. "Motorcycle Insurance Coverage that Matches Your Needs." Accessed May 10, 2021.
- Harley-Davidson Insurance. "The Right Motorcycle Insurance Coverage for You." Accessed May 10, 2021.
- Insurance Information Institute. "2020 Insurance Fact Book." Accessed May 10, 2021.
- Kansas Insurance Department. "Auto Insurance." Accessed May 10, 2021.
- Progressive. "Motorcycle Insurance." Accessed May 10, 2021.