Who Has the Cheapest Motorcycle Insurance in Kansas?
Progressive has the best cheap motorcycle insurance in Kansas, with cheap rates and good customer service.
Compare Motorcycle Insurance Quotes in Kansas
Best cheap motorcycle insurance in Kansas
ValuePenguin found the best cheap motorcycle insurance in Kansas by comparing rates for 22 of the largest cities in the state. Our experts used average cost, customer service, coverage options and discounts to pick the best company for each category.
The rates listed are for a full coverage policy. The liability limits are higher than the state's required coverage, and collision and comprehensive coverage are included. See the full methodology.
Cheapest motorcycle insurance in Kansas
Dairyland has the cheapest motorcycle insurance in Kansas.
But Progressive is a close second, costing just $7 more per year than Dairyland. And because Progressive has great customer service and offers more coverage with a basic policy, it's a good choice for most people.
Compare Motorcycle Insurance Quotes in Kansas
Motorcycle insurance costs an average of $25 per month in Kansas. That's $8 less than the national rate of $33 per month. But cheaper rates are available, and most companies have discounts to help you save more.
Cheapest motorcycle insurance companies in Kansas
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $15 | |
| Progressive | $15 | |
| Harley-Davidson | $22 | |
| Markel | $25 | |
| Geico | $27 | |
Best motorcycle insurance for most people: Progressive
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Monthly rate
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Pros and cons
Progressive's cheap rates and extensive coverage make it the best option for most riders in Kansas.
A policy from Progressive is $10 cheaper per month compared to the state average. It's the second-cheapest company in the state, behind Dairyland. But Progressive's base policies have more coverage and better customer service compared to Dairyland.
Progressive has the best track record for customer service in Kansas. The company has about 60% fewer complaints than an average company its size, according to the National Association of Insurance Commissioners (NAIC). This might give you peace of mind if you need to make changes to your policy, have questions about your bill or need to file a claim.
Progressive motorcycle policies automatically include coverage for up to $3,000 in custom parts and accessories, like a custom fender or helmet. You'll also automatically have coverage for original parts from your bike's manufacturer, rather than aftermarket parts.
However, Progressive doesn't offer rental reimbursement coverage. If your motorcycle is your primary vehicle and you would need to rent another one if yours was damaged, Harley-Davidson would be a better choice.
Best discounts: Harley-Davidson
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$22 ?
Pros and cons
Harley-Davidson has plenty of discounts to help you lower your monthly rate.
You can get a cheaper rate if you are a member of the Harley Owners Group (H.O.G.), if you have more than one motorcycle and if you don't have any accidents or tickets.
But Harley-Davidson doesn't sell auto or home insurance, which means you can't get a discount for bundling your policies. If you prefer to keep all your insurance policies with one company, Harley won't be a good option.
Harley also has good coverage options. These include rental reimbursement, which pays the cost for you to rent a bike if yours is damaged, and extra coverage for safety apparel like armored jackets. Harley's added coverage options do come with an extra charge that will increase your rate.
Best for low rates: Dairyland
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Editor rating
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Monthly rate
$15 ?
Pros and cons
Dairyland sells the cheapest motorcycle insurance in Kansas.
Annually, its rates are $7 cheaper, on average, compared to Progressive. And Dairyland has several discounts to help you lower your rate even more. You could save if you take a safety course, if you have anti-lock brakes or anti-theft devices on your bike, and if you keep your Dairyland policy for more than a year.
Although Dairyland has the cheapest plans in Kansas, Progressive is a better option for most people. Dairyland is less than a dollar cheaper each month, and it has low customer satisfaction compared to Progressive. You get a policy with better coverage and service with Progressive for only slightly more each month.
Dairyland offers rental reimbursement, which Progressive doesn't have. This can be an especially important coverage if you rely on your motorcycle to get around. If it's damaged in a covered accident and you have rental coverage on your policy, Dairyland will pay for you to rent a bike until yours can be ridden.
Kansas motorcycle insurance cost by city
People who live near Kansas City pay the highest rates for motorcycle insurance in Kansas.
The cost of motorcycle insurance changes depending on where you live. Typically, larger cities have higher rates since it's more likely that you'll get into an accident in those areas. If you live in a more rural area, like Garden City, Hays or Liberal, you'll pay some of the lowest rates in the state.
City | Monthly cost | % from average |
|---|---|---|
| Derby | $22 | -10% |
| Dodge City | $22 | -10% |
| Emporia | $23 | -9% |
| Garden City | $20 | -19% |
| Hays | $20 | -19% |
Kansas motorcycle insurance laws
To ride your motorcycle legally in Kansas, you need to have an insurance policy with at least the state's required limits, which are often written as 25/50/20.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000
- Uninsured and underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
- Personal injury protection: $4,500 medical costs per person and other limits
Personal injury protection in Kansas
Because Kansas is a no-fault state, you're also required to have personal injury protection (PIP). Personal injury protection pays for your injuries and other costs if you're in an accident, even if you weren't at fault.
In Kansas, you have to have at least the minimum amounts for personal injury protection in several categories.
- Medical expenses: $4,500 per person
- Disability and loss of income: $900 per month for one year
- In-home services: $25/day
- Funeral, burial or cremation costs: $2,000
- Rehab costs: $4,500
You shouldn't be able to buy a policy with amounts lower than the state minimum limits, but it's good to check your quote to make sure you have at least the required coverage amount. If you can afford more coverage, it's usually a good idea to buy higher liability limits and PIP amounts to protect your finances in case you get into an accident.
Frequently asked questions
What's the best motorcycle insurance in Kansas?
For most riders in Kansas, Progressive has the best motorcycle insurance. The company has cheap rates and good customer service, and it includes several coverages in its base policy that other companies charge for. Harley-Davidson is a good option for discounts, and Dairyland is good if you are on a tight budget.
How much is motorcycle insurance in Kansas?
Motorcycle insurance costs $25 per month in Kansas, on average. Rates will change based on where you live, what company you choose, your driving history, what kind of motorcycle you have and how old you are. The best way to find the cheapest motorcycle insurance in Kansas is to compare quotes.
Does Kansas require motorcycle insurance?
Yes, Kansas requires riders to have motorcycle insurance. You have to have a policy with at least the state's minimum limits to ride legally. If you are caught driving without insurance in Kansas, you could be fined, jailed and have your driving privileges taken away.
Compare motorcycle insurance in Kansas vs other states
Methodology
ValuePenguin collected 154 motorcycle insurance quotes from 22 cities in Kansas. The quotes are for a 2018 Honda CMX500 Rebel owned and ridden by a 45-year-old single man.
The rates used are for full coverage, which has higher liability limits compared to the state minimum. It also includes comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Personal injury protection: $4,500 per person for medical payments and other required limits
- Comprehensive and collision deductible: $500
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