Kansas Motorcycle Insurance

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5838 W. 21st Street
Wichita, KS 67205

1106 W. 31st Street South
Wichita, KS 67217

1701 Landon Street
Hutchinson, KS 67502

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Motorcycle owners in Kansas are exposed to numerous risks while out on the road. These risks include:

  • Liability for bodily injury and property damage caused by an accident
  • Medical bills for the driver and their passengers if injured in an accident
  • Repair or replacement costs of a damaged vehicle, regardless of fault
  • Damage caused to another person’s car or property from a hit-and-run incident
  • Damage, loss, or theft of the driver’s own motorcycle
  • Legal fees and expenses related to an accident that exceeds coverage limits
  • Financial costs associated with participating in motorcycling contests, events, and rallies.

To protect against these risks, Kansas requires all drivers to purchase motorcycle insurance. The amount of coverage required varies depending on the type of motorcycle owned. When purchasing a policy, it’s important to understand all the options available so you can get adequate coverage at an affordable price.

Motorcycle Insurance Costs in Kansas

The average cost of motorcycle insurance in Kansas is $533 per year. However, the cost of motorcycle insurance in Kansas can vary depending on a variety of factors. These factors include:

The type of motorcycle owned: Motorcycles vary in size, power and price, so the type of motorcycle you have will affect how much insurance you’ll need to purchase and the cost of coverage. Generally, smaller motorcycles require less coverage than larger models.

  • Driving record: Your driving record can be a major factor in determining your premium rate. Drivers with a good driving history are more likely to pay lower rates than those with a poor driving record.
  • Age: Younger drivers typically pay higher premiums due to their lack of experience on the road. Older drivers may be able to get discounts for taking defensive driver courses or having an accident-free record.
  • Location: Where you live can have a major impact on the cost of your insurance. Some areas, such as urban centers or neighborhoods with higher crime rates, may be more expensive to insure than rural areas.
  • Coverage limits: When selecting coverage limits it’s important to consider the value of your motorcycle and any other personal property that may be damaged or stolen in an accident. Higher liability limits will provide better protection but will also result in a higher premium.
  • Credit rating: Your credit score can play a role in how much you pay for motorcycle insurance. Insurers sometimes take into account credit scores when calculating rates as they view individuals with good credit as more responsible and thus less likely to file a claim.
  • Accident and claim history: If you have a history of filing claims or being involved in accidents, insurance providers may view you as someone who poses a greater risk and charge higher premiums accordingly. Keeping a clean record can help keep costs down.
  • Deductible: The deductible is the amount that you will be responsible to pay out of pocket before the insurance company will cover any costs. Higher deductibles can lower your premiums but may also mean more expenses if you have to make a claim.

In order to get the exact cost of your motorcycle insurance policy, it’s best to work with experienced insurers such as WINN Insurance Group, who can provide customized coverage and competitive rates. Working with a knowledgeable broker or agent ensures you get the right coverage to meet your needs at a price that fits your budget.

We’re Your Trusted Motorcycle Insurance Provider in Kansas

At WINN Insurance Group, we understand the importance of finding the right insurance coverage to protect your motorcycle. We provide customized, comprehensive coverage and competitive rates for motorcyclists in Kansas.

Our policies cover a variety of risks associated with owning a motorcycle, including liability protection, uninsured/underinsured motorist coverage, collision, medical payments, and towing and labor costs. We also offer discounts for rider safety courses, multiple vehicles, loyalty programs for returning customers, and other factors that can help you save on your policy.

We understand that no two motorcycle riders are the same at WINN Insurance Group. That’s why we strive to find the best coverage for our customers at a price that fits their budget.

Our friendly and knowledgeable agents are here to answer any questions you may have about motorcycle insurance in Kansas, so don’t hesitate to contact us today.

Levels of Coverage Offered by Kansas Motorcycle Insurance

The types of motorcycle insurance coverage you will need to consider when purchasing a policy can vary by state. In Kansas, the basic coverages required for motorcycle policies are:

Kansas Personal Injury Protection Coverage (PIP)

In Kansas, motorcycle owners have the option to purchase personal injury protection (PIP) coverage. PIP coverage for motorcycles functions similarly to PIP coverage for cars, providing reimbursement for medical expenses and other losses resulting from an accident, regardless of fault.

The minimum PIP coverage required for motorcyclists in Kansas is as follows:

  • $4,500 per individual for medical costs
  • $900 per month for one year for loss of income or disability
  • $25 per day for in-home services
  • $2,000 for burial, cremation, or funeral costs
  • $4,500 for rehabilitation costs

Motorcycle accidents often result in severe and catastrophic injuries, with medical expenses that can easily exceed six figures and lifetime costs for care and recovery reaching much higher amounts.

Due to the potential high costs, the minimum PIP coverage may not be sufficient to adequately cover the expenses resulting from a motorcycle accident.

Medical Payment Coverage

Medical payment coverage is a type of motorcycle insurance protection that covers medical expenses for you and your passengers should you be involved in an accident.

This type of coverage includes hospital bills, physician’s fees, necessary X-rays and tests, ambulance services, and other related medical costs. It can also pay for lost wages if the rider is unable to work due to injuries sustained in the accident.

Motorcycle Liability Coverage

This coverage is legally required in Kansas and covers any liability you may have for bodily injury or property damage resulting from an accident that is your fault. It pays for expenses such as medical bills, lost wages, and repair costs of the other party’s vehicle.

Motorcycle owners in Kansas are required to buy a minimum amount of liability insurance. This includes:

  • $25,000 per person for bodily injury
  • $50,000 per incident for total bodily injury
  • $25,000 for property damage

However, note that motorcycle liability coverage will only cover damages to other parties and will not cover any damages or injuries your own bike may sustain.

Uninsured/Underinsured Motorist Coverage

In Kansas, it is mandatory for both motorcyclists to have uninsured motorist (UM) coverage. This coverage ensures that you have some financial protection if you are involved in an accident with a hit-and-run driver or someone without insurance. However, it’s important to note that serious injuries often require medical expenses that go beyond the minimum coverage limits of $25,000 per person and $50,000 per accident for bodily injury.

Additionally, Kansas requires you to include underinsured motorist (UIM) coverage in your insurance policy. This coverage safeguards you in case the at-fault driver doesn’t have sufficient insurance to cover your damages. The minimum requirement for UIM coverage in Kansas is $50,000 per accident for bodily injury and $25,000 per person.

Discounts and Savings on Kansas Motorcycle Insurance

Kansas motorcyclists can save money on their insurance by taking advantage of certain discounts and savings. Here are a few ways you can lower your monthly premiums in Kansas:

  • Insurance Bundling: Combine more than one home, motorcycle, or automobile insurance with the same insurance company to get a discount.
  • Multi-Vehicle Discounts: Insurers offer discounted rates when you insure more than one vehicle with them.
  • Safety Course Discounts: Many insurers will offer you a reduction in premium if you complete a safety course approved by the National Highway Traffic Safety Administration (NHTSA).
  • Low Mileage Discounts: If you have limited annual mileage, some companies may offer a discount for lower usage rates.
  • Claims-Free Discounts: Most insurers will provide a discount if you have a clean driving record without any accidents or claims in the past three to five years.
  • Pay in Full Discounts: You can save on the cost of your policy if you can pay for it upfront instead of monthly installments.
  • Good Student Discounts: Many companies offer discounts for students who maintain good grades or belong to certain honor societies.
  • Multi-Policy Discounts: Insurers may offer discounts if you have multiple policies, such as car and motorcycle insurance.

These are just a few ways you can save money on your motorcycle insurance in Kansas. Be sure to speak with an agent to find out which discounts and savings options are available. With some research and comparison shopping, you can find the right policy for your needs at a price that fits your budget.

Having Questions? Contact Us Today.

WINN Insurance Group is here to help you get the coverage you need for your motorcycle in Kansas. Our experienced agents can assist you in finding the right policy at the best rate possible. We offer discounts and savings options that can help lower your overall cost.

Reach out to one of our knowledgeable representatives today to learn more about how we can save you money on your motorcycle insurance in Kansas.

With WINN Insurance Group, it’s easy to find comprehensive coverage that fits within your budget – so don’t wait any longer and contact us today!

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