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Phone
316-265-3181
Locations
5838 W. 21st Street
Wichita, KS 67205
1106 W. 31st Street South
Wichita, KS 67217
1701 Landon Street
Hutchinson, KS 67502
Motorcycle owners in Kansas are exposed to numerous risks while out on the road. These risks include:
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.
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:
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.
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.
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:
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:
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 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.
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:
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.
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.
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:
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.
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!
5838 W. 21st Street
Wichita, KS 67205
1106 W. 31st Street South
Wichita, KS 67217
1701 Landon Street
Hutchinson, KS 67502