Kansas Commercial Auto Insurance: Quotes From $35/mo

According to the Kansas Department of Revenue, over 2 million vehicles were registered in Kansas in 2020. That is a lot of cars on the road. You should know the risks if you add vehicles to your Kansas business operations. This article will examine commercial auto insurance in Kansas and why you need this policy.

What is Commercial Auto Insurance?

Commercial auto insurance is a policy that protects your business’s cars, trucks, or other work vehicles. A commercial auto policy has many types of coverage. The two main types of coverage are liability and vehicle damage. Liability protects your business from harm your vehicles inflict. Vehicle damage policies help pay the costs to repair or replace your damaged work vehicles.


Why Do I Need Commercial Auto Insurance?

If your business owns a vehicle, you likely need commercial auto insurance. Kanasa requires that all vehicles have insurance protection. Businesses need commercial auto insurance to protect them for activities like:

  • Driving to worksites

  • Carry materials, tools, and products

  • Transport clients

  • Pick up supplies

  • Meet an accountant or lawyer

Auto Accident Statistics in Kansas

Take a look at these statistics for auto accidents in Kansas. This data comes from the Kansas Department of Transportation facts book in 2021. The #1 contributing cause of accidents in Kansas was driver inattention.

Total traffic crashes 57,598
Vehicles involved in crashes 90,045
Alchohol-related crashes 2,158
Percent of accident fatalities without seatbelts 54.2%
Fatal crashes 381
Injury crashes 12,874
Property damage-only crashes 44,343


Components of Kansas Commercial Auto Insurance

Your commercial auto insurance will have several standard components.


Auto Liability

Insurers split this policy between bodily injury liability and property damage liability. Bodily injury liability pays for damage that your vehicles inflict on others. Propety damage liability, on the other hand, reimburses the financial losses of third parties whose belongings got damaged because of your commercial vehicle. 


Personal Injury Protection

This policy is also called no-fault insurance. It pays for funeral expenses, lost wages, medical bills, and homecare services for you and your passengers injured in an auto accident. This policy pays benefits regardless of who is at fault.


Uninsured/Underinsured Coverage

An uninsured/underinsured policy in Kansas helps you cover medical costs you have that another motorist’s insurance cannot pay for. It pays lawsuit settlements for accidents caused by uninsured motorists and hit-and-run motorists. You are also covered when hit by a vehicle as a pedestrian.


Collision

Your collision coverage protects your vehicle when involved in a collision accident. This policy covers events that include:

  • Collisions with other vehicles on the road

  • Your vehicle flipping over

  • Collisions with a stationary object

Comprehensive

A comprehensive policy protects your vehicle in other instances of physical damage besides collisions. Examples include:

  • Hitting an animal

  • Falling objects

  • Fire

  • Windshield damage

  • Theft

  • Vandalism

Add-Ons to Kansas Commercial Auto Insurance

You can customize your commercial auto policy through several kinds of coverage add-ons.


New Vehicle Replacement

This policy will pay the cost of replacing a damaged or stolen vehicle. You get the money for a brand-new car of the same make and model as the damaged one. Insurers calculate this benefit without factoring in the depreciation cost of your vehicle. 

Typically your vehicle has to be less than a couple of years old and not have been driven for too many miles. Insurers may require you to have already purchased other policies on top of this one, like comprehensive and collision coverage.


Roadside Assistance

A roadside assistance policy helps you tow your vehicle out of danger when it breaks down on the side of the road. It can also pay for services like changing flat tires, entering locked vehicles and jumpstarting your battery.


Rental Reimbursement

Rental reimbursement pays for rental vehicles you need to continue running your business. This coverage kicks in when a primary vehicle is in the repair shop, and you must make arrangements until it is fixed.


Pet Injury

This policy protects against damage to pets that are injured in vehicle accidents. Coverage for pets is not guaranteed in every commercial auto insurance policy.


Gap Insurance

A gap insurance policy covers the “gap” between your vehicle’s value and the amount you owe on a loan. Without gap insurance, you might be stuck paying the loan of a totaled vehicle.


Auto Glass Coverage

This policy will allow you to cover the costs of broken windshields or other glass on your vehicle. If you have comprehensive coverage, you will not typically need this policy. However, an auto glass policy can protect your windshield at a lower cost than comprehensive coverage.

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Kansas Commercial Auto Insurance Requirements

Commercial auto insurance Kansas is required by state law. It requires auto liability coverage, Uninsured motorist insurance, and personal injury protection. The following sections describe the limits for the coverage Kansas requires.


Auto Liability Coverage

Kansas has a 25/50/25 requirement for auto insurance. Any policy you purchase must have these minimum limits.

Bodily injury per person Bodily injury per accident Property damage per accident
$25,000 $50,000 $25,000


Personal Injury Protection

Kansas law has these minimum requirements for personal injury protection:

  • $4,500 for medical expenses per person

  • $900 per month for one year of disability

  • $25 per day for homecare services

  • $2,000 for funeral expenses

  • $4,500 for injury rehabilitation

This policy also requires survivor benefits for the surviving family of the injured party. Survivors get $900 monthly for lost income or disability for up to a year. They also get $25 daily for in-home services for up to a year.


Uninsured/Underinsured Coverage

Kansas commercial auto requires minimum coverage of $25,000 per person and $50,000 per accident.


A company vehicle is driving to a meeting.


Kansas Commercial Auto Exclusions

Commercial auto insurance will have standard exclusions you must watch out for. These exclusions include:

  • Pollution: If you deliver or carry hazardous materials in your vehicle, you need pollution insurance. Commercial auto insurance will not cover costs to clean up spills from these materials either.

  • Expected acts: Acts likely to cause damage to others or your vehicles are excluded. If you unreasonably use your vehicle, that is not covered. Also, you will not get coverage if you or an employee drives while intoxicated.

  • War: Your policy will not cover damage to your vehicles from war. Most insurance policies will exclude this event.

Is Kansas a No-fault State?

Yes. Kansas requires you to purchase personal injury protection or no-fault insurance. A no-fault state means that people injured in auto accidents receive medical payments from their policies, regardless of who is at fault for the accident.

Kansas still allows drivers with severe injuries to sue at-fault drivers to recover damage. Drivers can sue if their injuries total more than $2,000 in medical bills.

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Kansas Commercial Auto Insurance Cost

The cost of your commercial auto policy may start at $50 per month or $600 per year. Below is a price comparison of different insurers who offer this policy.

Company Estimated Monthly Cost Estimated Yearly Cost Best for
NEXT $35 $420 Best overall for Kansas commercial auto insurance
CoverWallet $38 $456 Comparing quotes with multiple insurers
The Hartford $41 $492 Insurance expertise for commercial auto insurance
Tivly $43 $516 Connecting with big-name insurers
Thimble $46 $552 Getting coverage quickly
Hiscox $49 $588 Small business insurance

Compare Cheap Commercial Auto Insurance Quotes Online

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Best Kansas Commercial Auto Insurance Companies

See what makes the best Kanas commercial auto insurance companies a great fit for your business in the reviews below.


NEXT Insurance

Pros 

  • Excellent customer experience

  • Instant quotes take less than 5 minutes

  • Has gap insurance for your commercial auto insurance

  • Covers you when driving out of state

Cons

  • None found

NEXT uses AI-based technology to deliver an affordable commercial auto insurance policy. You can pick policies like gap insurance, rental reimbursement, and towing coverage. They have an A- rating with AM Best. AM Best rates insurers based on their financial strength and other factors. NEXT also has a B+ from the Better Business Bureau.

Best for: Best overall for Kansas commercial auto insurance

Average cost: $35 per month 

Our rating: 10/10


The Hartford Insurance

Pros

  • Providing insurance for more than 211 years

  • Local agent network

  • Additional perks for AARP members

Cons

  • The purchase process can be confusing for some customers

The Hartford is an insurer with lots of expertise in their policies. The company offers customized commercial auto insurance that helps you meet Kansas requirements. The Hartford has a 4.8 rating in their customer reviews and an A- rating from AM Best. Their direct premiums will exceed $11 billion in 2022.

Best for: Insurance expertise for commercial auto insurance

Average cost: $41 per month

Our rating: 10/10 


CoverWallet Insurance

Pros

  • Online digital platform

  • Choose from 10+ partners

  • Focus on commercial insurance policies

Cons

  • Not an insurance company but an insurance broker 

CoverWallet offers a convenient way to compare insurance quotes with top A-rated insurers. They provide the standard policies you need for your commercial auto insurance. CoverWallet has an A+ rating from the Better Business Bureau.

Best for: Comparing quotes with multiple insurers

Average cost: $38 per month 

Our rating: 10/10


Tivly Insurance

Pros

  • Connects you with partners like The Hartford, Liberty Mutual, and Progressive

  • 4-second customer service answer rate

  • Works best with small businesses

Cons

  • You need to call to compare quotes 

Tivly is an insurance platform with the best selection of insurance partners on this list. You get access to commercial auto policies you need, like personal injury protection. This policy is required for Kansas commercial auto insurance. The Better Business Bureau gave Tivly an A rating. Call now to compare quotes over the phone. 

Best for: Connecting with big-name insurers

Average cost: $43 per month 

Our rating: 10/10


Thimble Insurance

Pros

  • Markel underwrites some policies

  • A-rated insurance partners

  • Quick quote process

Cons

  • Coverage is limited to specific industries

Thimble is an insurer with several A-rated insurance partners. They offer quick and simplified policies so you can fix lapses in coverage quickly. You can choose the month, day, and hour of your policy. Fast Company rated them as one of the most innovative companies of 2021. Thimble has an A+ from the Better Business Bureau.

Best for: Getting coverage quickly

Average cost: $46 per month 

Our rating: 10/10 


Hiscox Insurance

Pros

  • 4.7/5 rating from over 12,000 reviews

  • 14-day refund policy for insurance

  • Flexible payment options with no extra fees

Cons

  • Limited online capacity

Hiscox has origins that go back to 1901. They are an insurance provider with vast experience writing insurance and operates in 14 countries. Most of their customers are small businesses, so your business will feel right at home. Hiscox has a financial strength rating of A from AM Best. AM Best rated them with an A+ for their long-term issuer credit.

Best for: Small business insurance

Average cost: $49 per month 

Our rating: 10/10 

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