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Kansas Car Insurance Information

Requirement : Yes

Car insurance is required in Kansas . Drivers must have a minimum of liability, personal injury protection, and uninsured/underinsured motorist coverage.

Minimum Coverage Car Insurance Requirements:

A minimum liability, personal injury protection, and uninsured/underinsured motorist coverage is required:

    • $25,000 for bodily injury to one person.
    • $50,000 for bodily injury per accident.
    • $10,000 for property damage liability per accident.
  • Personal Injury Protection (PIP) – No-fault insurance helps with certain costs resulting from a car accident, no matter who’s at fault.
    • $45,000 for medical costs one person.
    • $900 per month for 1 year of disability, and loss of income.
    • $25 per day for in-home services
    • $2,000 for funeral, cremation, or burial expenses
    • $4,500 for rehabilitation
  • Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
    • $25,000 per person
    • $50,000 per accident

Other Car Insurance Coverage Options:

Liability, personal injury protection, and uninsured/underinsured motorist coverage are the only requirement for Kansas motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Rental Reimbursement – Reimburses you if you have to rent a car after an accident.

  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include: There are no alternative forms of financial responsibility. Kansas requires all drivers to have minimum coverage.
 

Proof of Insurance: Yes

You must carry proof of insurance with your vehicle at all times.

Valid forms of proof of financial responsibility include:

  • Insurance card.

The card will include:

  • Vehicle’s information:
    • Make
    • Model
    • Year
    • Safety Rating
    • Value
  • Your policy name & name of any other drivers insured under the policy.
  • The policy term’s expiration date.
  • A new policy card will be provided every time you renew your car insurance policy.

Insurance Violations:

Violations, Fines & Penalties:

  • Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face suspension of your driver’s license for an indefinite period of time.

Credit Scores & Determining Your Insurance Premium :

All Kansas drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers   who are refused coverage by 3 private companies are eligible to apply for car insurance through the Kansas Automobile Insurance Plan.

  

Other factors that may be used to determine your premiums include:

  • Age
  • Gender
  • Claim history
  • Credit history
  • Driving history
  • Marital status
  • Make, model of car
  • Neighborhood or city of residence
  • Deductible

Discounts : Yes

Discounts available in Kansas:

  • Anti-theft discount
  • Good driver discount
  • Good student discount
  • Multi-vehicle discount
  • Safety device discount

Cellphone Use:

Novice drivers are banned from all cellphone usage. All drivers are banned from texting while driving. Cell phone and texting violations are considered primary offenses. Violators face a $60 fine.


Kansas Minimum Coverage Laws

Carriers in Kansas

Full Insurance Laws for Kansas

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