Kansas Car Insurance Requirements in 2026

Kansas car insurance requirements at a glance

Coverage	Minimum Requirement in Kansas
Bodily injury liability	$25,000 per person/$50,000 per accident
Property damage liability	$25,000 per accident
Uninsured/underinsured motorist (UM/UIM) coverage	$25,000 per person/$50,000 per accident
Personal injury protection (PIP): medical expenses	$4,500 per person
PIP: rehabilitation expenses	$4,500
PIP: lost income	$900 per month for up to one year
PIP: replacement services	Up to $25 per day for up to 365 days
PIP: funeral, burial, or cremation expenses	$2,000
PIP: survivors’ lost income	Up to $900 per month for up to one year
PIP: survivors’ substitution benefits	Up to $25 per day for up to one year

Kansas car insurance requirements explained

Drivers in Kansas must carry liability insurance, UM/UIM coverage, and PIP.^[1] Kansas lawmakers raised the property damage minimum from $10,000 to $25,000 in 2017.^[2] Kansas requires PIP because it pays injured people promptly, no matter who caused the crash.

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Kansas bodily injury liability insurance requirements

Kansas requires drivers to carry at least $25,000 per person and $50,000 per accident in bodily injury liability. The state hasn’t changed these minimums since 1981, according to the Kansas Legislature. Kansas shares these minimums with 33 other states, while several states require higher limits, according to the Insurance Information Institute.^[3]

For example, say you cause a crash on Interstate 70 that injures three people. Your insurer pays up to $25,000 per person, with a $50,000 total limit for the accident, and you’d owe the rest.

Kansas property damage liability insurance requirements

Kansas requires at least $25,000 per accident in property damage liability. About half of states have lower limits.

If you total a pickup and damage a fence in one crash, both claims share the $25,000 limit, and you pay anything above it.

Kansas uninsured/underinsured motorist insurance requirements

Kansas requires UM/UIM bodily injury coverage of at least $25,000 per person and $50,000 per accident. Fewer than half of states require this coverage.

If a driver with no auto insurance or too little hits you, this coverage pays your injury costs up to your limits.

Kansas personal injury protection requirements

Kansas requires PIP coverage with at least $4,500 for medical expenses, $4,500 for rehabilitation expenses, and $900 per month for lost wages for up to one year. Kansas is one of 12 no-fault states.

Say you break your wrist in a crash someone else caused. Your PIP pays first, and optional excess medical payments coverage can cover bills above $4,500.

Are Kansas’s car insurance requirements sufficient for most drivers?

For many Kansas drivers, the state’s minimum coverage requirements fall short. These minimums may not fully protect you or your assets in a serious accident, according to the National Association of Insurance Commissioners (NAIC). You pay any covered costs above your policy limits yourself.

The Kansas Department of Insurance advises drivers to choose coverage based on their needs and consult an insurance agent about appropriate limits. The table below shows the coverages worth considering above Kansas’s minimums:

Coverage Type	Higher Coverage Limits for Kansas Drivers
Bodily injury liability	$100,000 per person/$300,000 per accident
Property damage liability	$100,000 per accident
Uninsured/underinsured motorist coverage	Match your bodily injury limits
Personal injury protection	State minimums; ask your insurer about higher limits if available

Other car insurance requirements to be aware of in Kansas

Kansas doesn’t require comprehensive or collision coverage, but your lender or leasing company likely will. In Kansas, 26.2% of drivers have a lien on their car and 2.7% lease, according to Insurify data. Lenders and lessors require these coverages to protect their stake in your car.

Leases can also require liability limits higher than Kansas’s minimums, such as $100,000 per person and $300,000 per accident. Leasing companies may cap your comprehensive and collision deductibles at $1,000.

How Kansas’s car insurance requirements influence rates

The average cost of car insurance in Kansas is $118 per month, which is below the national average. Liability-only coverage averages $79 per month, and full coverage averages $157 per month.

Kansas’s minimum required coverage is generally the cheapest option. Raising your limits above those minimums typically raises your rate, while choosing minimum coverage generally keeps costs lower.

Lower limits also mean more out-of-pocket costs. Picture a crash that keeps you out of work for two months, costing you $7,000 in lost wages. Kansas’ minimum PIP pays up to $900 per month in lost wages, so if you qualify for the full benefit, you cover the other $5,200 yourself.

Cheapest state-minimum required car insurance in Kansas

The below rates in Kansas are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$47
USAA	$51
American Family	$55
Progressive	$55
Auto-Owners	$61
Root	$65
Safeco	$68
National General	$71
GEICO	$73
Bristol West	$76
Dairyland	$76
Travelers	$81
Allstate	$83
Direct Auto	$89
The General	$91
Farmers	$106
Liberty Mutual	$110
CSAA	$119
Shelter	$129

Disclaimer: Table data sourced from real-time Kansas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kansas may vary based on the policy buyer's unique driver profile.

Kansas car insurance laws and related programs

The Kansas Insurance Department runs the Kansas Insurance Verification System (KSIVS). Insurers must report coverage for vehicles registered in Kansas, and the system matches each policy to the vehicle identification number in real time.

Kansas gives you a way to seek coverage if an insurer cancels or won’t renew your policy for any reason other than non-payment. The insurer must tell you that the Kansas Automobile Insurance Plan (KAIP) may offer you coverage.

If the notice doesn’t state the reason for canceling your coverage, you can request it in writing, and the insurer must respond within 10 days. An insurance agent can help you fill out the KAIP forms.

Penalties for driving without insurance in Kansas

Driving without insurance in Kansas is a crime, and the penalties get tougher if you have multiple convictions. Here’s what you could face:^[4]

• First offense: A first offense is a class B misdemeanor. You face a fine of $300–$1,000, up to six months in county jail, or both.

• Second conviction within three years: A second conviction becomes a class A misdemeanor, with a fine of $800–$2,500.

• License and registration suspension: After a crash or an insurer’s denial of coverage, the state can suspend the license of each driver involved and the vehicle owner. It can also revoke registration on every vehicle the owner has.

• Reinstatement fee: Getting back on the road costs $100. The fee rises to $300 if the state revokes your registration again within a year.

You must also provide proof of financial security, typically through an SR-22 form filed by your insurer, before the state restores your registration.

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Other car insurance coverages worth considering in Kansas

Kansas’s required coverages don’t pay to repair your own car or cover costs above your limits. These optional coverages can help fill those gaps:

• Comprehensive coverage: Storm claims on Kansas home and auto policies cost insurers $879 million in 2025. Comprehensive insurance covers storm damage and other non-crash damage, such as a branch that falls on your car.

• Collision coverage: About 1 in 20 Kansas drivers has an accident on record, according to Insurify data. Liability insurance pays for other people’s repairs, not yours. Collision insurance covers repairs to your car, even if you cause the crash.

• Rental reimbursement: About 76% of Kansas workers drive alone to work, according to the U.S. Census Bureau.^[5] This coverage helps pay for a rental car while a mechanic repairs your car, so you can keep commuting.

• Umbrella liability: The median Kansas home is worth $217,200, according to the U.S. Census Bureau, and a costly crash can threaten it. An umbrella policy adds between $1 million and $5 million of liability coverage beyond your policy limits.

Kansas car insurance requirements FAQs