Minimum liability coverage required	Minimum personal injury protection coverage required	Minimum uninsured motorist and underinsured motorist coverage required
$25,000 of bodily injury liability coverage per person	$4,500 of medical expenses coverage per person	$25,000 of uninsured/underinsured motorist bodily injury coverage per person
$50,000 of bodily injury liability coverage per accident	$4,5000 of rehabilitation expenses coverage	$50,000 of uninsured/underinsured motorist bodily injury coverage per accident
$25,000 of property damage liability coverage per accident	$2,000 of burial, funeral, or cremation expenses coverage
	$900 of disability, loss of income, or survivor’s benefits coverage per month for one year
	$25 of in-home services coverage per day

Kansas’s insurance laws might seem complicated—but you don’t need to remember all those details yourself, because every auto insurance policy sold in Kansas includes the coverage outlined above as a default.

From there, it’s up to you to decide if you want additional coverage.

When you request quotes from Jerry, we'll autofill your policy with the basic coverage required by law in your state.

Kansas is a no-fault state

When it comes to bodily injuries, Kansas is a

no-fault state

, which means you need to initiate a first-party claim with your own insurance company to handle your medical expenses following a car accident.

After your personal injury protection (PIP) coverage is used up, you can then proceed to file a claim with the insurance company of the driver responsible for the accident.

Keep in mind: When it comes to property damage, Kansas adheres to at-fault rules, which means the insurance provider of the driver at fault is responsible for covering the property damages.

Is minimum coverage the most cost effective option?

While getting the minimum coverage might logically seem like the most affordable option, it could leave you financially vulnerable long term.

A.J. Leh

Licensed Insurance Agent

As a licensed agent, I highly recommend carrying higher limits than state minimums for bodily injury and property damage coverages. Your coverage limits should always exceed your current net worth. I'd consider limits of $100,000/$300,00 or higher as these coverages can better protect you from the damages and injury you may cause in an auto accident.

Buying more liability coverage than the state minimum typically doesn’t raise your insurance premiums significantly, and it’s worth the investment to avoid costly lawsuits. But if you want coverage for your own vehicle as well as your assets, you’ll need to purchase a full coverage policy with collision and comprehensive coverage—which can raise your costs considerably.

To find the right balance of car insurance coverage and savings, it’s best to compare quotes at a few different levels of coverage. The Jerry app offers an easy tool that lets you do just that: by filling out a profile, you’ll be able to see quotes from multiple insurance providers for everything from the minimum coverage required by Kansas law to a full coverage policy with physical damage coverage, roadside assistance, and other optional add-ons.

Raise your liability limits and turn on full coverage with high deductibles to find affordable coverage with maximum protection.

Keep in mind: You will likely be required to get more coverage–such as comprehensive and collision insurance–if you finance or lease your vehicle.

How much does car insurance in Kansas cost?

Car insurance rates are highly individual and depend on your age, driving record, and many other factors. To find the best insurance quotes, you should always compare rates.

You can request quotes directly from insurance companies or work with a local agent—or Jerry’s quote comparison app can simplify that process for you with quick custom quotes.

Quotes will range based on driving profile.

Key Takeaway The minimum insurance requirements in Kansas don’t cover accidental damage to your vehicle, and probably won’t be enough to cover severe injuries, death, or a personal injury lawsuit.

Optional coverages in Kansas

When it comes to financial protection, you may want to consider add-ons and optional auto insurance coverage like:

Collision insurance

will pay to repair your vehicle after a collision with another car or stationary object—even if it was your fault.

Comprehensive insurance

will pay to repair your vehicle after theft, vandalism, or weather-related damages. Combine it with collision coverage and you’ve got a full coverage policy.

Gap insurance

ensures your lease or loan will be paid in full if you lose your vehicle, no matter how much it depreciates.

MedPay

covers the cost of hospitalization and surgery, but not loss of income or disability. It’s an inexpensive way to supplement your medical treatment budget without raising your PIP limits.

Learn More:

A guide to types of car insurance

Penalties for driving without insurance in Kansas

Get caught

driving without car insurance

in the state of Kansas and you could lose your driver’s license, your vehicle registration, hundreds of dollars in fines, and your freedom. Here is a more detailed breakdown of some of the consequences:

First offense

Traffic citation

Class B misdemeanor charge

$300-$1,000 fine

Maximum six months in county jail

Driver’s license suspension

Loss of motor vehicle registration

$100 license reinstatement fee

SR-22 filing requirement

for one year

Subsequent offense within three years

Traffic citation

Class A misdemeanor charge

$800-$2,500 fine

Maximum six months in county jail

Driver’s license suspension

Loss of motor vehicle registration

$300 license reinstatement fee

SR-22 filing requirement for one year

FAQs

What are the car insurance laws in Kansas?

Kansas car insurance laws require every driver to carry three types of auto insurance. The minimum amount of liability insurance coverage required is 25/50/25, nearly 12k for PIP, and 25/50 of uninsured/underinsured motorist insurance.

Is car insurance mandatory in Kansas?

Car insurance is mandatory in Kansas and follows the car, not the driver. You won’t be able to register your vehicle without first presenting proof of insurance to the Kansas Department of Revenue (KDR).

Is Kansas a no-fault car insurance state?

Kansas is a no-fault state regarding bodily injuries. You must file a first-party claim with your own insurance company to cover your medical expenses after a car accident. Once you’ve exhausted your PIP coverage, you can file a claim with the at-fault driver’s auto insurance provider.

When it comes to property damages, Kansas follows at-fault rules: the at-fault driver’s insurance provider is responsible for paying the damages.

Is it illegal to drive in Kansas without insurance?

It’s illegal to drive without insurance in Kansas, and you could face a driver’s license suspension, fines, jail time, and more for violating the law. You'll also see a spike in your car insurance rates once you become a high-risk driver.

What happens if you drive without insurance and get in an accident in Kansas?

If you’re involved in a car accident in Kansas without insurance, you’ll face the usual fines and penalties, plus the suspension of your driver’s license and vehicle registration. If you weren’t at fault, you’ll be prohibited from claiming damages—but if you were, you’ll be held personally liable for the other driver’s hospital bills and property damages.