Kansas Car Insurance Requirements
Numbers refreshed
Every driver in Kansas must carry at least this much coverage, and this is what it pays for.
- The average monthly cost for liability coverage is $44.
- For liability coverage, the minimum limits are 25/50/25.
- Of 51 states, this one has the 38th-highest cost (1st = highest).
Requirements in Kansas
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per crash | $50,000 |
| Property damage, per crash | $25,000 |
| Personal injury protection | Required, $4,500 |
| Uninsured motorist | Required |
| Underinsured motorist | Required |
| Fault system | No-fault |
Source: Kansas Insurance Department, Auto Shoppers Guide (PDF); Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
Coverage provided by each amount
The lowest liability limits Kansas allows are 25/50/25. That means $25,000 for each injured person, $50,000 for everyone injured in a single crash and $25,000 for harm done to property of other people.
These limits often don't cover the full cost of medical bills or a newer car. Anything higher than those limits can be demanded from you, so many drivers instead buy 100/300/100. A liability policy costs an average of $528 each year in Kansas.
If you drive with no insurance
In Kansas, driving without insurance may cost you your license and registration. Getting them back may require filing proof of insurance, for several years.
Send questions to the Kansas Department of Revenue, Division of Vehicles (Driver Solutions).
More car insurance information for Kansas
First written