State guide
Insurance in Kansas
Required coverage, penalties, official contacts and sources for Kansas, reviewed 2026-10.
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Car insurance
What Kansas requires.
Liability 25/50/25, no-fault PIP benefits and uninsured/underinsured motorist coverage. Claims system: no-fault.
| Coverage | Requirement in Kansas |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Injury protection | Personal injury protection (PIP): $4,500 per person for medical expenses and $4,500 for rehabilitation, plus $2,000 for funeral, burial or cremation and $25 per day in substitution benefits |
| Uninsured / underinsured motorist | Uninsured/underinsured motorist: $25,000 per person / $50,000 per accident for bodily injury |
Required coverage
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection with the benefits listed in the Department's guide
- Uninsured/underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
Other coverage commonly available
- Higher PIP, liability and uninsured/underinsured limits
- Collision
- Comprehensive
If you drive without required coverage
Kansas law mandates that anyone who operates an automobile in Kansas has auto insurance. Penalties are set by Kansas law, so confirm current penalties with the Kansas Department of Revenue, Division of Vehicles.
Notices
What to know in Kansas.
- The Kansas Insurance Department says proof of insurance is required when registering a vehicle, renewing a registration, and when requested by a law enforcement officer.
- Kansas law requires every personal automobile policy sold in the state to include liability, personal injury protection and uninsured/underinsured motorist coverage at the levels the Department lists.
- Kansas residents who do not own a car or motorcycle can still access PIP benefits through the Kansas Automobile Assigned Claims Plan.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Kansas Insurance Department
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Kansas Insurance Department publishes consumer guides and is the state authority for questions about insurers, agents and complaints.
Health insurance
HealthCare.gov
HealthCare.gov (federal marketplace)
- Kansas is not on HealthInsurance.org's list of state-run or state-based marketplaces for the 2026 plan year, so residents use HealthCare.gov.
- Confirm current enrollment dates and eligibility for financial help on HealthCare.gov.
Contacts
Who to contact.
- Kansas Insurance Department
- Website: insurance.kansas.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
Keep going.
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