Car insurance · Kansas
Car insurance requirements in Kansas
Liability 25/50/25, no-fault PIP benefits and uninsured/underinsured motorist coverage. Claims system: no-fault.
Verified summaryAll Kansas insurance topics
Requirements
Minimum car insurance requirements in Kansas
| 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 |
What the law requires you to carry
- 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
Uninsured drivers
Uninsured motorist coverage in Kansas
Uninsured/underinsured motorist: $25,000 per person / $50,000 per accident for bodily injury.
- 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.
Optional coverage
Coverage you can add in Kansas
- Higher PIP, liability and uninsured/underinsured limits
- Collision
- Comprehensive
Penalties
Penalties for driving without insurance in Kansas
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.
Good to know
Other things 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 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.
Contacts
Who to contact in Kansas
- 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 reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Kansas.
Home insurance resources and the health marketplace for Kansas are on its overview page.