Kansas Car Insurance Requirements

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Required car insurance in Kansas

Kansas requires three types of auto insurance: Liability, uninsured motorist coverage and personal injury protection. But you may want more insurance than the state requires. Let's look at what's available. 

Auto liability insurance pays for damage and injuries you cause to others. It's the foundation for auto insurance policies. If you don't have enough liability insurance you could still be sued for remaining accidents bills.

Minimum liability insurance in Kansas:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

This is known as 25/50/25.

Minimum uninsured/underinsured motorist (UM/UIM) coverage:

  • Kansas requires drivers to have UM/UIM coverage. This insurance pays your medical bills if you're hit by someone with little or no auto insurance. Insurance companies must first offer you UM/UIM at limits matching your liability amounts. You can reject that, but you must buy at least $25,000 per person/$50,000 per accident (25/50).

   More: Cheap car insurance in Kansas

Minimum personal injury protection (PIP) in Kansas

Kansas has a no-fault insurance system. That means you'll make small injury claims on your own auto insurance policy, no matter who was at fault. You must buy personal injury protection (PIP) in Kansas, which pays these claims.

The minimum PIP coverage in Kansas is:

  • $4,500/person for medical expenses
  • $900/month for one year for disability/loss of income
  • $25/day for in-home services
  • $2,000 for funeral, burial or cremation expense
  • $4,500 for rehabilitation expense
  • Survivor Benefits: Disability/loss of income up to $900/month for one year
  • In-home services up to $25/day for one year

   More: No-fault insurance

Comprehensive and collision coverage:

  • These are not required by the state, but if you have a car loan or lease you are probably required to buy them. Comprehensive and collision coverage pay for damage to your own vehicle and car theft. The damage causes they cover include hail, floods, fire and crashes with other cars and animals.

You must show an insurance ID card (or other proof of financial responsibility) in Kansas when:

  • Law enforcement requests it
  • You renew vehicle registration

Penalties for not having car insurance in Kansas

  • First offense: Fine from $300 to $1,000, jail for six months, or both
  • Subsequent within three years: Fine from $800-$2,500
  • May also suspend license and registration

Source: Property Casualty Insurers Association of America

Complaints against auto insurance companies in Kansas

All state departments of insurance collect complaints against insurance companies. Shown below are national complaint ratios for the largest car insurance companies in Kansas. The ratios show the level of complaints relative to an insurer's size. 

Kansas car insurance complaints for large companies

Updated June 12, 2018

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