Kansas Minimum Auto Insurance Requirements (2024)
Kansas requires a minimum of 25/50/10 of bodily injury and property damage coverage. The average rate of auto insurance is around $29.85/mo.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Feb 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Kansas requires its drivers to purchase a minimum amount of car insurance that includes liability coverage, uninsured or underinsured motorist coverage, and personal injury protection
- Some Kansas drivers purchase more than the required amount of auto insurance to take advantage of the additional benefits it provides
- Shopping online is a great way to find an affordable car insurance rate in Kansas
- Driving without insurance or violating Kansas’ auto insurance requirements in other ways could result in the suspension of your driver’s license
In many states across the country, drivers are required to take financial responsibility for any expenses and other damages they cause while driving their vehicle.
Unfortunately, the cost of even a moderate accident could create tens of thousands of dollars of bills for you to pay for.
In order to ensure that drivers can pay for at least most of their accident-related expenses as they are legally required to, Kansas has established a minimum car insurance requirement that its drivers must comply with.
Compare car insurance quotes today by using our free rate tool above.
How to Read Car Insurance Requirements
Before you can buy a new car insurance policy that complies with this state’s guidelines and requirements, you need to learn how to read car insurance requirements.
Car insurance requirements usually list a coverage type and a numerical coverage limit next to it. The coverage limit is the maximum dollar amount of benefits that the insurance company will pay out for that accident or event.
There are descriptions of the more common types of auto insurance that you may need or want to buy:
- Bodily Injury Liability – If you cause an injury accident in Kansas, you are financially responsible for paying all medical expenses for other parties. Bodily injury liability coverage pays for those expenses, and it is required by law in this state.
- Personal Injury Protection (PIP) / Medical Payments – Personal injury protection coverage pays for any medical bills for you and others in your car. This includes loss of income, funeral expenses, and more. This coverage is required in Kansas.
- Property Damage Liability – If you cause vehicle damage or other types of property damage for other people while driving in this state, property damage liability coverage can pay for those expenses. Property damage liability insurance is a required type of coverage in Kansas.
- Uninsured and Underinsured Motorist Coverage – This is another type of required coverage for drivers in Kansas. It pays for any expenses that you incur through a hit and run accident or an accident with an uninsured driver.
- Collision – Collision insurance pays for your own vehicle repairs or for a full vehicle replacement in some cases, but it only covers collision events. Some lenders require collision insurance for as long as you carry a loan balance, but this type of insurance is not required by law.
- Comprehensive – This type of auto insurance pays for your vehicle-related expenses for a collision, theft, weather damage, and more. As is the case with collision insurance, some auto lenders require you to purchase comprehensive insurance.
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Minimum Coverage for Kansas
If you have plans to shop around for new car insurance in Kansas, you first need to determine how much insurance you want to buy.
The state’s minimum insurance requirements should be considered as a first step in this process.
If you plan to drive legally in this state, your insurance policy should at least include:
- $25,000 for bodily injury per person or $50,000 for bodily injury per accident
- $25,000 for property damage liability coverage
- Personal injury protection insurance with minimum amounts for itemized expenses
- $25,000 per person or $50,000 per accident for uninsured or underinsured motorist coverage
These car insurance requirements for drivers in Kansas are only relevant for private-use vehicles.
If you use your vehicle for commercial purposes, if you rarely or never drive your vehicle, or if there are other special circumstances, explore the unique car insurance requirements that are relevant to your situation before you buy new insurance.
If You Violate the Insurance Laws in Kansas
All drivers in Kansas are required to maintain at least the minimum coverages listed above, and you may face legal consequences if you do not comply with the law.
In many cases, drivers who do not purchase and maintain this coverage will face a driver’s license suspension, but other penalties could also be assessed in different situations.
Additional penalties may be assessed in the case of car insurance fraud.
Minimum Requirement vs. Recommended Coverage
The car insurance requirements for Kansas drivers are fairly robust in comparison to minimum insurance requirements in other states.
However, some drivers still opt to buy more than the minimum amount of insurance required by law, and you may wonder why they would willingly pay more than they need to for car insurance.
Some Kansas drivers purchase additional types of coverage, and others may increase their limits on the state-required coverages.
The primary reason for taking these steps is to reduce the amount of money you may have to pay out of your funds if you are involved in an accident or are affected by another damaging event.
Keep in mind that any expenses that your insurance policy does not cover are your responsibility, and other parties can sue you for damages if you fail to pay money that you legally owe to them per financial responsibility laws in this state.
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If You Buy Kansas Auto Insurance
Shopping for new auto insurance rates in Kansas can seem stressful and time-consuming, but it actually can be completed with minimal time and effort required.
The first step to take is to determine if you want to buy the minimum amount of auto insurance that is required by Kansas law and if you have any lender auto insurance requirements to comply with.
If you decide to purchase more than what is required by law and by your lender, you need to determine how much coverage you want to buy and which types of coverage to buy.
Buying Kansas auto insurance is most quickly and easily done through online quotes. Simply identify a few leading car insurance providers to request quotes from, and focus your attention on their reputation as well as their financial rating.
By taking these steps, you can identify the best deal available on the type of auto insurance that you want to buy in a concise and simplified manner.
Compare car insurance quotes side-by-side by using our free rate tool below. Just enter your ZIP code to get started.
Frequently Asked Questions
What are the minimum auto insurance requirements in Kansas?
Kansas requires a minimum of 25/50/10 of bodily injury and property damage coverage. This means you need at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $10,000 in property damage coverage.
What is the average rate of auto insurance in Kansas?
The average rate of auto insurance in Kansas is around $29.85 per month. However, it’s important to note that individual rates can vary based on factors such as driving history, age, and the type of vehicle insured.
What happens if I violate the insurance laws in Kansas?
All drivers in Kansas are required to maintain at least the minimum insurance coverages. If you fail to comply with the law, you may face legal consequences, including driver’s license suspension. Other penalties could also be assessed depending on the situation, and additional penalties may be imposed for car insurance fraud.
Why would someone buy more than the minimum required coverage in Kansas?
While the minimum car insurance requirements in Kansas are robust compared to other states, some drivers choose to purchase additional coverage or increase their coverage limits. This is done to reduce out-of-pocket expenses in case of an accident or other damaging events. Expenses not covered by insurance can be the driver’s responsibility, and failing to pay those expenses can lead to legal consequences.
How can I buy auto insurance in Kansas?
Shopping for auto insurance in Kansas can be done easily and efficiently online. Start by determining the minimum required coverage and any additional coverage you may want. Obtain quotes from reputable car insurance providers, focusing on their reputation and financial ratings. By comparing quotes, you can find the best deal on the type of auto insurance you need.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.