Auto Insurance Requirements In Kansas

Kansas Auto Insurance 

According to the Kansas state law, all motorists applying for vehicle registration in Kansas are required to have valid vehicle liability insurance.

This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times. While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while Kansas law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in the Kansas

Kansas law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

• Liability coverage
  • $25,000/person for bodily injury
  • $50,000/accident for bodily injury
  • $25,000/accident for property damage
• Personal injury protection (PIP or No-Fault)
  • Minimum amount required by law:
    • $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
• Uninsured/Underinsured
  • $25,000/person
  • $50,000/accident

Penalties and Violations

If you drive without insurance in Kansas, this is considered a Class B Misdemeanor. Fines can range from $300 to $2,500, depending on the severity of the scenario in which you are caught driving uninsured. Penalties can range from the suspension of your license and registration to imprisonment. 

Choosing the insurance that’s actually right for you may seem overwhelming.  Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road.  Just fill out the form to get started!