Skip to Main Content
Find an Agent
Contact Us
Sign in
Search
Search
Sign in
image of the state of Kansas

Kansas car insurance requirements

Build a custom insurance policy that meets your state’s requirements and helps protect you from unexpected events.
Continue Previous Quote

Learn more

Arrow

Minimum mandatory auto insurance in Kansas

Car insurance minimums typically provide enough coverage to help pay liability claims related to others’ accident-related injuries and property damages. Your liability insurance minimums for Kansas are:

  • $25,000 bodily injury liability per person (Kansas Insurance Department, 2024, p. 2).
  • $50,000 bodily injury liability per accident (Kansas Insurance Department, 2024, p. 2).
  • $25,000 property damage liability per accident (Kansas Insurance Department, 2024, p. 2).

Personal Injury Protection is sometimes called No-Fault insurance, covering medical expenses and other related costs. In Kansas, your minimum PIP must include:

  • $4,500 per person for medical expenses (Kansas Insurance Department, 2024, p. 2).
  • $900 per month for one year for disability/loss of income (Kansas Insurance Department, 2024, p. 2).
  • $25 per day for in-home services (Kansas Insurance Department, 2024, p. 2).
  • $2,000 for funeral, burial or cremation expenses (Kansas Insurance Department, 2024, p. 2).
  • $4,500 for rehabilitation expenses (Kansas Insurance Department, 2024, p. 2).
  • Survivor Benefits: Disability/loss of income up to $900 per month for one year (Kansas Insurance Department, 2024, p. 2).
  • In-home services, up to $25 per day for one year (Kansas Insurance Department, 2024, p. 2).

Uninsured motorist coverage protects you if you are in an accident with someone without insurance. Your uninsured motorist policy requirements in Kansas include:

  • $25,000 bodily injury liability per person (Kansas Insurance Department, 2024, p. 2).
  • $50,000 bodily injury liability per accident (Kansas Insurance Department, 2024, p. 2).

Underinsured motorist coverage protects you if you are in an accident with someone without sufficient insurance. Your underinsured motorist policy requirements in Kansas include:

  • $25,000 bodily injury liability per person (Kansas Insurance Department, 2024, p. 2).
  • $50,000 bodily injury liability per accident (Kansas Insurance Department, 2024, p. 2).

The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions. We are not responsible for the content of any third-party sites that may be linked or mentioned in this article.

References

Kansas Insurance Department. (January 1, 2024) Auto Insurance Shoppers Guide. insurance.ks.gov/documents/department/publications/auto-shoppers-guide.pdf