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Kansas car insurance requirements

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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).

Standard Kansas auto insurance coverages

The following standard car insurance coverages help provide basic financial protection from a variety of losses.
a white car with a blue logo

Collision coverage

Collision coverage helps protect you from collision or rollover damages, no matter who caused the accident.

Another driver bumps their car into yours as they back out of a parking spot. Collision coverage can assist with any repairs you may need.
a car with a sign on it

Comprehensive coverage

Comprehensive coverage helps protect you from damage caused by accidents that don’t involve colliding with another vehicle or object. Examples include hail damage, fire, flooding, theft, vandalism and collisions with animals.
Your car is parked under a tree, and a falling tree branch damages the windshield. Comprehensive coverage helps you get a replacement.
a white ambulance with orange stripes

Bodily injury liability coverage

If you cause a car accident that results in injuries, bodily injury liability coverage may help pay for accident-related medical treatment. It may also protect you if you're sued.
After a fender-bender, the other driver goes to the hospital with a broken nose. Bodily injury liability compensates for their medical bill.
a pair of medical tools

Medical expense coverage

If you were injured in a car accident, medical expense coverage may help pay for medical care for you and your passengers, regardless of who is at fault.
A car backed into you, causing your passenger to hit their head and need stitches. Medical expense coverage can help pay for their medical bills. 

Kansas add-on auto coverages

Add-on coverages help protect you from losses that would otherwise lead to potentially costly out-of-pocket expenses.
a car with a flat tire

Roadside assistance

Get service and support if your car breaks down with emergency roadside assistance coverage.

a person handing car keys to another person

Rental reimbursement

Cover transportation expenses while your vehicle is being repaired after a qualifying event.

an accident involving a car and a motorcycle

Underinsured coverage

Protect yourself from accident-related losses if another driver doesn't have enough insurance.

two cars involved in a rear-ending accident

Uninsured coverage

Help cover accident-related damages after a collision with an uninsured at-fault driver.

This article is for informational purposes only and based on information that is widely available. While we believe it to be reliable and accurate, we do not guarantee the accuracy or reliability of the information. Please check your state and local laws.

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