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Kansas Car Insurance Guide

Getting car insurance in Kansas can be a daunting task, especially since Kansas is a no-fault state. If you don’t completely understand the minimum required car insurance coverages it can be that much more overwhelming. is here to save you from the headaches and save you time. We have compiled this guide that lists the information you need to know so that you can easily get the car insurance plan that fits your personal needs - at the lowest rate.

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Minimum Requirements

As mentioned above, Kansas is a no-fault state meaning that everyone is responsible for their own bodily injury and property damage, regardless of fault. So the minimum requirements for car insurance are different than tort states. A benefit is knowing exactly how much coverage you have in an accident. We have listed the required car insurance coverages and the limits below:

Bodily Injury Liability Coverage

$25,000 per person and $50,000 per accident.

Property Damage Liability Coverage $25,000 per accident.
Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000.
Personal Injury Protection $4,500 medical or $900 work loss.



Is Minimum Coverage Enough?

Adding additional coverage is always recommended for the most protection, especially if you are not carrying full coverage. There are a variety of situations that are not covered by the minimum required car insurance. Those additional coverages can lessen the risk of out-of-pocket costs and give you peace of mind. 


Additional Coverages Available

We have put together a list of additional car insurance coverages and how they can protect you: 

  • Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for. 

  • Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen. 

  • Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident. 

  • Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances. 

  • Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars. 

  • Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.


Teen Driver

Kansas uses a Graduated Driver License program for teen drivers. This program can start as young as 14. When your teen begins driving it is imperative to add them to your policy or get them their own policy. Adding them to your policy is typically the cheaper route. Either way, the premiums for teen drivers is expensive. There are discount options if your teen meets the criteria, but the rates will still be higher than an older more experienced driver. Remember teen drivers are held to the same standards as an adult driver, so having car insurance is a must. 


Multiple Drivers in Kansas

In your house, if there is more than one driver you need to let your car insurance agent know. It is important to disclose all drivers in your household to your insurance company to avoid any lack of coverage, additional charges, or the potential they will no longer provide insurance for you. 

If you do not want to add everyone in your household to your policy you can always exclude them. By doing this the insurance company will not cover them or your vehicle while they are driving it. Moreso you will be responsible for any monetary expenses out-of-pocket.


Penalties for Driving Without Car Insurance 

If you are caught driving without car insurance in Kansas there are some stiff penalties. These penalties are costly and include jail time. Here is a list of the penalties: 

  • First Offense- You will pay a fine of $300 - $1,000. You could be sentenced to not more than six months in jail or a combination of both fine and confinement. Your driver’s license and registration will be suspended until proof of insurance is filed. You will have to pay a $100 reinstatement fee and file an SR-22 certificate for three years.

  • Second Offense- You will pay a fine of $800 - $2,500. You could be sentenced up to one-year confinement. Your driver's license and registration will be suspended until proof of insurance is filed. You will have to pay a $300 reinstatement fee and file SR-22 certificate for three years.

  • Third Offense/Habitual Violation- You will pay a fine of $800 - $2,500. You will be sentenced one to two years in jail.  Your driving privilege will be revoked for three years. You will have to pay a $300 reinstatement fee and file SR-22 certificate for three years.


Car Insurance Discounts in Kansas

There are so many car insurance discounts out there to benefit from. We always recommend asking your car insurance agent for a complete list of discounts. This will give you the chance to assess the criteria and decide which discounts you qualify for. We put together a short list of   discounts in Kansas: 


  • Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations. 

  • Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance. 

  • Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.


Get a Quote

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