Kansas is one of roughly a dozen no-fault states, and its required policy is a genuine package: 25/50/25 liability limits ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage), personal injury protection (PIP), and, unusually, uninsured/underinsured motorist coverage baked into every policy at limits matching your bodily injury coverage. Under K.S.A. 40-3107, you cannot buy a Kansas auto policy without all three pieces.
That structure means a 'minimum' Kansas policy already does more than a minimum policy in most neighboring states. It also means carriers price the whole bundle differently, so two quotes for identical state-minimum coverage can land surprisingly far apart, which is exactly where comparing quotes side by side earns its keep.
The figures below explain the policy structure used in Kansas. They do not predict an individual premium. For a broader view of how state rules differ, use our national car insurance directory.
Kansas minimum car insurance requirements
Most quotes begin with liability coverage. Bodily injury liability addresses covered injury claims made by other people when you cause a crash. Property damage liability addresses covered damage to their vehicles or other property. The legal minimum keeps a policy compliant, but it does not say how much financial risk a household can comfortably retain.
- Coverage
- Bodily injury liability, one person
- Required amount or rule
- $25,000
- What it generally addresses
- Covered injuries to one other person
- Coverage
- Bodily injury liability, one accident
- Required amount or rule
- $50,000
- What it generally addresses
- Total covered injuries in one accident
- Coverage
- Property damage liability
- Required amount or rule
- $25,000
- What it generally addresses
- Covered damage you cause to other property
- Coverage
- PIP or medical coverage
- Required amount or rule
- PIP required (min. $4,500 medical per person, plus disability, in-home services, rehabilitation and funeral benefits)
- What it generally addresses
- Initial covered injury benefits under the no-fault system
- Coverage
- Additional state rule
- Required amount or rule
- UM/UIM coverage equal to the bodily injury limits (at least 25/50) required in every policy, K.S.A. 40-284
- What it generally addresses
- Review the selection or rejection shown on the quote
- Coverage
- Accident framework
- Required amount or rule
- No-fault
- What it generally addresses
- Your own injury coverage may respond first
- Coverage
- SR-22 filing
- Required amount or rule
- Used in this state
- What it generally addresses
- Applies only when ordered after qualifying events
| Coverage | Required amount or rule | What it generally addresses |
|---|---|---|
| Bodily injury liability, one person | $25,000 | Covered injuries to one other person |
| Bodily injury liability, one accident | $50,000 | Total covered injuries in one accident |
| Property damage liability | $25,000 | Covered damage you cause to other property |
| PIP or medical coverage | PIP required (min. $4,500 medical per person, plus disability, in-home services, rehabilitation and funeral benefits) | Initial covered injury benefits under the no-fault system |
| Additional state rule | UM/UIM coverage equal to the bodily injury limits (at least 25/50) required in every policy, K.S.A. 40-284 | Review the selection or rejection shown on the quote |
| Accident framework | No-fault | Your own injury coverage may respond first |
| SR-22 filing | Used in this state | Applies only when ordered after qualifying events |
What the state minimum covers, and what it leaves with you
A minimum policy is designed to satisfy state law. It is not designed around the value of your car, the size of a possible injury claim or the amount of savings you want to protect. Those are household decisions, so they need a separate review.
A financed or leased vehicle commonly needs collision and comprehensive coverage under the contract even when state law does not require them. For plain-language definitions and buying context, visit our insurance guides before selecting limits.
Rules and risks that matter in Kansas
State law is only the starting point. These Kansas-specific details show what to confirm before you compare coverage or buy a policy.
How Kansas no-fault PIP works
After an accident, your own PIP coverage pays your initial medical and related costs regardless of who caused the crash. The Kansas Automobile Injury Reparations Act sets the minimum PIP package every policy must include:
PIP covers the named insured, resident relatives, anyone driving the insured car, its passengers, and even pedestrians the vehicle strikes. Lawsuits for pain and suffering are restricted unless the injury crosses thresholds set in the statute, the trade-off at the heart of any no-fault system.
- $4,500 per person for medical expenses
- $900 per month, up to one year, for disability and lost income
- $25 per day for in-home services
- $4,500 for rehabilitation expenses
- $2,000 for funeral, burial or cremation expenses
Mandatory uninsured/underinsured motorist coverage
Kansas is stricter than most states on UM/UIM. K.S.A. 40-284 requires every policy to include uninsured and underinsured motorist coverage with limits equal to your bodily injury liability limits. You can reject in writing only the portion that exceeds the 25/50 statutory floor, the base coverage itself is not optional.
Nationally, 15.4% of drivers were uninsured in 2023 (Insurance Research Council), so this mandate does real work: if an uninsured driver hits you, your own policy stands in for the coverage they should have carried.
SR-22 filings in Kansas
Kansas uses SR-22 certificates. After suspensions for offenses such as DUI or driving uninsured, the Kansas Department of Revenue's Division of Vehicles requires your insurer to file an SR-22, typically maintained for three years, before reinstating your license. A lapse restarts the clock, and carriers price SR-22 risk very differently, so drivers who need a filing tend to see the widest quote spreads of anyone.
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Start a Kansas quote requestWhat affects car insurance rates in Kansas?
Average annual expenditure for auto insurance in Kansas was $867 in 2022. This is a historical statewide expenditure benchmark from NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024). It combines many types of drivers and policies, so it should be used for market context rather than as a current quote estimate.
Insurers apply their filed rating plans to the household in front of them. Two neighbors can see different prices, and the same household can receive a wide range from different companies because each insurer weighs the inputs differently.
Garaging location
Claim frequency, traffic, repair costs, theft and weather exposure vary across Kansas ZIP codes.
Drivers and record
Age, driving experience, citations, accidents, claims and continuous insurance history can affect price and eligibility.
Vehicle and use
Repair technology, vehicle value, annual mileage, commute and business use change the potential cost of a claim.
Coverage choices
Liability limits, collision, comprehensive, optional benefits and deductibles determine what the policy is being asked to pay.
Household details
Other licensed drivers, additional vehicles and bundling opportunities can change the account-level price.
Company fit
Insurers target different customer profiles. No one company is consistently cheapest for every driver in every territory.
Before you switch
Read the declarations, not only the price.
The declarations page shows drivers, vehicles, limits, deductibles and selected benefits. Match those fields before deciding that one quote is better.
Learn how a quote becomes a policy →How to compare Kansas car insurance quotes
Keep the drivers, vehicles, limits, deductibles, dates and payment method the same. Then compare the full-term cost and change only one choice at a time.
Compare insurance companies on price, coverage and service
A familiar name is not automatically the best fit. Compare how each insurer sells and services policies, which optional programs it offers and whether it writes your profile in Kansas. Availability and underwriting can vary by state.
See how Progressive sells and services policies →
See how GEICO sells and services policies →
See how State Farm sells and services policies →
See how Allstate sells and services policies →Company marks link to independent editorial reviews. They do not identify quote partners or a personalized match.
Browse all company reviews →Compare car insurance by Kansas city
State law applies across Kansas, but the garaging address can add a more local rating layer. Use a city guide to review ZIP related factors, vehicle details and the quote worksheet, then return here for the state requirement source.
Check the facts
Rules and market data used on this Kansas page
The minimum-coverage table is paired with a first-party state reference, and the legal authority named in the guide is K.S.A. §40-3107, §40-284 (Kansas Automobile Injury Reparations Act); Kansas Insurance Department. Historical premium context is labeled by year and linked to the underlying publication. These sources do not replace a policy contract or individualized legal advice; rules and forms can change, so confirm current requirements with the regulator, insurer or a licensed professional.
State requirement source
Kansas Revisor of Statutes — K.S.A. §40-3107 ↗Official Kansas statute defining required motor vehicle insurance coverage under the no-fault act.
Historical market data
NAIC — 2022 Auto Insurance Database Average Premium Supplement ↗Historical statewide average-expenditure data published by the National Association of Insurance Commissioners in June 2024.
Regulator directory
NAIC — State insurance department directory ↗Directory of state insurance regulators for current consumer guidance, licensing checks and complaints.
Checked by Show my rates · Last updated August 3, 2026
Kansas car insurance FAQs
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