Last updated: November 2023

Kansas Auto Insurance

Whether you live and work in the Kansas City area or have a farm in central Kansas, affordable auto insurance coverage is a must for every resident of the “Sunflower State.” So, take a few minutes to learn about car insurance in Kansas. Find out which coverages are mandatory, which ones are optional, and how a Direct Auto Insurance policy could be your cheap Kansas car insurance solution. Get a free quote to see how much money you can save.

Kansas Car Insurance Laws

Do you have to have car insurance in Kansas?

Kansas law requires all drivers to maintain continuous liability insurance for any vehicle they have registered in the state. Kansas auto insurance policies must at least meet the minimum liability coverage limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Kansas are 25/50/25, as shown below under Kansas Minimum Car Insurance Requirements.

In addition to liability coverage, Kansas drivers must carry uninsured/underinsured motorist bodily injury coverage and personal injury protection (PIP).

What is a no-fault state?

When people say, “Kansas is a no-fault state,” what do they mean? Well, in a no-fault state, each person injured in a car accident files a claim with their own insurance company and relies on their own coverage to pay for their medical expenses regardless of who was at fault. If an injured party does not have their own auto insurance, they would file a claim under the policy insuring the vehicle they were occupying at the time of the accident.

In an at-fault state, however, the at-fault driver would be liable for 100% of the injured person’s medical expenses. In this scenario, the at-fault driver's insurance would help cover the accident victim's expenses.

No-fault coverage only applies to personal injuries. In both no-fault states and at-fault states, drivers file property damage claims with the at-fault party’s insurer.

Kansas Minimum Car Insurance Requirements

Wondering what your auto policy needs to meet Kansas insurance requirements? Here’s a quick breakdown by coverage type.


Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $25,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run.

Yes. $25,000 UM/UIM bodily injury per person/$50,000 UM/UIM bodily injury per accident.

Personal Injury Protection helps pay for your medical and related expenses stemming from an accident, regardless of fault.

Yes. $4,500 per person for medical expenses. $900 per month for one year for disability or loss of income. $25 per day for in-home services. $2,000 for funeral, cremation, or burial expenses. $4,500 for rehab expenses.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.1

IMPORTANT NOTE: While purchasing liability coverage and other state-mandated coverages ensures you follow Kansas’ laws, it doesn’t necessarily protect you and your vehicle in every circumstance. You would need to add additional coverage (like comprehensive and collision) to protect yourself more fully.

1Coverage may be required by your lender if you lease or finance your vehicle.

Are there additional coverage options?

For added peace of mind, Direct Auto offers add-on services and other insurance products for Kansas drivers:

Kansas Proof of Financial Responsibility and Penalties

What if I don't meet Kansas’ minimum car insurance requirements?

Thinking about getting behind the wheel without auto insurance in Kansas? Before you do, consider the serious consequences uninsured drivers face. If you’re caught driving without insurance in Kansas, you could be fined heavily, face potential jail time, lose your driving privileges, have your registration suspended, and have to fulfill SR-22 requirements. The exact penalty depends on your specific situation and which offense it is.

Penalties for Driving with a Suspended License in Kansas

It’s against the law to operate a vehicle without a valid driver’s license in Kansas. The exact penalty for driving with a suspended or revoked license can vary, but it’s generally a misdemeanor charge that can come with jail time, fines, and an increased license suspension. Therefore, if your license is suspended for any reason, be sure to follow the appropriate steps for reinstatement before getting behind the wheel again.

SR-22 Insurance in Kansas

In many states, high-risk drivers are also required to keep an SR22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Drivers might need to fulfill SR-22 requirements if:

If you have any questions about SR-22 filings, we’d be happy to help. Our agents specialize in helping people find affordable car insurance coverage, regardless of their history.

High-Risk Auto Insurance in Kansas

Many individuals don’t have a spotless driving record, and after a certain number of violations or a serious enough violation, drivers can be considered a major risk to insure. While some companies try to steer clear of these individuals, other insurance companies offer non-standard insurance (another name for high-risk auto insurance) to provide financial protection for these drivers.

We believe your driving history shouldn't define you forever, and we work hard to find quality, affordable coverage for every driver, regardless of their past.

Where can I find the cheapest car insurance rates in Kansas?

Car insurance costs vary depending on the following factors:

  • The amount & type of coverage you choose
  • The year, make, and model of the vehicle you drive
  • How much you drive, where you drive, and where you live
  • Your demographics
  • Your driving record
  • Your credit history

Kansas Regional Auto Insurance

Depending on where you live, you might have specific wishes and “must-haves” in your mind for your car insurance policy. After all, drivers in more populated areas tend to encounter more traffic and have a higher risk of accidents than people living in more rural areas. But no matter what city you call home in Kansas, we’re here to help you get covered.

Kansas City Auto Insurance

Olathe Auto Insurance

Overland Park Auto Insurance

Topeka Auto Insurance

Wichita Auto Insurance

Other Kansas Auto Insurance Resources

Find Cheap Car Insurance in Kansas with Direct Auto!

Looking for affordable and cheap car insurance in Kansas? Get a free car insurance quote for a Direct Auto policy today that meets your state’s requirements, fits your needs, and includes any discounts you’re entitled to receive so your premium is the lowest price possible. Call or click to get a Kansas car insurance quote today!


* Roadside Assistance is not insurance and is administered through Nation Safe Drivers, Boca Raton, FL. Not all benefits available in all states.

** The “Direct Auto Insurance” brand is used by insurers in the National General Group, Winston-Salem, NC to describe their direct-to-consumer auto insurance programs. Direct Auto Insurance branded policies are produced by Direct General Insurance Agency, Inc. dba “Direct Auto Insurance” and by National General Insurance Marketing Inc.

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