Last updated: November 2023

Topeka, KS Auto Insurance

Whether you’re commuting to work or traveling to Lake Shawnee to enjoy an afternoon in the sun, affordable auto insurance coverage is a must for every journey around the Sunflower State. So, take a few minutes to learn about car insurance in Topeka. Find out which coverages are mandatory, which ones are optional, and how a Direct Auto Insurance policy could be your cheap Topeka car insurance solution. Get a free quote to see how much money you can save.

Topeka, KS Minimum Car Insurance Requirements

Kansas auto insurance policies must at least meet the state’s minimum liability coverage limits, typically expressed as three numbers (representing thousands of dollars) separated by slashes. For example, the liability limits in Kansas are 25/50/25. In addition to liability coverage, Kansas residents must carry uninsured/underinsured motorist bodily injury coverage and personal injury protection (PIP).

If you’re still confused what your insurance policy must include, please refer to the chart below.

Coverages

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


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

Topeka, KS Proof of Financial Responsibility & Penalties

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.

SR-22 Insurance in Topeka, KS  

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.

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 the Kansas City area 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 the Sunflower State, we’re here to help you get covered.

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Get Covered with Direct Auto Insurance!

Looking for affordable and cheap car insurance in Topeka? 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!

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