State guide
Car Insurance in Kansas
Updated August 2026
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.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $25,000 |
| PIP / medical | PIP required (min. $4,500 medical per person, plus disability, in-home services, rehabilitation and funeral benefits) |
| Additional requirements | UM/UIM coverage equal to the bodily injury limits (at least 25/50) required in every policy — K.S.A. 40-284 |
| No-fault state | Yes |
| SR-22 used | Yes |
Source: K.S.A. §40-3107, §40-284 (Kansas Automobile Injury Reparations Act); Kansas Insurance Department
Average annual expenditure for auto insurance in Kansas was $867 in 2022. (NAIC 2022 Auto Insurance Database Average Premium Supplement (June 2024))
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.
Compare Kansas car insurance quotes
Enter your ZIP to see quotes from companies writing in Kansas. Free, about 2 minutes.
Frequently asked questions
What car insurance is required in Kansas?+
Liability coverage of at least 25/50/25 ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage), personal injury protection (PIP), and uninsured/underinsured motorist coverage equal to your bodily injury limits, per K.S.A. 40-3107 and 40-284.
Is Kansas a no-fault state?+
Yes. Kansas requires PIP coverage that pays your own medical and income-loss benefits after a crash regardless of fault, and it limits lawsuits unless injuries cross statutory thresholds.
Can I reject uninsured motorist coverage in Kansas?+
Not entirely. UM/UIM coverage at the 25/50 statutory minimum is mandatory in every Kansas policy. You may only reject, in writing, coverage that exceeds those minimums.
Does Kansas require SR-22 filings?+
Yes. The Kansas Department of Revenue requires an SR-22 certificate of financial responsibility, usually for three years, to reinstate a license after certain suspensions. Your insurer files it electronically with the state.
Ready to see your real rates?
Free, takes about 2 minutes, and you choose who contacts you.
See my rates