Kansas Minimum Coverage Car Insurance: Requirements and Costs (November 2024)

Name: Kansas Minimum Coverage Car Insurance: Requirements and Costs (November 2024)
Item: Kansas Minimum Coverage Car Insurance: Requirements and Costs (November 2024)
Author: Mark Fitzpatrick

Kansas has minimum liability limits of 25/50/25. The average annual cost of minimum car insurance is $553 or about $46 monthly.

By Mark Fitzpatrick

Reviewed by Mark Friedlander

Edited by Venus Zoleta

Updated: October 29, 2024

Advertising & Editorial Disclosure

Kansas requires drivers to carry minimum car insurance that includes $25,000 for bodily injury per person, $50,000 for bodily injury liability per accident, $25,000 for property damage liability per accident, $25,000 for uninsured motorist bodily injury per person and $50,000 for uninsured motorist bodily injury per accident. Personal injury protection (PIP) of $4,500 per person is also required. As a no-fault state, Kansas mandates that drivers use their insurance to cover damage and injuries sustained.

The monthly cost of minimum coverage in Kansas is about $46. Drivers should also consider their needs for more comprehensive protection by reviewing the cheapest car insurance in Kansas.

TABLE OF CONTENTS

Kansas Minimum Coverage Requirements
Average Cost of Minimum Coverage Car Insurance in Kansas
Cheapest Companies in Kansas for Minimum Coverage
Add-On Coverages in Kansas
Penalties for Driving Without Insurance in Kansas
FAQ

Why Trust MoneyGeek? We analyzed data from Quadrant Information Services and the Kansas Department of Insurance to get the most accurate cost data for various Kansas drivers.

These rates reflect the cost of minimum coverage car insurance requirements in Kansas as of November 2024.

49,812Quotes Analyzed

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Kansas Minimum Coverage Car Insurance Requirements

In Kansas, drivers must have minimum auto insurance coverage to drive legally. The minimum requirements are as follows:

$25,000 for bodily injury liability per person
$50,000 for bodily injury liability per accident
$25,000 for property damage liability per accident
$25,000 for uninsured motorist bodily injury per person
$50,000 for uninsured motorist bodily injury per accident
$4,500 for personal injury protection (PIP) per person
Survivors benefits, including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services

Kansas is a no-fault state, which affects the cost of your insurance premium. The at-fault driver's insurance typically covers property damage and medical expenses for those injured in the accident. Minimum coverage is essential to protect drivers from potential financial burdens if they're at fault in an accident.

ARE COLLISION AND COMPREHENSIVE COVERAGE REQUIRED IN KANSAS?

Kansas doesn't mandate collision or comprehensive coverage as part of its minimum auto insurance requirements. However, if you finance or lease your vehicle, lenders will likely require both types of coverage to protect their investments from damage or loss. These coverages repair or replace your car in many situations that liability insurance doesn't cover, such as theft, vandalism and natural disasters, offering peace of mind against unpredictable incidents.

What Does Minimum Coverage Cover?

What Liability Insurance Covers	What Liability Insurance Doesn't Cover
Injuries to others if you're at fault in an accident	Your injuries
Damage to another person’s property if you're at fault in an accident	Damage to your car
Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy	Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased
	Repairs for weather-related accidents or if you were hit by an animal

The table reflects Kansas minimum car insurance inclusions: personal injury protection (PIP), liability and uninsured/underinsured coverage. Coverage specifics depend on the terms of an individual's policy.

Average Cost of Minimum Coverage Car Insurance in Kansas

A driver’s age is a key factor in determining the cost of minimum coverage car insurance. In Kansas, drivers aged 22 to 29 typically face the highest premiums due to their higher risk of accidents and less experience than older age groups.

The table below shows the average minimum coverage cost in Kansas per age group:


22-29	$667	$56
30-59	$553	$46
60 +	$552	$46

Cheapest Companies for Minimum Coverage Car Insurance in Kansas

In Kansas, the most affordable options for minimum coverage auto insurance are:

Auto-Owners: $337 per year and $28 per month
Iowa Farm Bureau: $414 per year and $35 per month

Find an insurance policy that's easy on the wallet and ensure it meets your specific needs. Weigh your options among the best car insurance providers in Kansas to make an informed decision.

Data filtered by:Results filtered by:

Age Group:

Age Group:30-59


Auto-Owners Insurance Co	$337	$28
Iowa Farm Bureau	$414	$35
Travelers	$414	$35
GEICO	$465	$39
American Family	$467	$39
State Farm	$475	$40
Progressive	$486	$40
Farmers Union Insurance	$500	$42
Shelter	$502	$42
Farmers	$561	$47
Nationwide	$605	$50
Allstate	$782	$65
Dairyland	$1,183	$99

Optional Add-On Coverages in Kansas

In Kansas, drivers can enhance their protection with optional add-on coverages like comprehensive, collision, uninsured/underinsured motorist, medical payments and roadside assistance. These coverages safeguard against theft, accidents with uninsured drivers and unexpected repairs, offering peace of mind beyond the state minimum coverage. To determine how much car insurance you need, consider your circumstances and the value of your vehicle.

Add-On Coverage	What It Covers	What It Doesn't Cover
Uninsured/Underinsured motorist coverage	Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance	Damage to your vehicle if you're at fault or damage that exceeds policy limits
Personal injury protection (PIP)	Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault	Vehicle damage or injuries to the other driver
Roadside assistance	Services like towing, flat tire changes and jumpstarts when your car breaks down	Cost of parts or repairs needed after the tow
Gap insurance	Pays the difference between your car's current value and what you still owe if it's totaled or stolen	Vehicle depreciation or overdue loan payments
Rental car reimbursement	The cost of a rental car while your vehicle is being repaired after a covered event	Fuel, insurance or other rental extras
Collision coverage	Repairs to your car after an accident, regardless of fault	Damage due to theft, vandalism or natural disasters
Comprehensive coverage	Repairs to non-collision damage from events like theft, fire or hail	Damage from a collision or personal injuries
Towing and labor coverage	Towing and basic roadside assistance labor costs at the site of your vehicle's breakdown	More extensive repairs needed at a garage
Custom parts and equipment coverage	Safeguards aftermarket enhancements like custom wheels or stereo systems	Original parts that came with your vehicle
Accidental death coverage	Offers a payout if you or a passenger dies or experiences certain injuries in a car accident	Non-accidental death or injuries
Classic car insurance	Agreed-upon values for your unique vehicle, tailored for vintage or collector cars	Regular use like your daily commute

Penalties for Driving Without Insurance in Kansas

In Kansas, the cost of a ticket for driving without insurance varies depending on whether it is your first offense or if you have been caught before. Penalties are usually less severe for first-timers, while repeat offenders can expect heavier fines and consequences. Consequences for driving uninsured range from fines to more serious legal repercussions, regardless of whether it's a first-time offense.

Additional penalties for driving without minimum coverage auto insurance in Kansas include:

Vehicle impoundment, which comes with its own set of fees.
Vehicle registration suspension, meaning you cannot legally drive the car.
License suspension and a fee to get your license reinstated.
A possible SR-22 requirement to prove financial responsibility.

Driving without insurance carries significant risks, including legal and financial consequences. Abide by the law and ensure you have the required minimum coverage auto insurance to protect yourself and others on the road.

What to Do if Your Policy Is Canceled

If your car insurance policy is canceled in Kansas, immediately seek new coverage to avoid the grave risk of driving uninsured. Contact an insurance agent or explore different insurance companies to secure a new policy. Kansas law requires continuous coverage, and driving without it could lead to fines and your driver's license suspension.

The Kansas DMV will be notified of your lack of insurance through its electronic verification system. If you're caught driving without the state minimum coverage, the DMV will be aware, and you may face penalties.

If you have difficulty getting insurance, the Kansas Automobile Insurance Plan (KAIP) is an option for high-risk drivers. KAIP allows insurance companies to share the risk of insuring drivers who may be uninsurable. Remember that driving without at least the minimum car insurance required in Kansas can have severe legal and financial consequences.

WHY WAS MY POLICY CANCELED?

Your car insurance policy in Kansas may have been canceled for a few reasons:

Non-payment: If you don't pay your insurance premiums on time, your policy can be canceled.
Driving record: Accidents, tickets or too many claims can lead to cancellation.
Fraud: Lying or providing false information on your insurance application is illegal and can result in cancellation.
State minimum requirements: Failing to carry the state minimum coverage can cause your insurer to cancel your policy.

FAQ: Kansas Minimum Coverage Car Insurance

We answered common questions about minimum coverage in Kansas to help you understand the insurance needed to comply with state laws.

What is the minimum car insurance coverage in Kansas?

Kansas mandates that drivers have minimum coverage auto insurance, including $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage liability. It also requires uninsured/underinsured motorist coverage at $25,000 per person and $50,000 per accident. Personal injury protection is also compulsory, offering $4,500 per person for medical expenses, with additional stipends for disability and survivor benefits.

Why does Kansas require minimum automobile liability coverage for motorists?

Kansas requires minimum automobile liability coverage to ensure drivers take financial responsibility for damage or injuries they may cause in an accident. This coverage protects the policyholder, other drivers, passengers and pedestrians, providing a safety net against the high costs of vehicle collisions.

Do you need comprehensive insurance in Kansas?

Kansas doesn’t legally require comprehensive insurance. However, protecting against non-collision incidents like theft, vandalism or weather damage is recommended. It’s essential if you have a newer car or are leasing or financing, as lenders often require it.

What happens if you drive uninsured in Kansas?

Driving uninsured in Kansas can lead to severe consequences. Expect a fine from $300 to $1,000 for a first offense. Repeat offenders may face steeper penalties. Additionally, you'll be required to file an SR-22 form to prove financial responsibility and maintain it for three years, typically three years. Ensure you have the state-required minimum coverage to avoid these risks.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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