Kansas Car Insurance Requirements (2024)
Essential Kansas car insurance regulations & required coverage: A comprehensive guide. Navigate the intricacies of auto insurance in Kansas, ensuring compliance and safeguarding your vehicle and finances. Explore the necessary coverage and stay informed about the regulations without any sales pressure.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Oct 23, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Welcome to our comprehensive guide on Kansas car insurance regulations and required coverage. If you’re a driver in Kansas, it’s crucial to understand the state’s car insurance laws and ensure you have the necessary coverage to comply with them. We will cover key topics such as minimum liability requirements and tips for finding the best car insurance in Kansas.
To get started on finding the perfect insurance policy tailored to your needs, simply enter your zip code below and compare rates from the top insurance providers in your area. Don’t miss out on the opportunity to secure the right coverage at the best possible price.
Required Coverage
All personal vehicles in Kansas require the following liability coverage requirements:
- Bodily Injury
- Property Damage
Additionally, Kansas requires the following:
- Uninsured/Underinsured Motorist Bodily Injury
- Personal Injury Protection (PIP)
| Minimum Kansas Car Insurance Requirements | |||
|---|---|---|---|
| Bodily Injury Liability | $25,000 / $50,000 Limit | ||
| Property Damage Liability | $10,000 Limit | ||
| Uninsured/Underinsured Bodily Injury | $25,000 / $50,000 Limit | ||
| Personal Injury Protection | $45,000 Medical / $900 Work Loss | ||
Additional insurance coverage can include:
- Comprehensive and Collision Coverage
Comprehensive and collision are both optional, but highly recommended. Collision pays for damage to your vehicle when it is involved in any type of accident. Comprehensive will pay for damage to
your vehicle from such incidents as flooding or tornadoes. It also pays for financial loss resulting from having your vehicle stolen. If your vehicle is listed on as one of the most stolen vehicles in Kansas, you should consider this coverage on that basis alone.
Proof of Insurance and Financial Responsibility
Establishing proof of insurance and financial responsibility
- Get a standard liability car insurance policy
- Self insurance – not available to all drivers
Required Documentation
In order to provide proof of insurance, you can provide one of the following:
- Insurance ID card
- Certificate of self insurance
You must maintain proof of insurance and financial responsibility:
- When asked by a police officer
- After an accident
- When registering your vehicle
- Anytime you drive your vehicle
Failure to Maintain Financial Responsibility Penalties
If you are not able to show proof of insurance, you can face the following penalties:
- First offense of up to $1,000 and 6 months in jail if left unpaid
- Subsequent offenses within 3 years of your previous offense can result in a fine up to $2,500, loss of your registration and loss of your license
- Associated reinstatement fees
Kansas Insurance Agents
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Frequently Asked Questions
What are the car insurance regulations in Kansas?
In Kansas, all drivers are required to carry liability insurance coverage, which covers bodily injury and property damage in the event of an accident. The minimum liability limits are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.
Are there any additional car insurance requirements in Kansas?
Yes, in addition to liability coverage, Kansas also requires drivers to carry personal injury protection (PIP) coverage. PIP provides coverage for medical expenses, lost wages, and other expenses related to an accident, regardless of who was at fault.
What is the minimum PIP coverage required in Kansas?
The minimum PIP coverage required in Kansas is $4,500 per person, per accident.
Are there any other optional car insurance coverages available in Kansas?
Yes, drivers in Kansas can purchase additional coverage options, such as collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
Is it mandatory to have uninsured/underinsured motorist coverage in Kansas?
No, uninsured/underinsured motorist coverage is not mandatory in Kansas, but it is a good idea to consider this coverage to protect yourself in the event of an accident with an uninsured or underinsured driver.
Can insurance companies in Kansas deny coverage based on a driver’s credit score?
No, insurance companies in Kansas are not allowed to deny coverage based solely on a driver’s credit score.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.