Kansas Car Insurance Regulations & Required Coverage

Kansas car insurance regulations have strict penalties for those who choose to drive without auto insurance. Kansas is a no-fault state, and Kansas auto insurance laws dictate that after an accident, each driver (and their respective insurer) involved in the accident is responsible for paying their own damages and bodily injury coverage.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 11, 2020

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Kansas insurance laws have strict penalties for those who do not maintain financial responsibility. The most popular way of doing so is by purchasing a car insurance policy from an insurance agency
licensed in the state. Specific rules and regulations can vary from state to state so its important to stay current on Kansas laws if you live in or will be driving through the state.

Kansas is a no fault state. Their insurance laws dictate that after an accident, each driver (and their respective insurer) involved in the accident is responsible for paying their own damages from
the accident. This type of system usually makes claim processing quicker but limits legal rights of drivers and usually increases average premiums.

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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