Kansas law requires every personal auto policy sold in the state to carry three types of coverage: liability, personal injury protection (PIP) and uninsured/underinsured motorist coverage. These are the minimums published by the Kansas Insurance Department:
| Coverage | Kansas minimum | What it pays for |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident | Injuries you cause to others |
| Property damage liability | $25,000 per accident | Damage you cause to others' vehicles and property |
| Personal injury protection (PIP) | See the PIP table below | Your own and your passengers' medical bills and lost income, regardless of fault |
| Uninsured/underinsured motorist bodily injury | $25,000 per person / $50,000 per accident | Your injuries when the at-fault driver has no insurance or not enough |
The liability limits are usually written as 25/50/25, the same as Missouri and Oklahoma. What makes Kansas different is the rest.
Kansas is a no-fault state for injuries. After a crash, your own PIP pays first for your medical bills and certain other losses, no matter who caused it. The minimum PIP benefits are:
| PIP benefit | Kansas minimum |
|---|---|
| Medical expenses | $4,500 per person |
| Disability / loss of income | $900 per month for one year |
| Substitution benefits (paying someone for tasks you can't do) | $25 per day |
| Funeral, burial or cremation | $2,000 |
| Rehabilitation to train for re-employment | $4,500 |
| Survivor benefits: loss of income | $900 per month for one year |
| Survivor benefits: substitution | $25 per day for up to one year |
Many companies offer higher PIP limits for an added premium. $4,500 of medical coverage can be used up by a single emergency room visit, so it's worth pricing more.
Kansas requires both uninsured (UM) and underinsured (UIM) motorist coverage at no less than 25/50. UM pays for your injuries when the at-fault driver has no insurance; UIM pays when they have insurance but not enough. For most drivers, we suggest matching UM/UIM to your liability limits. How UM and UIM work.
According to the Kansas Insurance Department, you need proof of insurance when you register a vehicle, renew a registration, if a law enforcement officer asks for it, and if you're in an accident. Keep your ID card in the vehicle or on your phone.
Under Kansas law (K.S.A. 40-3104), driving without the required insurance is a misdemeanor:
Your vehicle registration and driver's license can also be suspended until proof of insurance is provided. If Kansas requires an SR-22 to reinstate, see SR-22 insurance and moving with an SR-22.
If at least three companies have turned you down, the Kansas Automobile Insurance Plan can provide the coverage Kansas law requires. Before you go that route, call us: we work with companies that write drivers others won't. See car insurance after tickets, accidents or a lapse.
Your policy is written for the state where your car is principally garaged, usually where you live. A Galena or Baxter Springs resident who commutes to Joplin needs a Kansas policy with Kansas PIP. We're licensed in Kansas and write these every day from our Joplin office. Compare with Missouri's requirements and Oklahoma's.
Kansas Insurance Department, Auto Insurance Shopper's Guide · K.S.A. 40-3104
25/50/25 liability, personal injury protection (including $4,500 per person in medical benefits), and uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident.
Yes, for injuries. Your own personal injury protection pays first for your medical bills and certain other losses, regardless of fault.
Yes. Kansas requires both uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident.
A fine of $300 to $1,000 and up to six months in jail for a first offense, and $800 to $2,500 and up to a year for another offense within three years. Your registration and license can be suspended.
A policy for the state where your car is principally garaged, usually where you live. We're licensed in both.
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