Kansas Car Insurance Requirements (Updated for 2025)

Driving in Kansas requires proof of financial responsibility—typically through liability, PIP, and uninsured motorist coverage. Failing to maintain the required insurance can lead to misdemeanor penalties, fines, license/registration suspension, and even jail time.

Minimum Coverage in Kansas

Kansas law mandates the following minimum auto insurance for 2025:

• Bodily Injury Liability: $25,000 per person / $50,000 per accident
• Property Damage Liability: $25,000 per accident
• Personal Injury Protection (PIP): $4,500 per person + disability/income, in-home services, funeral, rehabilitation benefits :contentReference[oaicite:1]{index=1}
• Uninsured/Underinsured Motorist: $25,000 per person / $50,000 per accident :contentReference[oaicite:2]{index=2}

Uninsured/Underinsured Motorist Coverage (UM/UIM)

Kansas requires UM/UIM bodily injury coverage at minimum limits. Drivers can reject this in writing under Kansas Statute §40‑284 :contentReference[oaicite:3]{index=3}.

Proof of Insurance Requirements

Drivers must carry physical or electronic proof of insurance. If requested, you have 10 days to produce it—or face administrative penalties :contentReference[oaicite:4]{index=4}.

Penalties for Driving Without Insurance

• First offense: Class B misdemeanor, $300–$1,000 fine, up to 6 months jail, suspension of license & registration until proof provided, $100 reinstatement fee, SR‑22 required for 1 year :contentReference[oaicite:5]{index=5}.
• Second offense (within 3 years): Class A misdemeanor, $800–$2,500 fine, possible jail, license/registration suspended, $300 reinstatement fee (or $100 if >1 year since prior), SR‑22 for 1 year :contentReference[oaicite:6]{index=6}.
• Third/habitual offense: 90 days mandatory jail, $1,500–$2,500 fine, license/registration revoked for 3 years, SR‑22 for 1 year :contentReference[oaicite:7]{index=7}.

SR‑22 Requirement

Any conviction for driving uninsured triggers a mandatory SR‑22 filing for at least one year. Multiple or DUI-related offenses may extend this up to five years :contentReference[oaicite:8]{index=8}.

“No‑Pay, No‑Play” Rule

Kansas does not impose a formal “no‑pay, no‑play” statute like some states, but uninsured drivers lose key rights and face harsher penalties.

At‑Fault vs. No‑Fault

Kansas is a no‑fault state for medical payments—requiring PIP coverage regardless of fault—while liability for bodily injury/property damage still follows an at-fault (tort) system :contentReference[oaicite:9]{index=9}.

Optional Coverages to Consider

• Comprehensive Coverage
• Collision Coverage
• Medical Payments (MedPay)
• Rental Reimbursement
• Roadside Assistance
• Underinsured Motorist Property Damage (UMPD)

Liability Limit Advice

While the state minimums satisfy legal requirements, medical and legal costs from serious accidents often exceed those amounts. Many experts recommend higher limits (e.g., 100/300/100) and robust UM/UIM coverage :contentReference[oaicite:10]{index=10}.

Compare Auto Insurance Quotes in Kansas

Average rates for minimum coverage are around $1,100 per year; SR‑22 filings can push premiums ~50% higher (~$1,422 annually) :contentReference[oaicite:11]{index=11}. Use comparison tools to find the best coverage at the best price.

🔍 Start Comparing Kansas Car Insurance Quotes →

FAQs

Is Kansas a no‑fault state?

Yes—Kansas requires Personal Injury Protection (PIP) benefits for medical expenses regardless of fault, while liability for damages to others remains at-fault.

Is UM/UIM coverage mandatory?

Yes—UM/UIM bodily injury coverage at state minimums is required unless rejected in writing.

What is SR‑22?

An SR‑22 is a certificate of financial responsibility your insurer files after a violation like driving uninsured; it’s required to reinstate privileges and must be kept for at least one year.

Can I waive uninsured motorist coverage?

Yes—drivers can decline UM/UIM coverage in writing under state statute §40‑284.