Kansas Car Insurance Laws — EagleWay Auto Insurance
Whether you live and work in the Kansas City area or have a farm in central Kansas, affordable auto insurance coverage is essential for every resident of the “Sunflower State.” Take a few minutes to learn about cheap car insurance in Kansas — which coverages are mandatory, which ones are optional, and how EagleWay Auto Insurance can help you save. Get a free quote to see how much money you can save today.
Kansas Car Insurance Laws
Do you have to have car insurance in Kansas?
Kansas law requires all drivers to maintain continuous liability insurance for any vehicle registered in the state. Kansas auto insurance policies must meet minimum liability limits of 25/50/25. In addition, drivers must carry UM/UIM coverage and PIP coverage.
What is a no-fault state?
Kansas is a no-fault state, meaning that after an accident, each injured person files medical claims with their own insurance policy, regardless of who caused the crash. If someone does not have their own policy, they file a claim with the insurance covering the car they were riding in.
No-fault applies only to injuries. Property damage claims are always filed with the at-fault driver’s insurer.
Kansas Minimum Car Insurance Requirements
| Coverages | Is It Required by Law? |
|---|---|
| Bodily Injury Liability — covers injuries you cause to others. | Yes. $25,000 per person / $50,000 per accident. |
| Property Damage Liability — covers damage you cause to others’ property. | Yes. $25,000 per accident. |
| Uninsured/Underinsured Motorist (UM/UIM) — covers injuries caused by an uninsured or underinsured driver. | Yes. $25,000 per person / $50,000 per accident. |
| Personal Injury Protection (PIP) — covers medical expenses regardless of fault. |
Yes. Minimums: • $4,500 medical expenses per person • $900/month for disability for 1 year • $25/day for in-home services • $2,000 funeral expenses • $4,500 rehabilitation expenses |
| Collision Coverage — covers your vehicle after a crash. | Not required.1 |
| Comprehensive Coverage — covers non-collision damage (fire, theft, weather, animals). | Not required.1 |
1Your lender may require these coverages if you lease or finance your vehicle.
Optional Coverage Options in Kansas
- Roadside Assistance*
- Medical Payments Coverage (Med Pay)
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Kansas Proof of Financial Responsibility & Penalties
What if I don't meet Kansas’ minimum car insurance requirements?
Driving without insurance in Kansas carries harsh penalties. Depending on the offense, you could face:
- Significant fines
- Possible jail time
- License suspension
- Registration suspension
- SR-22 filing requirements
Penalties for Driving with a Suspended License in Kansas
Driving with a suspended or revoked license is a misdemeanor in Kansas. Penalties include fines, jail time, and extended suspension periods. Always fulfill reinstatement requirements before driving again.
SR-22 Insurance in Kansas
Drivers may need an SR-22 filing if they:
- Failed to maintain liability coverage
- Were convicted of DUI/DWI
- Committed serious traffic offenses
EagleWay Auto Insurance agents can help answer all SR-22-related questions and assist you in finding affordable coverage.
High-Risk Auto Insurance in Kansas
Some drivers are categorized as high-risk after multiple violations or a major violation. While some insurers avoid such drivers, EagleWay Auto Insurance proudly offers non-standard (high-risk) coverage. Your past shouldn't define your future — we’ll help you get back on the road with affordable protection.
Where to Find the Cheapest Auto Insurance Rates in Kansas
Kansas auto insurance rates depend on:
- Coverage amounts and types
- Vehicle make, model, and year
- Driving habits and location
- Age and demographics
- Driving record
- Credit history
EagleWay Auto Insurance can help Kansas drivers — including high-risk drivers — find the cheapest rates available.
Get a free Kansas car insurance quote today and let EagleWay Auto Insurance help you get affordable, reliable coverage.