Kansas Auto Insurance Requirements & Rates
Kansas requires 25/50/25 liability coverage and is a no-fault state.
Free to compare
Kansas at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Kansas operates as a traditional tort liability state, meaning the at-fault driver's insurance pays for damages in an accident. Drivers must carry proof of insurance at all times and present it during traffic stops or after crashes.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Cost Overview
about $81/mo
Average car insurance spending in Kansas
Rate data: NAIC Auto Insurance Database, 2023
Check Your Rate Against the Market
Compare Auto Rates for FreeFrequently Asked Questions
Is Kansas a no-fault state for car insurance?
No, Kansas operates as a traditional tort liability state where the at-fault driver's insurance pays for damages. However, Kansas does require personal injury protection (PIP) coverage, which provides no-fault medical payment benefits up to policy limits regardless of who caused the accident. This hybrid system combines tort liability for property damage with no-fault medical coverage.
Coverage Types
Liability Insurance
Pays for injuries and property damage you cause to others in at-fault accidents. Kansas's 25/50/25 minimums provide basic legal compliance but limited protection against serious claims that can result in personal asset exposure.
Full Coverage
Combines liability, comprehensive, and collision coverage to protect both your legal responsibility and your own vehicle. Adds protection against theft, weather damage, vandalism, and at-fault accident repairs.
Comprehensive Coverage
Covers non-collision damage to your vehicle including hail, tornado debris, theft, vandalism, flood, and animal strikes. Pays repair or replacement costs minus your deductible.
Uninsured Motorist Coverage
Protects you when hit by drivers with no insurance or insufficient coverage to pay your medical bills and vehicle damage. Covers the gap between their liability limits and your actual costs.
Collision Coverage
Pays to repair or replace your vehicle after a crash with another vehicle or object, regardless of fault. Covers single-vehicle accidents, rollovers, and at-fault collisions.
SR-22 Insurance
A certificate of financial responsibility filed by your insurer proving continuous coverage, required after DUI convictions, major violations, or license suspensions in Kansas.