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Kansas- Auto Insurance

All drivers in Kansas are required to carry auto insurance that meets the state’s minimum requirements. Kansas is a “no fault” state, which means no matter who caused the accident, your insurance policy will cover any injury claims that stem from the accident.


  • Liability coverage is required in Kansas. The policy must provide at least $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property damage.
  • Personal injury coverage also has required minimums. In Kansas, all drivers must have policies which cover $4,500 per person for medical expenses, $900 per month for a year of disability or loss of income, $25 a day for in-home services, $2,000 for funeral, burial or cremation fees, and $4,500 to cover rehabilitation expenses.
  • Uninsured/underinsured coverage coverage also is mandated. The policy must cover $25,000 per person and $50,000 per accident for uninsured and underinsured drivers.


Kansas Dept. of Insurance
420 SW 9th St.
Topeka, Kansas 66612-1678
Phone: 1-785-296-3071
Toll-free: 1-800-432-2484 (In-state)
Fax: 1-785-296-2283

Web Site:

Kansas (KS) Mandatory Auto Insurance Minimums:

  • Liability: 25/50/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Other Mandatory Insurance: Personal Injury Protection, Uninsured Motorist — No Fault State
  • Regulations Regarding Proof of car insurance: Proof Required – When Obtaining Registration, If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory Insurance: Fine up to $1000 fine plus jail term up to six months

Inside Kansas- Auto Insurance