CAR INSURANCE BY STATE

Kansas is considered to be a “No-Fault” state, which simply means that your auto insurance policy covers you and your personal expenses and the other driver’s insurance policy covers them and their personal expenses relating to the accident. This is regardless of who is at fault.

This state carries with it one of the most detailed laws regarding mandatory insurance:

As required to be a “No Fault” state, each driver is required to carry Personal Injury Protection (PIP) with the following minimum limits:

  • $4,500 in medical expenses, per person.
  • $900 per month for disability/loss of income for year.
  • $25 per day for in-home assistance.
  • $2000 for funeral, burial, or cremation services.
  • $4,500 total for rehabilitation expenses.

The following benefits are also required and fall into the PIP coverage as survivor benefits:

  • $25 per day for in-home assistance for one year.
  • $900 per month for disability/loss of income for one year.

In addition to the required PIP, all Kansas drivers must also carry auto liability insurance with minimum coverage levels of 25/50/10 (see the chart below).

Uninsured/underinsured motorist protection is also required by Kansas law with minimum levels of 25/50 (see the chart below). This will help cover expenses in the event that you are struck by an uninsured motorist, or one without enough liability coverage on their own policy.

Suing for injuries sustained is only allowed under circumstances.

Kansas drivers may increase their protection by raising the levels of coverage on their auto policies, and/or adding on optional comprehensive and collision.

Coverage Type Required? Minimum Coverage Amount Required
Bodily Injury Liability Yes $25,000 per person

$50,000 per accident

Property Damage Liability Yes $10,000
Uninsured Motorist Bodily Injury Yes $25,000 per person

$50,000 per accident

Personal Injury Yes $4,500 per person

Auto Insurance for Leased Vehicles in Kansas (KS)

Most leasing companies in Kansas typically require drivers to maintain insurance coverage which exceeds the minimums set by Kansas state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000
  • Comprehensive and collision coverage: $500 maximum deductible

Insurance Agents By City/Town In Kansas

Contacts for Auto Insurance Information In Kansas

Kansas Department of Revenue: Division of Motor Vehicles 
PO Box 2188
Topeka, KS 66601-2188
www.ksrevenue.org/vehicle.htm
Kansas Insurance Department 
421 SW 9th Street
Topeka, KS 66612-1678
www.ksinsurance.org