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Kansas car insurance

Kansas Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Kansas mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times. Anyone caught driving without valid auto insurance coverage can be found guilty of a Class “B” misdemeanor. This carries with it a $300 to $1000 fine and imprisonment up to 6 months.

A second offense is considered a Class “A” misdemeanor, which carries a minimum fine of $800 to $2500.

Kansas Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Kansas they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $10,000

Minimum PIP coverage:
  • Medical expense per person: $4500
  • Disability coverage: $900 per month for one year
  • In-home services: $25 per day for one year
  • Funeral/burial/cremation: $2000
  • Rehabilitation expense: $4500

Survivor benefits:
  • $900 per month for one year
  • In-home services: $25 per day for one year

Kansas Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects drivers in case you are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Kansas requires everyone to carry minimum UM/UIM coverage of $25,000 per person and $50,000 per accident.

No Fault Insurance
In Kansas, you are not required to carry no-fault insurance. Kansas is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.