Kansas car insurance laws

Kansas requires that drivers carry at least 25/50/25.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Kansas drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Kansas car insurance requirements

Kansas requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Kansas liability minimums are 25/50/25.

Personal injury protection (PIP). Personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. pays medical costs, such as doctor visits, childcare expenses, and lost wages, for you or your passengers injured in an accident. PIP may be required for drivers who live in at-fault states.

Kansas PIP requirements are $4,500.

The average cost of a minimum coverage policy is $434. However, Geico has the lowest minimum car insurance rates, averaging $263.

The table below shows the top insurers' average rates for minimum coverage in Kansas.

CompanyAverage annual premiumAverage monthly premium
Geico$263$22
State Farm$335$28
Iowa Farm Bureau$371$31
Travelers$398$33
Nationwide$416$35
Progressive$458$38
Shelter Insurance$562$47
Farmers$576$48
Allstate$767$64
USAA$226$19
Read our methodology

Kansas car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $434. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Kansas.

The cheapest company for minimum coverage in Kansas is Geico at an average rate of $263 annually.

State minimum coverage limit25/50/25
Average annual premium$434
Average monthly premium$36
Read our methodology

Are the Kansas minimum coverage requirements changing in 2025?

Kansas car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Kansas?

Kansas requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Kansas drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

Kansas is a no-fault state, meaning your insurer pays for your injuries and damages regardless of who caused the accident. The law requires you to carry personal injury protection (PIP) to pay medical costs, such as doctor visits and prescriptions.

PEOPLE ASK:

Is Kansas minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/25, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Kansas?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Kansas penalties for driving without car insurance

Since Kansas requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Kansas car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines$300-$1,000
Other penaltiesLicense suspension
Jail timePossible
Read our methodology

Kansas minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Geico has the best rates for teens with minimum coverage averaging $950. Geico offers the cheapest coverage for adults at $270.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $447, and the average rate for a 40-year-old male is $422, a difference of $25.

Male
AgeCompanyMale annual premiumMale monthly premium
16Geico$1,295$108
16Iowa Farm Bureau$1,350$113
16State Farm$1,510$126
16Travelers$1,635$136
16Nationwide$1,912$159
16Progressive$2,524$210
16Shelter Insurance$2,552$213
16Farmers$3,430$286
16USAA$1,333$111
17Iowa Farm Bureau$1,139$95
17Travelers$1,221$102
17Geico$1,230$103
17State Farm$1,306$109
17Shelter Insurance$1,712$143
17Nationwide$1,831$153
17Farmers$2,640$220
17Progressive$2,654$221
17Allstate$3,548$296
17USAA$925$77
18Travelers$984$82
18Iowa Farm Bureau$1,029$86
18Geico$1,061$88
18State Farm$1,115$93
18Nationwide$1,506$126
18Shelter Insurance$1,588$132
18Farmers$2,222$185
18Progressive$2,249$187
18Allstate$2,609$217
18USAA$753$63
19Geico$745$62
19Travelers$796$66
19Iowa Farm Bureau$899$75
19State Farm$952$79
19Progressive$1,204$100
19Nationwide$1,289$107
19Shelter Insurance$1,464$122
19Farmers$1,479$123
19Allstate$1,583$132
19USAA$626$52
20Geico$579$48
20Travelers$686$57
20State Farm$816$68
20Iowa Farm Bureau$892$74
20Progressive$1,030$86
20Nationwide$1,119$93
20Farmers$1,304$109
20Shelter Insurance$1,345$112
20Allstate$1,385$115
20USAA$539$45
21Geico$529$44
21Travelers$589$49
21Iowa Farm Bureau$651$54
21State Farm$686$57
21Farmers$732$61
21Nationwide$749$62
21Progressive$780$65
21Allstate$1,081$90
21Shelter Insurance$1,101$92
21USAA$344$29
22Geico$489$41
22Travelers$542$45
22State Farm$609$51
22Iowa Farm Bureau$619$52
22Nationwide$654$55
22Progressive$680$57
22Farmers$692$58
22Shelter Insurance$977$81
22Allstate$978$82
22USAA$321$27
23Geico$431$36
23Travelers$502$42
23State Farm$528$44
23Nationwide$604$50
23Iowa Farm Bureau$605$50
23Progressive$616$51
23Farmers$631$53
23Shelter Insurance$920$77
23Allstate$929$77
23USAA$304$25
24Geico$403$34
24State Farm$460$38
24Travelers$478$40
24Progressive$562$47
24Nationwide$565$47
24Iowa Farm Bureau$585$49
24Farmers$609$51
24Allstate$834$70
24Shelter Insurance$864$72
24USAA$289$24
25Geico$316$26
25State Farm$405$34
25Iowa Farm Bureau$433$36
25Travelers$434$36
25Nationwide$497$41
25Progressive$498$42
25Farmers$619$52
25Allstate$733$61
25Shelter Insurance$767$64
25USAA$280$23
30Geico$289$24
30State Farm$332$28
30Iowa Farm Bureau$347$29
30Travelers$426$36
30Nationwide$430$36
30Progressive$453$38
30Farmers$570$48
30Shelter Insurance$682$57
30Allstate$741$62
30USAA$232$19
35Geico$283$24
35State Farm$329$27
35Iowa Farm Bureau$354$30
35Nationwide$404$34
35Travelers$425$35
35Progressive$430$36
35Farmers$543$45
35Shelter Insurance$562$47
35Allstate$741$62
35USAA$225$19
40Geico$283$24
40State Farm$335$28
40Iowa Farm Bureau$361$30
40Nationwide$395$33
40Travelers$401$33
40Progressive$419$35
40Farmers$530$44
40Shelter Insurance$562$47
40Allstate$739$62
40USAA$220$18
45Geico$285$24
45State Farm$337$28
45Iowa Farm Bureau$361$30
45Nationwide$389$32
45Travelers$401$33
45Progressive$412$34
45Farmers$514$43
45Shelter Insurance$562$47
45Allstate$739$62
45USAA$214$18
50Geico$277$23
50Iowa Farm Bureau$291$24
50State Farm$332$28
50Nationwide$382$32
50Progressive$393$33
50Travelers$400$33
50Shelter Insurance$422$35
50Farmers$498$42
50Allstate$762$64
50USAA$210$18
55Geico$277$23
55Iowa Farm Bureau$294$25
55State Farm$324$27
55Nationwide$375$31
55Progressive$378$32
55Travelers$385$32
55Shelter Insurance$422$35
55Farmers$476$40
55Allstate$756$63
55USAA$208$17
60Geico$285$24
60Iowa Farm Bureau$298$25
60State Farm$316$26
60Nationwide$371$31
60Progressive$380$32
60Travelers$389$32
60Shelter Insurance$422$35
60Farmers$486$41
60Allstate$779$65
60USAA$210$18
65Iowa Farm Bureau$301$25
65State Farm$316$26
65Geico$318$27
65Nationwide$380$32
65Progressive$398$33
65Travelers$416$35
65Shelter Insurance$422$35
65Farmers$589$49
65Allstate$813$68
65USAA$223$19
70Geico$309$26
70State Farm$335$28
70Iowa Farm Bureau$341$28
70Nationwide$407$34
70Travelers$437$36
70Shelter Insurance$457$38
70Progressive$465$39
70Farmers$651$54
70Allstate$816$68
70USAA$243$20
75State Farm$373$31
75Geico$401$33
75Iowa Farm Bureau$401$33
75Nationwide$461$38
75Shelter Insurance$477$40
75Travelers$477$40
75Progressive$605$50
75Farmers$728$61
75Allstate$924$77
75USAA$277$23
Read our methodology
AgeCompanyFemale annual premiumFemale monthly premium
16Geico$941$78
16Iowa Farm Bureau$1,369$114
16State Farm$1,186$99
16Travelers$1,288$107
16Nationwide$1,788$149
16Progressive$2,352$196
16Shelter Insurance$1,961$163
16Farmers$3,179$265
16USAA$1,336$111
17Iowa Farm Bureau$1,176$98
17Travelers$994$83
17Geico$893$74
17State Farm$1,023$85
17Shelter Insurance$1,317$110
17Nationwide$1,715$143
17Farmers$2,468$206
17Progressive$2,471$206
17Allstate$3,178$265
17USAA$933$78
18Travelers$822$69
18Iowa Farm Bureau$1,069$89
18Geico$833$69
18State Farm$884$74
18Nationwide$1,410$118
18Shelter Insurance$1,226$102
18Farmers$2,099$175
18Progressive$2,097$175
18Allstate$2,255$188
18USAA$765$64
19Geico$605$50
19Travelers$686$57
19Iowa Farm Bureau$942$79
19State Farm$764$64
19Progressive$1,112$93
19Nationwide$1,194$100
19Shelter Insurance$1,135$95
19Farmers$1,416$118
19Allstate$1,543$129
19USAA$633$53
20Geico$569$47
20Travelers$608$51
20State Farm$669$56
20Iowa Farm Bureau$910$76
20Progressive$950$79
20Nationwide$1,063$89
20Farmers$1,241$103
20Shelter Insurance$1,045$87
20Allstate$1,219$102
20USAA$551$46
21Geico$462$39
21Travelers$535$45
21Iowa Farm Bureau$626$52
21State Farm$574$48
21Farmers$675$56
21Nationwide$719$60
21Progressive$765$64
21Allstate$1,012$84
21Shelter Insurance$954$80
21USAA$352$29
22Geico$447$37
22Travelers$501$42
22State Farm$522$44
22Iowa Farm Bureau$591$49
22Nationwide$633$53
22Progressive$701$58
22Farmers$635$53
22Shelter Insurance$864$72
22Allstate$982$82
22USAA$329$27
23Geico$370$31
23Travelers$480$40
23State Farm$457$38
23Nationwide$589$49
23Iowa Farm Bureau$575$48
23Progressive$652$54
23Farmers$593$49
23Shelter Insurance$824$69
23Allstate$910$76
23USAA$315$26
24Geico$346$29
24State Farm$414$35
24Travelers$471$39
24Progressive$609$51
24Nationwide$552$46
24Iowa Farm Bureau$548$46
24Farmers$584$49
24Allstate$830$69
24Shelter Insurance$790$66
24USAA$301$25
25Geico$309$26
25State Farm$373$31
25Iowa Farm Bureau$379$32
25Travelers$427$36
25Nationwide$491$41
25Progressive$544$45
25Farmers$599$50
25Allstate$780$65
25Shelter Insurance$751$63
25USAA$290$24
30Geico$252$21
30State Farm$332$28
30Iowa Farm Bureau$371$31
30Travelers$419$35
30Nationwide$453$38
30Progressive$531$44
30Farmers$587$49
30Shelter Insurance$682$57
30Allstate$797$66
30USAA$244$20
35Geico$245$20
35State Farm$329$27
35Iowa Farm Bureau$378$32
35Nationwide$451$38
35Travelers$419$35
35Progressive$531$44
35Farmers$591$49
35Shelter Insurance$562$47
35Allstate$795$66
35USAA$236$20
40Geico$243$20
40State Farm$335$28
40Iowa Farm Bureau$381$32
40Nationwide$438$37
40Travelers$396$33
40Progressive$498$42
40Farmers$621$52
40Shelter Insurance$562$47
40Allstate$795$66
40USAA$233$19
45Geico$240$20
45State Farm$337$28
45Iowa Farm Bureau$384$32
45Nationwide$425$35
45Travelers$395$33
45Progressive$490$41
45Farmers$586$49
45Shelter Insurance$562$47
45Allstate$795$66
45USAA$227$19
50Geico$241$20
50Iowa Farm Bureau$321$27
50State Farm$332$28
50Nationwide$410$34
50Progressive$445$37
50Travelers$393$33
50Shelter Insurance$422$35
50Farmers$540$45
50Allstate$760$63
50USAA$222$19
55Geico$244$20
55Iowa Farm Bureau$324$27
55State Farm$324$27
55Nationwide$389$32
55Progressive$411$34
55Travelers$377$31
55Shelter Insurance$422$35
55Farmers$501$42
55Allstate$755$63
55USAA$220$18
60Geico$255$21
60Iowa Farm Bureau$328$27
60State Farm$316$26
60Nationwide$375$31
60Progressive$413$34
60Travelers$379$32
60Shelter Insurance$422$35
60Farmers$480$40
60Allstate$775$65
60USAA$223$19
65Iowa Farm Bureau$331$28
65State Farm$316$26
65Geico$287$24
65Nationwide$373$31
65Progressive$425$35
65Travelers$404$34
65Shelter Insurance$422$35
65Farmers$561$47
65Allstate$811$68
65USAA$234$20
70Geico$274$23
70State Farm$335$28
70Iowa Farm Bureau$351$29
70Nationwide$389$32
70Travelers$421$35
70Shelter Insurance$457$38
70Progressive$458$38
70Farmers$600$50
70Allstate$811$68
70USAA$256$21
75State Farm$373$31
75Geico$347$29
75Iowa Farm Bureau$405$34
75Nationwide$425$35
75Shelter Insurance$477$40
75Travelers$450$38
75Progressive$520$43
75Farmers$653$54
75Allstate$917$76
75USAA$289$24
Read our methodology

Kansas minimum coverage cost by city

Salina drivers pay the least for minimum coverage in Kansas at $417. However, Wichita pay the most at $568.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Kansas.

CityAverage annual premiumAverage monthly premium
Salina$417$35
Manhattan$419$35
Lawrence$476$40
Topeka$478$40
Lenexa$519$43
Olathe$521$43
Kansas City$528$44
Shawnee$533$44
Overland Park$542$45
Wichita$568$47
Read our methodology

Optional car insurance coverage in Kansas

Kansas requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

  • Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
  • Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
  • Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
  • Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
  • Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Kansas car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Kansas?

Yes, Kansas requires that you carry at least the minimum mandatory coverage. Necessary coverage includes UMBI and PIP $4,500.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Kansas?

If you're caught driving without car insurance in Kansas, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.

Compare state minimum requirements with other states

Alabama
$433/year
Alaska
$398/year
Arizona
$516/year
Arkansas
$397/year
California
$551/year
Colorado
$437/year
Connecticut
$704/year
Delaware
$788/year
Florida
$993/year
Georgia
$577/year
Hawaii
$396/year
Idaho
$357/year
Illinois
$421/year
Indiana
$417/year
Iowa
$260/year
Kentucky
$606/year
Louisiana
$722/year
Maine
$335/year
Maryland
$727/year
Massachusetts
$511/year
Michigan
$654/year
Minnesota
$475/year
Mississippi
$463/year
Missouri
$488/year
Montana
$350/year
Nebraska
$331/year
Nevada
$720/year
New Hampshire
$397/year
New Jersey
$853/year
New Mexico
$421/year
New York
$731/year
North Carolina
$476/year
North Dakota
$349/year
Ohio
$362/year
Oklahoma
$408/year
Oregon
$641/year
Pennsylvania
$375/year
Rhode Island
$646/year
South Carolina
$720/year
South Dakota
$307/year
Tennessee
$442/year
Texas
$572/year
Washington, D.C.
$558/year
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