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Car Insurance in Kansas

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Kansas Minimum Car Insurance Requirements

In Kansas, car insurance is mandatory for all drivers. Kansas has provisions for liability coverage, personal injury protection (PIP) and uninsured or underinsured motorist coverage.

Liability insurance covers only the other car and/or that car’s driver and passengers when you are found at fault for the accident. Your liability insurance minimums for Kansas are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Personal Injury Protection is sometimes called No Fault insurance and it covers your medical expenses and other related costs. In Kansas your minimum PIP must include:

  • $4,500 per person for medical expenses
  • $900 per month for one year for disability/loss of income
  • $25 per day for in-home services
  • $2,000 for funeral, burial or cremation expenses
  • $4,500 for rehabilitation expenses
  • Survivor Benefits: Disability/loss of income up to $900 per month for one year In-home services up to $25 per day for one year

Uninsured or Underinsured motorist coverage protects you if you are in an accident with someone who isn’t carrying the required amount or insufficient insurance. Your uninsured or underinsured motorist policy in Kansas includes:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

While minimum car insurance requirements in Kansas are predefined, they are not meant to be a cap on how much coverage you can or should get. You may personally opt for more coverage to protect your financial assets and your vehicle and/or passengers.

If you’re interested in getting a car insurance quote in Kansas, contact your American Family Insurance agent to discuss what type of protection is best for your needs and what discounts may apply in your region.