Kansas car insurance: minimums, prices and your estimate
Kansas requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
Kansas is a no-fault state: every policy must include personal injury protection, with at least $4,500 per person for medical costs. You can sue for pain and suffering only if your medical treatment costs $2,000 or more or you have certain serious injuries.
- Legal minimum
- 25/50/25 + $5k PIP
- Fault system
- No-fault
- Personal injury protection
- Required, $4,500 minimum
- Uninsured motorist
- Required
- Underinsured motorist
- Required
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (1 year after conviction)
What drivers in Kansas can expect to pay
Monthly ranges from our model, anchored to Kansas's position in 7 published price studies from 2025 and 2026 ($2,812 a year for full coverage and $723 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $202-$268 | $2,812 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $52-$68 | $723 |
| Young driver, full coverage20, own policy, clean record | $375-$563 | $5,624 |
| Senior, full coverage70, clean record | $193-$257 | $2,700 |
| After one at-fault accident35, full coverage | $303-$401 | $4,218 |
| After a DUI35, full coverage | $353-$528 | $5,287 |
| Poor credit35, clean record, full coverage | $359-$517 | $5,258 |
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Rules worth knowing in Kansas
- Required personal injury protection also covers lost income up to $900 a month for up to one year, in-home services up to $25 a day for up to 365 days, rehabilitation up to $4,500 and funeral costs up to $2,000.
- Uninsured motorist coverage, which includes underinsured protection, is mandatory and matches your bodily injury liability limits. You can reject only the part above 25/50, and only in writing.
- Insurers may use credit, but not a score that uses income, address, ZIP code, race, religion, sex, disability, national origin or marital status. Credit alone cannot be the reason your policy is denied, canceled or not renewed.
- Gender and age can affect your rate: the Kansas Insurance Department lists both among rating factors.
- You cannot register a vehicle without a liability policy or self-insurance, and coverage must stay in force continuously.
- Kansas requires an SR-22 on file with the Division of Vehicles for one year after a conviction for certain violations, and drivers suspended for not keeping insurance must file one too.
Questions about Kansas car insurance
What is the minimum car insurance in Kansas?
Kansas requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in Kansas per month?
For a 35-year-old with a clean record, our model puts full coverage at about $202 to $268 a month and state-minimum coverage at about $52 to $68. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Kansas a no-fault state?
No-fault state: your own personal injury protection (PIP) pays your medical bills first, whoever caused the crash, and lawsuits are limited to more serious injuries.
Can insurers in Kansas use my credit score?
Yes. Many insurers in Kansas use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Kansas?
Only if a court or the state requires one, usually after a serious violation or a lapse. Kansas requires an SR-22 on file with the Division of Vehicles for one year after a conviction for certain violations, and drivers suspended for not keeping insurance must file one too.