Car Insurance in Kansas
Kansas requires 25/50/25 in liability coverage plus PIP (no-fault) coverage with at least $4,500 for medical expenses, lost wages, and other benefits. As a no-fault state, your own PIP pays after a crash regardless of fault.
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Kansas at a glance
Data as of 2023Average cost
$973/yr
≈ $81/mo
vs U.S. average
-24%
below the national avg of $1,282/yr
Required minimums
25/50/25
+ $4.5K PIP
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Kansas requires 25/50/25 in liability coverage plus PIP (no-fault) coverage with at least $4,500 for medical expenses, lost wages, and other benefits. As a no-fault state, your own PIP pays after a crash regardless of fault.
Kansas also requires uninsured/underinsured motorist coverage at 25/50. Comparing quotes across insurers is the simplest way to meet all the requirements affordably.
Kansas minimum car insurance requirements
Kansas requires $25,000 of bodily injury liability per person, $50,000 per accident, $25,000 in property damage liability, $4,500 in PIP medical, and uninsured/underinsured motorist coverage at 25/50. PIP also includes lost-wage and other benefits.
Kansas is a no-fault state with PIP requirements covering medical, lost wages, and other benefits. Uninsured/underinsured motorist coverage at 25/50 is also required.
How much does car insurance cost in Kansas?
The average driver in Kansas pays $973 per year for auto insurance — that's 24% below the U.S. national average of $1,282/yr. Lower-than-average rates often reflect lower traffic density, fewer claims per insured vehicle, or less stringent coverage requirements.
Kansas vs the national average
24% below the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Kansas premiums have changed since 2019
Auto insurance costs in Kansas have risen 19% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Kansas vs national average
Kansas is up 19% from $818 in 2019 to $973 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Kansas policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Kansas
Driving uninsured in Kansas can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Kansas
Rates for the same driver can vary widely between insurers in Kansas, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 29, 2026. Always confirm current minimums with your state’s Department of Insurance.
Kansas car insurance FAQs
Common questions about auto insurance in Kansas
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