Kansas

Auto Insurance Minimum Requirements

25/50/25

Liability Limits

Yes

No-Fault

$45,000

PIP Minimum

UM+UIM

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$25,000

Uninsured Motorist RequiredYes

Underinsured Motorist RequiredYes

PIP RequiredYes — $45,000 minimum

No-Fault StateYes

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date1984-01-01

Important Notes

Kansas PIP limit consists of a specialized structured allocation: $4,500 medical, $4,500 rehabilitation, up to $10,800 loss of income, $2,000 essential services, and $2,000 funeral allocation.

Uninsured / Underinsured Motorist

UM and UIM coverage are strictly mandated by law to mirror the minimum 25/50 thresholds.

SR-22 Filings

Required for a total window of 1 to 3 years depending on the classification of the conviction.

Alternatives to Insurance

Self-insurance certificates are issued exclusively to corporate operators holding expansive fleets.

Official Source

Kansas Department of Revenue Division of Vehicles

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.