Auto Insurance Minimum Requirements
Kansas requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. Kansas is a no-fault state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is required at a minimum of $45,000.
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.
Fine
Up to $1,000
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Kansas?
Kansas requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 25/50/25 coverage.
Is Kansas a no-fault state?
Yes, Kansas is a no-fault state. Drivers file injury claims with their own insurance regardless of who caused the accident. PIP coverage pays for medical expenses up to policy limits.
Is uninsured motorist coverage required in Kansas?
Yes. Kansas requires uninsured motorist (UM) coverage. Underinsured motorist (UIM) coverage is also required. UM and UIM coverage are strictly mandated by law to mirror the minimum 25/50 thresholds.
What happens if I drive without insurance in Kansas?
Driving without insurance in Kansas can result in fines of Up to $1,000 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Kansas?
SR-22 filings are used in Kansas for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for a total window of 1 to 3 years depending on the classification of the conviction.
What does 25/50/25 mean in Kansas?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Kansas Department of Revenue Division of Vehicles
More Kansas Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Kansas Department of Revenue Division of Vehicles publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.