Does Kansas have minimum auto insurance requirements?

Yes. If you live in Kansas, you must legally carry liability coverage limits of at least:

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

Consider increasing your auto liability limits to better safeguard your assets. Learn more about auto liability coverage.

Kansas mandates uninsured/underinsured bodily injury coverage (UM/UIM BI) with the following minimum limits:

  • $25,000 in uninsured/underinsured motorist bodily injury liability
  • $50,000 in total uninsured/underinsured motorist bodily injury per accident

Additionally, Kansas required all drives to carry personal injury protection (PIP) coverage with the following minimum limit:

  • $4,500 per person

Comprehensive and collision coverages are designed to protect your vehicle

If you're leasing or financing your vehicle or, your lender typically requires comprehensive and collision coverage. Even if your ride is paid in full, physical damage coverages can be worth carrying in order to protect your vehicle against theft, vandalism, and collisions.

How much is car insurance in Kansas?

In 2020, the average cost of Progressive liability-only auto insurance policy in Kansas was $129.* Rates vary based on several factors, including the coverages and limits you choose, as well as your driving history and zip code.

Does Progressive have discounts that can lower the price of car insurance?

We offer a range of discounts, including:

  • Continuous insurance
  • Three-year safe driving
  • Multi-car
  • Online quote
  • Paperless
  • Electronic Funds Transfer (EFT)
  • Homeowner
  • Paid in full

See all auto insurance discounts.

Interesting facts about driving in Kansas

  1. Teen drivers get a head start. Kansas is one of only six states that allows teenagers to obtain their learner's permits after their 14th birthday. Learn how to properly insure your teen driver.

  2. Drivers in Kansas can be cited for a child riding unrestrained in a vehicle. The Kansas Highway patrol provides safety seat check-ups and installations by appointment.

  3. Kansas takes "classic cars" seriously. To qualify for a Kansas antique license plate, your vehicle must be at least 35 years old. Read about classic car insurance.

How to get car insurance in Kansas


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