Kansas auto insurance

Whether you're driving along the beautiful roadways of Wichita or Overland Park, you can trust Progressive in the event of a driving mishap. Learn more about car insurance in Kansas, including state insurance requirements, available coverages, and ways to save on car insurance with Progressive.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Kansas' minimum auto insurance requirements?

Drivers in Minnesota are required to have auto liability coverage (BI liability and PD liability), personal injury protection (PIP), and uninsured/underinsured (UM/UIM) bodily injury property damage coverage at the following minimum car insurance limits:

Coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$25,000 per accident
UM/UIM bodily injury	What it coversYour medical expenses an uninsured or underinsured driver causes	Minimum amount$25,000 per person $50,000 per accident
Personal Injury Protection (PIP)	What it coversYour medical costs due to an accident, plus lost wages and death benefits, regardless of who's at fault	Minimum amount$4,500 per person

While these are Kansas' minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Kansas a no-fault state?

Yes. Kansas has been a no-fault state since 1974, according to the Insurance Information Institute. As a no-fault state, Kansas requires drivers to carry PIP coverage so that their own insurance covers some or all of their medical expenses after a car accident, regardless of who's at fault. No-fault car insurance also restricts the right to sue only to lawsuits that involve severe injuries.

How much is car insurance in Kansas?

The average cost of a six-month liability-only policy in a low-cost state like Kansas is $79.83 per month.^* Rates vary based on several factors, including the coverages and limits you choose, as well as your driving history and ZIP code. Learn more about what determines the cost of car insurance.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.^† Get an auto insurance quote today.

What is the best car insurance in Kansas?

If you're looking for the cheapest car insurance in Kansas, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:

Allstate customers who switch and save with Progressive save $775 on average^††
GEICO customers who switch and save with Progressive save $740 on average^§
State Farm customers who switch and save with Progressive save $565 on average^‡

How do I lower my car insurance cost in Kansas?

To lower your car insurance cost in Kansas, you may qualify for the following discounts through Progressive:

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

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Kansas is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.^†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Kansas' state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.

Kansas driving resources

From Kansas City to Olathe, get to know Kansas' driving laws and resources. These resources apply to Topeka, Lenexa, and everywhere in between. Local municipalities may have additional laws and resources.

Kansas DOV: Find out how to get or renew your Kansas license and registration, obtain a REAL ID, register for the driver's test and many other driver resources.
Kansas Traffic Safety Resource Office: Review Kansas's traffic safety training and education programs.
Kansas driving FAQs: Get answers to your questions about getting a driver's license for the first time, renewing, or replacing a license, getting a REAL ID, and other Kansas driving-related issues.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.