Kansas auto insurance

From the Sunflower State's country roads to its beautiful byways, Progressive can cover Kansas drivers 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.

3 min to read

Does Kansas have minimum auto insurance requirements?

Kansas auto insurance laws require drivers to 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 a minimum limit of $4,500 per person

Comprehensive and collision coverages are designed to protect your vehicle

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

Pro tip:

Progressive's Name Your Price® Tool gives you the power. Tell us how much you're able to pay each month, and we'll show you coverage options in that range. Learn more about our Name Your Price Tool.

How much is car insurance in Kansas?

In 2020-2021, the average cost of a Progressive liability-only auto insurance policy (single driver/single car) in Kansas was $77.* Rates vary based on several factors, including the coverages and limits you choose, as well as your driving history and ZIP code.

See more about what determines car insurance price.

Does Progressive offer car insurance discounts?

Yes. Progressive offers a range of discounts to find cheaper car insurance in Kansas, including:

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

Want to save even more money? Bundle your auto and homeowners insurance in Kansas. Progressive makes it easy to bundle two or more policies, including any combination of car, home, and renters insurance in Kansas.

See all auto insurance discounts.

Pro tip:

Switch and save. Nationwide, customers who switch and save with Progressive end up saving nearly $750 on average.** Get your car insurance quote today.

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

Online

Answer some easy questions and choose coverages.

Quote auto insurance

Call us

A licensed representative will answer any questions you have.

Call 1-866-749-7436

Ask an agent

Need local advice? We'll connect you with a licensed independent agent near you.

Find an agent in Kansas

Quote car insurance online or give us a call

Learn more about car insurance policies.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

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*Average rate for a six-month liability-only Progressive auto policy with one vehicle and one driver from November 2020 through October 2021. Individual rates may be higher or lower depending on a variety of factors including, but not limited to, vehicle, age, driving record, and location.

**National average 12 month savings (auto = $744, bundle = $779) by new customers surveyed who saved with Progressive between June 2022 and May 2023. Potential savings will vary.

Limited to one car, one driver 6-mo. liability only policies.