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.

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.

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


Answer some easy questions and choose coverages.

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