Kansas Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance, Personal Injury Protection(PIP) and Uninsured/Underinsured Motorist (UM). The Minimum amount of liability coverage required by the state of Kansas is $25,000 for injury, $50,000 for all injury, and $10,000 in property damage. Commonly referred to as 25/50/10 coverage.

In addition to liability you are required to carry Personal Injury Protection, also known as PIP, with the following minimum coverage amounts:

  • $4,500 in rehabilitation coverage
  • $4,500 in personal injury
  • $2,000 for funeral / burial / crematory services
  • $900 per month for 1 year for disability/lost wages
  • $25 per day for 1 year in-home services

Kansas is considered a “No-Fault State”, meaning your insurance company must cover all medical expenses regardless of who is at fault in the event of an accident.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer.
  • A premium receipt or insurance binder issued by the motorist’s insurance agent.
  • The current declarations page of a liability insurance policy.
  • The actual liability insurance policy issued for the vehicle.
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent.
  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage.
DMV Point System

This state does not enlist a point system for monitoring or penalizing traffic violations. However, your driving record is still maintained and made available to employers and insurance companies. Habitual traffic violations may still increase your insurance rates.

Although Kansas does not utilize a typical point system, there are several reasons your license may be suspended. They are as follows:

  • Conviction of three moving violations within a 12-month period
  • Failing to appear for court date
  • Failure to respond to a traffic citation issued in Kansas or in another state
  • Failing to maintain continuous liability insurance on your vehicle
  • DUI
  • Refusal to chemical/breath test when stopped on suspicion of drug/alcohol use
  • Driving with open alcohol container
  • There are also traffic violations and other offenses that require Immediate revocation.

  • Reckless Driving
  • Leaving the scene of an accident resulting in injury or death
  • Committing a felony that commissioned a motor vehicle.
  • Eluding a police officer
  • Vehicle homicide
  • Vehicle battery


AutoCricket.com is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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