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Kansas car insurance laws require bodily injury liability coverage of $25,000 per person (up to $50,000 per accident), $25,000 of property damage liability coverage, and $4,500 of personal injury protection coverage.
The first two categories - bodily injury liability and property damage liability - cover injuries or damage that you accidentally cause with your car. Your car insurance pays up to a specified limit for each category. If you want additional coverage, you can choose higher limits than the ones required by Kansas law.
Kansas has no-fault insurance. Most states that require personal injury protection coverage are no-fault states. No-fault laws mean that, at least initially, each driver is responsible for their own medical bills – regardless of who caused the accident. That’s when personal injury protection can come in handy for an injured driver.
Since insurance is required by Kansas law, you can face multiple penalties if you’re caught driving without it, including fines, suspension of registration, and impounding your car. Another important Kansas car insurance law to note is the grace period for new residents: You have 90 days to register your car when you move to Kansas. You’ll need to bring proof of Kansas car insurance when you go to register, with at least the following coverage types and amounts.
Minimum Coverage Required by Kansas Car Insurance Laws
- Bodily injury liability: $25,000 per person / $50,000 per accident
- Property damage liability: $25,000
- Personal injury protection: $4,500
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