What car insurance is required in Kansas? This question is about Types of Car Insurance

What car insurance is required in Kansas?

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This question is about Types of Car Insurance

Delaney Simchuk, Car Insurance Writer

@delaney_simchuk • 08/10/22 This answer was first published on 08/10/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Kansas requires drivers to carry bodily injury liability insurance and property damage liability insurance to pay for others’ medical expenses and repairs to others’ property resulting from an accident the driver was at fault for. Drivers in Kansas are also required to carry uninsured motorist coverage and personal injury protection (PIP) insurance.

UM replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits. PIP pays for medical expenses for you and your passengers after a car accident, regardless of fault.

Types of Car Insurance Required in Kansas

If your vehicle is financed, you may need to have additional types of car insurance that are not required by Kansas law. For instance, many lenders and lessors require consumers to carry collision insurance, comprehensive insurance, and gap insurance.

To learn more, check out WalletHub’s guide to minimum coverage requirements by state.

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How does car insurance work in Kansas?

Kansas is a no-fault state, which means that drivers get coverage for car accident injuries from their own insurer without the need to determine who caused the accident. Policies in no-fault states must include personal injury protection (PIP).

Drivers in Kansas are required to carry at least $25,000 in bodily injury liability insurance per person, up to $50,000 per accident, and $25,000 in property damage liability insurance. When an insured driver is responsible for an accident, liability insurance covers...

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Why is Kansas car insurance so expensive?

Car insurance in Kansas is expensive because it is a no-fault state and requires personal injury protection. In Kansas, you can expect to pay around $3,840 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in Kansas is less expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.

The cost of car insurance is steadily increasing, too, both in Kansas and nationwide....

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What is the penalty for driving without insurance in Kansas?

The penalties for driving without insurance in Kansas include fines, suspension of license and registration, and imprisonment. You can avoid these consequences by meeting Kansas’s proof of financial responsibility requirements. Kansas requires that all drivers have at least $25,000 in bodily injury liability coverage, up to $50,000 per accident, along with $25,000 in liability coverage for property damage, as well as personal injury protection.

Purchasing Kansas’s minimum liability car insurance coverage is the easiest...

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