State guide

Kansas Car Insurance

By YesWeSure EditorialReviewed October 1, 2026Editorial standardsReport an errorSources

Kansas is a no-fault state under the Kansas Automobile Injury Reparations Act. Every Kansas policy must carry 25/50/25 liability under K.S.A. § 40-3107¹, compulsory PIP under K.S.A. § 40-3103², and 25/50 UM/UIM under K.S.A. § 40-284⁵. A monetary tort threshold ($2,000 medical) or verbal threshold limits non-economic damages under K.S.A. § 40-3117⁴.

YesWeSure Bottom Line

No-fault with four compulsory coverages. Liability (25/50/25), PIP (statutory benefits), UM (25/50), UIM (25/50). All four are required on every Kansas personal auto policy¹²⁵.

Monetary tort threshold. You can sue for non-economic damages only if your medical expenses exceed $2,000 or you meet the verbal threshold (serious injury categories)⁴.

How to make a real decision. Treat 25/50/25 and the compulsory PIP benefit schedule as the floor. For how to think about higher limits, see how to choose coverage limits.

State requirements at a glance

What Kansas car insurance law requires

Minimum liability limits

25 / 50 / 25¹

$25,000 bodily injury per person, $50,000 per accident, $25,000 property damage per accident, under K.S.A. § 40-3107. Property damage minimum rose from $10,000 to $25,000 effective July 1, 2022 (HB 2409).

Personal Injury Protection (PIP)

Required (no-fault)²

Every Kansas policy must include PIP: $4,500 medical; $900/month disability for up to one year; $25/day essential services; $4,500 rehabilitation; $900/month survivors benefits (up to one year); $2,000 funeral benefits, under K.S.A. § 40-3103.

Uninsured / Underinsured Motorist

25 / 50 BI required⁵

K.S.A. § 40-284 requires Uninsured and Underinsured Motorist bodily-injury coverage at 25/50 on every Kansas personal auto policy. UM/UIM is compulsory, not merely must-offer.

Monetary tort threshold

$2,000 medical or verbal threshold⁴

K.S.A. § 40-3117 limits recovery of non-economic damages to cases meeting a $2,000 medical-expense threshold or a verbal threshold (permanent disfigurement, fracture of a weight-bearing bone, compound/comminuted/displaced/compressed fracture, loss of a body member, permanent injury, permanent loss of a bodily function, or death).

Coverage verification

Kansas electronic verification³

The Kansas Department of Revenue Division of Vehicles administers electronic insurance verification. Confirmed lapse under K.S.A. § 40-3104 can trigger registration and license suspension.

Rate approval regime

KSID oversight⁶

Kansas does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.

25/50/25 compulsory liability

K.S.A. § 40-3107 compels every registered Kansas vehicle to carry 25/50/25 liability¹. The property-damage minimum was raised from $10,000 to $25,000 effective July 1, 2022 under HB 2409. Many Kansas drivers carry higher limits.

Compulsory PIP under K.S.A. § 40-3103

Every Kansas policy must include PIP ($4,500 medical, $900/month disability up to one year, $25/day essential services, $4,500 rehabilitation, $900/month survivors benefits up to one year, $2,000 funeral benefits) regardless of fault². Kansas is a no-fault state. For how PIP compares to MedPay in states that offer both, see our PIP coverage guide.

25/50 UM and UIM required

K.S.A. § 40-284 requires UM and UIM bodily-injury coverage at 25/50 on every Kansas personal auto policy⁵. UM/UIM is compulsory, not merely must-offer.

Verification and lapse enforcement

The Kansas Department of Revenue Division of Vehicles administers electronic insurance verification⁶. A confirmed lapse under K.S.A. § 40-3104 can trigger registration and license suspension³. For a general lapse treatment, see our after-a-lapse guide.

Rating-factor landscape

Kansas does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age⁶.

Where the Kansas situation rules live on YesWeSure

This State Guide owns the Kansas pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:

After an accident. See our after-an-accident guide.
After a DUI. Kansas SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
After a lapse. KDOR consequences of a lapse are treated in our after-a-lapse guide.
Moving into Kansas. New-resident registration is treated in our moving-to-another-state guide.

Ready to compare Kansas quotes at or above the compulsory limits?

Compare Kansas car insurance quotes

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Common questions

What is the minimum car insurance required in Kansas?

25/50/25 liability + compulsory PIP + 25/50 UM/UIM, under K.S.A. §§ 40-3107, 40-3103, and 40-284¹²⁵.

Is Kansas a no-fault state?

Yes. Kansas is a no-fault state under the Kansas Automobile Injury Reparations Act (K.S.A. chapter 40, article 31)².

Is UM/UIM required in Kansas?

Yes. UM and UIM are compulsory at 25/50 on every Kansas personal auto policy under K.S.A. § 40-284⁵.

Sources & methodology

K.S.A. § 40-3107: Kansas Automobile Injury Reparations Act; 25/50/25 compulsory liability (property damage raised from $10,000 to $25,000 effective July 1, 2022 under HB 2409). (Kansas Office of Revisor of Statutes)
K.S.A. § 40-3103: definitions and PIP benefit schedule under the Kansas Automobile Injury Reparations Act. (Kansas Office of Revisor of Statutes)
K.S.A. § 40-3104: compulsory insurance; penalties and license/registration suspension for operation without insurance. (Kansas Office of Revisor of Statutes)
K.S.A. § 40-3117: monetary and verbal tort threshold for non-economic damages under the Kansas Automobile Injury Reparations Act. (Kansas Office of Revisor of Statutes)
K.S.A. § 40-284: Uninsured and Underinsured Motorist coverage compulsory at 25/50. (Kansas Office of Revisor of Statutes)
Kansas Insurance Department: Automobile Insurance consumer page. (Kansas Insurance Department)
YesWeSure: Car insurance after an accident (YesWeSure)
YesWeSure: Car insurance after a DUI (YesWeSure)
YesWeSure: Car insurance after a lapse in coverage (YesWeSure)
YesWeSure: Car insurance when moving to another state (YesWeSure)
YesWeSure: What is medical payments coverage? (YesWeSure)
YesWeSure: Personal injury protection (PIP) (YesWeSure)
YesWeSure: How to choose coverage limits (YesWeSure)
YesWeSure: How insurers calculate rates (YesWeSure)

Every claim on this page traces to a source listed above. Every legal number traces to a Kansas primary source: K.S.A. §§ 40-284, 40-3103, 40-3104, 40-3107, 40-3117. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed October 1, 2026.