Find My Rate
Field report · KS

Car insurance in Kansas

Kansas is a no-fault state with a minimum liability requirement of 25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/251
Fault systemNo-fault1
Uninsured motoristRequired1
RegulatorKansas Department of Revenue, Division of Vehicles

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage, plus mandatory PIP benefits (roughly $4,500/person medical, wage-loss, in-home services, funeral, and rehabilitation coverage) that pay regardless of fault.

UM/UIM bodily-injury coverage matching the 25/50 liability limits is required on every policy.

Estimated cost

$605 a year for minimum coverage, $2,477 for full coverage2

Average annual premiums in Kansas for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI, driving uninsured, or reckless driving, generally for 1-3 years.

Local conditions worth knowing

Kansas experiences the highest number of hail events of any US state, driving up comprehensive claim frequency and severity; urban centers like Wichita and the Kansas City metro run notably higher than rural areas.

Frequently asked

What is the minimum car insurance requirement in Kansas?
Kansas requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage, plus mandatory PIP benefits (roughly $4,500/person medical, wage-loss, in-home services, funeral, and rehabilitation coverage) that pay regardless of fault.
Is Kansas an at-fault or no-fault state?
Kansas is a no-fault state for car insurance claims.
Do I need an SR-22 in Kansas?
Typically required after a DUI, driving uninsured, or reckless driving, generally for 1-3 years.
Is uninsured motorist coverage required in Kansas?
UM/UIM bodily-injury coverage matching the 25/50 liability limits is required on every policy.

Sources

  1. MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
  2. Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

See what fits your situation in Kansas

Two minutes, no phone number required until the last step.

Start the match →