Key Takeaways
- Kansas requires minimum liability of 25/50/25
- Personal Injury Protection (PIP) is mandatory: $4,500 minimum
- Uninsured/Underinsured Motorist coverage required at 25/50
- Kansas operates a no-fault system for medical expenses
- Proof of insurance must be carried at all times
Last updated: January 2026
Kansas Auto Insurance Requirements
Minimum Liability: 25/50/25
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury - Per Person | $25,000 |
| Bodily Injury - Per Accident | $50,000 |
| Property Damage | $25,000 |
Mandatory PIP Coverage
Kansas is a no-fault state requiring:
Personal Injury Protection (PIP)
- Minimum: $4,500 per person
- Covers: Medical expenses regardless of fault
- Benefits: Medical, disability, services, funeral
Additional PIP Benefits
- Disability benefits
- Services (nursing, household)
- Funeral expenses up to $2,000
- Rehabilitation costs
Mandatory UM/UIM Coverage
| Coverage | Minimum Limit |
|---|---|
| Uninsured Motorist | $25,000 per person |
| UM Per Accident | $50,000 per accident |
Kansas No-Fault System
- Each driver's insurance pays their medical bills
- Up to PIP policy limits
- Regardless of who caused accident
- Lawsuits limited to serious injuries
Proof of Insurance
Required:
- Carry insurance card (paper or electronic)
- Show to law enforcement on request
- Electronic proof accepted
Penalties for No Insurance
| Violation | Penalty |
|---|---|
| First Offense | $300 fine minimum, license suspension |
| Subsequent | Higher fines, longer suspension, possible jail |
Exam Tip: Kansas is a no-fault state. PIP coverage is mandatory with a minimum of $4,500, and each driver's insurance pays their own medical bills regardless of fault.
Test Your Knowledge
What is the minimum PIP coverage required in Kansas?
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