Kansas Car Insurance
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.
What we verified for this page
- Strong25/50/25 minimum liability under K.S.A. § 40-3107 verified against the statute. Property damage minimum rose from $10,000 to $25,000 effective July 1, 2022.
- StrongCompulsory PIP under K.S.A. § 40-3103 verified against the statute. Kansas is a no-fault state. Consistent with the frozen YesWeSure medical-payments guide listing Kansas as a PIP state; no conflict.
- StrongUM/UIM compulsory at 25/50 under K.S.A. § 40-284 verified against the statute. UM/UIM is compulsory, not merely must-offer.
- StrongMonetary tort threshold ($2,000 medical) and verbal threshold under K.S.A. § 40-3117 verified against the statute.
- StrongKansas electronic verification under K.S.A. § 40-3104 verified against the statute and the Kansas Insurance Department consumer page.
- LimitedDeliberately omitted from V1. A Kansas modeled cost anchor; carrier-specific KS underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A Kansas-licensed reviewer is tracked as a pre-launch YMYL item.
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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, TIER 1)
- K.S.A. § 40-3103: definitions and PIP benefit schedule under the Kansas Automobile Injury Reparations Act. (Kansas Office of Revisor of Statutes, TIER 1)
- K.S.A. § 40-3104: compulsory insurance; penalties and license/registration suspension for operation without insurance. (Kansas Office of Revisor of Statutes, TIER 1)
- 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, TIER 1)
- K.S.A. § 40-284: Uninsured and Underinsured Motorist coverage compulsory at 25/50. (Kansas Office of Revisor of Statutes, TIER 1)
- Kansas Insurance Department: Automobile Insurance consumer page. (Kansas Insurance Department, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: What is medical payments coverage? (YesWeSure, INTERNAL)
- YesWeSure: Personal injury protection (PIP) (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Kansas Statutes Annotated, Kansas Insurance Department, Kansas Department of Revenue). 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 .