Fair car insurance in Kansas
From Kansas City to Topeka, Wichita to Lawrence, Olathe to Hutchinson, and all the way to Dodge City—Kansans can get fair and affordable car insurance with Root. Simply download the app, complete the test drive, and then see what you’ll save on your Kansas car insurance quote. If you’re a good driver, you could save hundreds on auto insurance in KS.
State requirements for car insurance in Kansas
What are the minimum auto insurance requirements in Kansas?
Liability car insurance helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what MedPay is for) or your vehicle (but Collision and Comprehensive coverages do).
Minimum Liability coverage Kansas drivers must carry:
$25,000 for bodily injury (per person)
$50,000 for bodily injury (per accident)
$25,000 for property damage (per accident)
You can select higher limits if you’d like more coverage.
Personal Injury Protection (PIP)
No-fault car insurance—also called Personal Injury Protection (PIP)—covers your household family members and your medical costs after an accident, regardless of who is at fault for the accident. Claims against the at-fault driver can be filed after the PIP benefits are exhausted.
Minimum PIP coverage Kansas drivers must carry:
$4,500 for medical expenses (per person)
$900 for disability / loss of income (per month, for one year of coverage)
$25 for in-home services (per day, for one year of coverage)
$2,000 for funeral, burial, or cremation costs
$4,500 for rehabilitation costs
Uninsured / Underinsured Motorist coverage (UM / UIM)
UM / UIM is another required coverage. This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance.
Minimum UM / UIM coverage Kansas drivers must carry:
$25,000 (per person)
$50,000 (per accident)
What is the average cost of Kansas car insurance?
The average Kansan pays $1,454¹ per year for their auto insurance, but many people are paying much more. Root doesn’t insure high-risk drivers, so our customers are saving up to $900 a year on their car insurance.