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Kansas Auto Insurance
If you aren’t sure about the auto insurance requirements and rates in Kansas, you may want to take a look at them. That’s especially true if you’re looking for solid but cheap auto insurance in Kansas. You’ll want to be informed when you buy insurance, and you also need to know the Kansas driving laws so you can make sure to follow them and keep your insurance rates low.
Car Insurance Requirements in Kansas
Kansas minimum auto insurance requirements include liability coverage, uninsured/underinsured motorists coverage, and PIP. Liability limits are:
- $25,000 worth of bodily injury or death coverage per person
- $50,000 worth of bodily injury or death coverage per accident
- $25,000 worth of property damage coverage
The uninsured/underinsured motorists coverage must match your liability insurance amounts, and the PIP coverage is very specific. Kansas car insurance laws require you to have 4,500 per person for medical costs, along with $900 per month for a year for disability income loss. You’ll also need it to cover $25 per day for in-home services, $2,000 for funeral, cremation, or burial expenses, and $4,500 for rehabilitation. While most states aren’t that specific, driving in Kansas has some subtleties you’ll want to pay attention to.
Is Kansas a No-Fault State?
Kansas is a no-fault state, so both drivers in an accident will use their own PIP and liability insurance to get their medical and other bills paid.
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.
Car Insurance Prices in Kansas
The car insurance prices in Kansas are a little bit lower than the national average, with liability only running around $654 and full coverage near $1,679. The average Kansas insurance amount for a year is $1,167. If you’re between the ages of 35 and 75 you will have the lowest overall rates, with teen drivers and elderly drivers paying higher premiums.
| Age | Most Popular Vehicle | Gender | Most Common City | ||
|---|---|---|---|---|---|
| 18 – 24 | Chevrolet | Male – 57% | Female – 43% | Wichita | ||
| 25 – 54 | Chevrolet | Male – 47% | Female – 53% | Wichita | ||
| 55 – 64 | Ford | Male – 41% | Female – 59% | Wichita | ||
| 65 + | Ford | Male – 40% | Female – 60% | Wichita | ||
* This information is based on Pretected.com users.
Auto Insurance for Good Drivers
Good drivers are those who drive safely. They generally don’t have tickets or accidents, and their insurance company will reward them for that. There are a lot of discounts for safe drivers, and it’s important to recognize that they are lower risk for any insurance company.
Auto Insurance for Bad Drivers
People with blemishes on their driving record are going to pay higher insurance rates. They may have tickets or accidents, or even a DUI. But if they shop around they can generally find some insurance companies that aren’t as expensive even though their driving record isn’t perfect.
Traffic Violations and Fines in Kansas
Speeding Ticket Cost in Kansas
Speeding ticket fines are going to vary because they’re handled by Kansas counties. Still, most speeding tickets means hundreds of dollars in fines. Kansas can also put points on a driver’s license, as well. Convictions for reckless driving will mean more money and more points, as the state takes this very seriously.
Driving While High Laws in Kansas
DUI laws in Kansas include driving under the influence of marijuana. Even for drivers who can legally have the drug in their home, it’s still illegal to drive while high.
Driving Without Car Insurance in Kansas
Drivers must have car insurance in Kansas. If they don’t, they could face fines and license suspensions. They could even have their car impounded or face jail time. Keeping insurance on a car at all times is very important when it comes to following Kansas driving laws.
Texting and Driving in Kansas
Distracted driving is about more than just texting behind the wheel. Other cell phone use while driving, eating while driving, and getting distracted by passengers or pets in the vehicle can all become problems. These aren’t all illegal, but they are all distracting and can lead to an accident.
According to Kansas law, pedestrians have to wear tail lights when they are crossing a road at night.
Kansas Car Accidents
There were more than 58,000 car accidents in Kansas in 2025, and problems on the roadways in this state have been steadily rising. With more than 132,000 people injured and one death occurring nearly every day, Kansas is seeing serious problems on their roads according to car accident statistics.
Reasons for Car Accidents in Kansas
The major reasons for car accidents in Kansas were vehicles hitting either other vehicles or fixed objects. The roads in cities were by far the most dangerous, with far more accidents occurring there than on the highways.
Car Accident Statistics by Vehicle Type in Kansas
The majority of car accidents were between passenger cars, with SUVs and trucks playing a much smaller role. Motorcycles were also involved in accidents, but at low numbers. When a motorcycle was involved, though, the risk of serious injury or fatality rose significantly.
Car Accidents in Kansas – More Facts
On average, there is a car accident in Kansas every nine minutes. The main cause of these accidents is simply inattention, where drivers are distracted. Alcohol was a factor in some crashes, but distraction and fatigue were the most likely culprits.
Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Kansas
- In Derby, you can be fined up to $500 for squealing your tires.
- You could face a $100 fine in Derby for riding a llama down the road.
Looking for Auto insurance in Kansas? Compare Between Relevant Insurance Quotes And Save Money Using Pretected’s “Smart Match”:
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.