Kansas car insurance: minimums, SR-22 rules and costs
Last updated: November 12, 2026
Kansas drivers must carry at least $25,000/$50,000 of bodily injury liability and $25,000 of property damage liability, plus personal injury protection (PIP), uninsured motorist (UM) and underinsured motorist (UIM) coverage. In 2023, insured drivers in Kansas spent an average of $972.64 on car insurance, 24% below the national average of $1,281.60, according to the National Association of Insurance Commissioners (NAIC). That makes Kansas the 13th least expensive of the 50 states and D.C. by that measure.
Minimum car insurance required in Kansas
| Coverage | Minimum |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability, per accident | $25,000 |
| Personal injury protection (PIP) | Required |
| Uninsured motorist (UM) | Required |
| Underinsured motorist (UIM) | Required |
You'll often see this written as 25/50/25. The first two numbers are the bodily injury limits in thousands of dollars (per person and per accident), and the last is property damage. Those amounts are the most the policy pays for injuries and damage you cause to others. Anything above them can come back to you personally.
Is Kansas a no-fault state?
Yes. Kansas is one of 12 states with a no-fault auto insurance law, according to the Insurance Information Institute. Your own personal injury protection pays your medical bills after a crash, whoever caused it. You can only sue the other driver for pain and suffering once your injuries pass a monetary threshold.
SR-22 rules in Kansas
The Kansas Department of Revenue lists which violations require an SR22. They include DUI, a conviction for driving without insurance, and leaving the scene of a non-injury accident, which requires proof of liability insurance for a full year. Your suspension takes effect if the SR22 isn't received within 30 days of the requirement.
The department also says not to buy an SR22 until its Driver Solutions office asks for one. An SR22 filed before you get that notice doesn't count.
Read more: what an SR-22 is and how it works.
What drives car insurance costs in Kansas
Average spending in Kansas rose 19% from 2019 to 2023, compared with 19% nationwide. Here's average annual spending per insured vehicle, from the NAIC:
| Year | Kansas average | U.S. average |
|---|---|---|
| 2019 | $817.88 | $1,075.08 |
| 2020 | $792.71 | $1,047.76 |
| 2021 | $815.81 | $1,060.23 |
| 2022 | $868.11 | $1,124.45 |
| 2023 | $972.64 | $1,281.60 |
The NAIC's "average expenditure" is total written premium divided by insured vehicles. It isn't a quote, and your own price depends on your driver profile and the coverage you choose.
- Uninsured drivers. An estimated 12.0% of drivers in Kansas were uninsured in 2023, lower than the national estimate of 15.4%. That's the 25th lowest rate among the 50 states and D.C. When more drivers are uninsured, insured drivers' own uninsured motorist coverage pays more claims, which pushes up its price.
- Crash deaths. Kansas recorded 339 motor vehicle crash deaths in 2024, or 1.07 per 100 million miles driven, lower than the U.S. rate of 1.19 (the 18th lowest of the 50 states and D.C.). Severe crashes drive up bodily injury claim costs.
- Where and how crashes happen. In 2024, 55% of Kansas's crash deaths happened in rural areas (U.S.: 41%), 21% involved speeding (U.S.: 29%), and 10% of those killed were pedestrians (U.S.: 18%).
- No-fault rules. Mandatory PIP means every policy pays for its own driver's medical costs, which shapes what you pay for that part of the policy.
Ways to save on car insurance in Kansas
- Compare at least three quotes. Insurers weigh the same facts differently, so prices for the same driver in Kansas can vary widely. More ways to lower your bill.
- Check your uninsured motorist limits anyway. Even at 12.0%, uninsured and underinsured drivers are common, and UM coverage is usually inexpensive. How UM coverage works.
- Shop at renewal. Even where prices rise more slowly, your own renewal can jump after a claim, a move or a new car. When to compare.
- Review your PIP options. In a no-fault state, PIP is a big part of the bill. Ask how different PIP limits, deductibles or coordination with your health insurance change the price.
- Keep comprehensive if your car is worth it. Most crash deaths in Kansas happen on rural roads, where animal strikes and long distances are common. Comprehensive covers hitting an animal; collision covers crashes. Comprehensive vs. collision.
- Ask about discounts. Common ones include safe driver, multi-car, bundling, paying in full, good student and usage-based programs. They're not always applied automatically.
See other states in our car insurance guides by state.
Sources
- Insurance Information Institute, Automobile Financial Responsibility Limits and Enforcement by State (as of July 2024)
- NAIC, 2023 Auto Insurance Database Average Premium Supplement (June 2025), Table 4: average expenditure
- Insurance Information Institute, Background on: No-fault auto insurance
- Kansas Department of Revenue, Imposed actions on major violations (Rev. 01/2023)
- Insurance Information Institute / Insurance Research Council, Facts + Statistics: Uninsured motorists (2023 estimates)
- IIHS-HLDI, Fatality Facts 2024: State by state
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