Kansas car insurance

Common questions about Kansas
auto insurance

Need car insurance in Kansas? Whether you live in Wichita or Kansas City, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Kansas auto insurance, so you only pay for what you need.

What car insurance is required in Kansas?

In Kansas, it's illegal to drive without insurance. Drivers in Kansas are required to have

Bodily Injury to others
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection

Here are the minimum auto insurance limits drivers must have in Kansas.²

Coverage	Amount
Bodily Injury to others	$25,000 per person and $50,000 per accident
Property Damage Liability	$25,000 per accident
Uninsured Motorist Bodily Injury Coverage	$25,000 per person and $50,000 per accident
Underinsured Motorist Bodily Injury Coverage	$25,000 per person and $50,000 per accident
Personal Injury Protection (PIP)	$4,500 per person

Check out the Kansas Department of Motor Vehicles for more details.

Is Kansas considered a no-fault insurance state?

Yes, Kansas is a modified no-fault insurance state. In general, "no-fault" means that each person uses their own insurance to cover any injury related medical bills and costs due to an auto accident. In KS, this coverage is called Personal Injury Protection (PIP) and can be used regardless of fault. The minimum required is $4,500 per person.

PIP coverage in Kansas includes

$4,500 per person for medical expenses
$900 per month for one year for disability/loss of income
$25 per day for in-home services
$2,000 for funeral, burial or cremation expense
$4,500 for rehabilitation expense
Survivor Benefits: Disability/loss of income up to $900 per month for one year
In-home services up to $25 per day for one year

Because KS is a modified no-fault insurance state, you may be able to also file a claim for pain and suffering against the at fault driver. There are restrictions, and you must have at least one of these situations as a result of the accident

Medical expenses of at least $2,000
Sustained a fracture to a weight-bearing bone
Loss of a body part
Permanent loss of a body function
Significant scarring or permanent disfigurement
Permanent injuries
A displaced, comminuted, compression, or compound fracture
Wrongful death

You should keep all these things in mind when you choose your coverage.

What's the average cost of car insurance in Kansas?

The average cost of car insurance in Kansas was $1,647³ in 2021 according to thezebra.com. That's 8% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Kansas auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

Who has the cheapest car insurance in Kansas?

Getting the cheapest car insurance in Kansas may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴