Skip the auto shop - Our mechanics make house calls
  1. Home
  2. Articles
  3. Insurance Requirements for Car Registration in Kansas

Insurance Requirements for Car Registration in Kansas

Insurance Requirements for Car Registration in Kansas

The state of Kansas requires that all drivers carry liability automotive insurance, or “financial responsibility,” in order to operate a vehicle legally and maintain vehicle registration.

The minimum financial responsibility requirements for drivers under Kansas law are as follows:

  • A minimum of $25,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $10,000 for property damage liability

  • A minimum of $25,000 per person, for uninsured or under-insured motorist liability. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

This means that the total minimum amount of financial responsibility you will need is $110,000 to cover bodily injury, property damage, and uninsured or under-insured motorist liability insurance.

Other required insurance

In addition to the liability insurance types listed above, Kansas law requires that every insurance policy includes a Personal Injury Protection coverage that meets the following minimums:

  • $4,500 for medical costs that resulted from a vehicle accident

  • $4,500 for rehabilitation costs that resulted from a vehicle accident

  • $2,000 for funeral or burial expenses that resulted from a vehicle accident

  • $10,800 ($900 per month for one year) for disability and loss of income

  • $25 per day for in-home services that are necessary for rehabilitation

This type of insurance guarantees that your own bodily injury costs will be covered by your insurance. This is important because Kansas is a no-fault state, which means that the other party’s insurance will not pay for your bodily injury should you suffer any.

Proof of insurance

Any driver who is operating a vehicle registered in Kansas must carry proof of insurance with them. You must present proof of insurance when asked by a police officer, and at the scene of an accident you were involved in. Proof of insurance is also required in order to register a vehicle with the DMV.

Acceptable documents to prove insurance include:

  • An insurance card from an authorized insurance provider

  • A certificate of self-insurance

  • An SR-22 Proof of Financial Responsibility document, which verifies that you have insurance, and is usually only required of drivers who have previously had their licenses suspended for DUIs or other reckless driving charges.

Violation penalties

If you fail to produce proof of insurance when requested by a law enforcement officer during a traffic stop or at the scene of an accident, you could be facing some very stiff penalties in Kansas:

  • A minimum fine of $1,000 and a possible sentence of up to six months in jail for the first offense.

  • Further offenses can result in a minimum fine of $2,500, as well as a license and vehicle registration suspension.

  • You may have to pay reinstatement fees in order to register your vehicle again in the future.

For more information, contact the Kansas Department of Revenue through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

How to Get a Louisiana Driver's Permit
s licensing program. The first step in this program is to obtain...
Auto Safety Tips
Driving is more than a way to get from point A to point B. Owning and driving a car can also be a highly enjoyable experience. Whether a person is driving...
P0359 OBD-II Trouble Code: Ignition Coil I Primary/Secondary Circuit Malfunction
P0359 code definition The P0359 code indicates that a fault has been detected in one of the vehicle’s ignition coils, generally the number 9 coil. This code can also be associated...


Related questions

Q: My park 2003 Cadillac Escalade was hit on the front driver side knock a foot from where it was parked and back up on the center is.

Due to the collusion on the vehicle, the exhaust system was damaged and causing excessive air to get into the exhaust before the oxygen sensors. If the engine light was not on before the accident and now it is on,...

Q: what would be the average cost to own my vehicle over a ten year period

Typical "lifecycle" vehicle ownership and operation costs, such as you are inquiring about, are calculated on a 5 year interval. Going out 10 years has too much inherent uncertainly in inflation projections, and the costs of fuel, insurance, and repairs....

Q: Flooded car please help, potential damage? write off?

When the under vehicle got soaked and sat in the water the brakes tend to lock up after that if you had the parking brake on and then when you go to release it the rear drum brakes may stick...