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Kansas Minimum Car Insurance and Penalties for Driving Without It
The short answer
Kansas requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Other required coverage: PIP $4,500 medical, UM/UIM.
Kansas at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25) |
|---|---|
| Other required coverage | Personal injury protection (PIP) is required, including at least $4,500 for medical costs, at least $900 per month for disability for up to one year, up to $2,000 for funeral costs and at least $4,500 for rehabilitation. Uninsured motorist coverage with an underinsured motorist provision is also required; you can reject only the amount above the minimum. |
| First offense for driving uninsured | Driving without insurance is a Class B misdemeanor with a fine of $300 to $1,000, up to six months in county jail, or both. After an accident report or an insurer denial, your license can be suspended and your registration revoked until you show proof of insurance and pay a $100 reinstatement fee. |
| Repeat offense | A later conviction within three years is a Class A misdemeanor with a fine of $800 to $2,500. |
| Fee to restore after a lapse | $100 reinstatement fee, or $300 if the registration was revoked within one year after an earlier revocation. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Kansas?
Kansas requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Other required coverage: PIP $4,500 medical, UM/UIM.
What happens if you drive without insurance in Kansas?
Driving without insurance is a Class B misdemeanor with a fine of $300 to $1,000, up to six months in county jail, or both. After an accident report or an insurer denial, your license can be suspended and your registration revoked until you show proof of insurance and pay a $100 reinstatement fee.