Featured Expert
Amanda Horner
Amanda Horner Kansas Traffic Safety Resource Office View bio

Kansas has more miles of roads than all but three other states, says Amanda Horner, a traffic safety specialist with the Office of Highway Safety. That adds up to a lot of views of wide-open plains — and a lot of chances to get into accidents. Insurance isn’t just a smart idea in Kansas: it’s the law. Read on to find out what the state requires in terms of insurance and road safety.

Kansas Vehicle Insurance Requirements

Summary

Kansas drivers generally follow the rules when it comes to insurance: Slightly more than 90 percent of all drivers are estimated to have at least the minimum levels of insurance. Kansas is an at-fault state when it comes to auto accidents, which means you’ll be responsible for accidents that you cause. State law requires several layers of coverage to protect drivers.

Who Needs Vehicle Insurance in Kansas?

All drivers must provide proof they meet the minimum auto insurance standards in Kansas before the DMV will register a car and issue license plates. It’s against Kansas law for a motor vehicle owner to lend an uninsured car to anyone else.

Proof of Insurance

Kansas drivers must provide proof of insurance when registering their vehicles. You’ll have to show documentation after an accident or if an officer asks for it.

Minimum Liability Insurance Requirements

Kansas law is unusual in that it requires three different types of insurance, which include:

Liability insurance:

  • $25,000 for injury or death per person
  • $50,000 for total injuries or deaths, if multiple people get hurt
  • $10,000 for property damage

Personal injury protection (PIP):

  • $4,500 per person for medical costs
  • $900 per month for a year for disability and loss of income
  • $25 per day for in-home services
  • $2,000 for funeral, cremation or burial costs
  • $4,500 for rehabilitation

Uninsured and underinsured motorist coverage:

  • $25,000 per person for injury
  • $50,000 for all injuries

Alternatives to insurance

Although some states allow drivers to purchase a sizeable bond in lieu of insurance, there are no alternatives to vehicle insurance in Kansas.

However, the Kansas Automobile Insurance Plan can help high-risk drivers obtaining car insurance if at least three insurance companies refuse to issue a policy. Kansas-licensed car insurance agents can provide information on how to apply.

What Happens If You Drive Without Car Insurance in Kansas?

Driving without insurance in Kansas can cost you. And you can also expect to go through these steps to get everything straightened out:

  • Visit a DMV office.
  • Submit any required documents.
  • File an SR22 or proof of insurance.
  • Retake the driving skills and knowledge tests, if required by court order.
  • Pay a reinstatement fee

How Much Vehicle Insurance Do You Need in Kansas?

The minimum levels of insurance required by the law may not be enough to cover you in an accident. The Insurance Information Institute says experts recommend you carry liability insurance with a minimum of $100,000 per injury or death and at least $300,000 per accident.

What Percentage of Drivers in
Kansas Lack Vehicle Insurance?
9.4% National Average: 12.6 %

The Kansas Insurance Department suggests you consider additional types of insurance if you can afford it:

  • Collision coverage, which pay for repairs or replacement if your car is damaged in a crash
  • Comprehensive insurance, which covers damages caused by something other than a crash, such as fire, theft or a natural disaster such as a tornado
  • Towing and labor

Collision and comprehensive coverage may also be necessary to secure a car loan or lease a vehicle.

For more on the types of insurance you may need, see our MoneyGeek guide to car insurance.

Car Insurance and Special Groups

Teen Drivers in Kansas

Teen drivers in Kansas must carry the same minimum auto insurance required of anyone else. To keep costs down, consider asking the insurance company to set a higher deductible on the car, and ask if they offer any discounts for teens with good grads or a clean driving record.

Kansas Car Insurance: The Impact of a Teen Driver

Median annual price change for families with a teen driver on their policy:

$1,860 increase This is a difference of 117%.
Comparison of Premium Ranges
25th - 75th Percentile Median
Watch Your Speedometer

Average annual premium increase if a teen gets a speeding ticket while driving 11-15 mph over the speed limit:

Male teen

$340

Speedometer
Female teen

$299

Discounts for Teens in Kansas

Impact on annual premium with Good Student and Defensive Driving discounts:

$283 saved

Compare Premiums of Kansas Providers

Policy costs vary from policy to policy, so shop around. Check out the annual average premiums for a married couple with a 16-year-old teen driver in Kansas:

Insurance Provider Min MEDIAN MAX
American Family $894 $2,199 $3,562
State Farm $1,767 $2,992 $5,292
Farmers $2,631 $4,112 $7,758
Farm Bureau Mutual (IA Group) $2,102 $4,171 $11,353
Progressive $2,150 $4,282 $10,218

Check Out How Car Choice Affects Kansas Auto Insurance Premiums

Insurers consider sports cars, a type of vehicle associated with speeding, a more risky choice for teens than sedans and minivans. Premium rates reflect it.

Average premium for two 2014
Mustang GTs

$4,411

Average premium for two 2008
Town and Country Limiteds

$3,316

Annual benefit of minivans:

$1,095 saved This is 25% less expensive.
Premium Comparison for Two Adults + 16 Year Old
25th - 75th Percentile Median

College Students in Kansas

Full-time college students from out of state do not have to obtain a Kansas license or registration. Kansas residents enrolled in an out-of-state school should inform the insurance company if the vehicle will be used in another state for more than 30 days per year.

Kansas Teen Drivers vs. College Age Students

Median annual premium change with a college student vs. high school driver

$745 decrease This is a decrease of 20%.
Comparison of Premium Ranges
25th - 75th Percentile Median

Annual Rates With a College Student in Kansas

Each year, review your policy before it renews to see whether you could get a better rate. Here are the average premiums for a married couple with a 19-year-old college student in Kansas.

Provider Min MEDIAN MAX
American Family $894 $1,859 $3,264
State Farm $1,370 $2,312 $4,028
Farmers $1,860 $2,966 $5,611
Farm Bureau Mutual (IA Group) $1,507 $3,265 $8,445
Progressive $1,878 $3,744 $8,894

Surprising Driver Discount for Kansas College Students

You may receive a small break in your family’s premium if your college student lives 150+ miles away from home.

Average premium for a 19-year-old male
  • $3,390 at home
  • $2,856 at school
  • $534 in savings
Average premium for a 19-year-old female
  • $2,890 at home
  • $2,533 at school
  • $357 in savings

How Your Car Can Affect Your Insurance Rates in Kansas

Your premium will be significantly lower if your college student drives a minivan than if he or she drives a sports car.

2014 Mustang GTs (2)

$3,540

2008 Town and Country Limited minivans (2)

$2,618

Annual benefit of minivans

$922 saved This is 26% less expensive.
Premium Comparison for Two Adults + College Driver
25th - 75th Percentile Median

Military Drivers in Kansas

If you’re a veteran or active duty military in The Sunflower State, save money on your auto insurance by asking carriers for their military discount. Many companies offer them, and several carriers work only with military personnel and vets, so they may be better attuned to the needs of people living the military life. Discounts are not always automatic; a good driving history is also considered when insurance companies set a premium rate.

Kansas has nearly 25,000 active-duty military personnel living in the state. Service members who live in Kansas but are deployed elsewhere can renew their vehicle registration online. Kansas will waive the property tax on a vehicle registration if the active duty member’s name is on the title along with proof of insurance.

Kansas Service Members:
How the Auto You Choose Affects Your Premium

Rollover crashes are more likely if you have an SUV or pickup, according to the Insurance Information Institute, but a recent model sports car will drive up your premium more than an older model SUV.

Military Drivers: How Premium Ranges Rank by Driver Age and Vehicle
25-Year-Old Driver
50-Year-Old Driver
25th - 75th Percentile Median

Age Savings for Kansas
Service Members

Median auto insurance
for service members:

$1,105
Male (25 yrs)$1,421
Male (50 yrs)$1,040
$381 savings
Female (25 yrs)$1,281
Female (50 yrs)$1,051
$230 savings

Compare Average Premiums Available to Kansas Military Personnel

When looking for the most affordable car insurance, it pays to do some comparison shopping. Check out the average annual rates you can get in Kansas.

Premium Comparison for a Military Driver
25th - 75th Percentile Median

Seniors in Kansas

Kansas law requires insurance discounts for drivers 55 and up who complete an approved safety course. Discounts vary by insurance company, but average 10 percent.

Undocumented Workers in Kansas

Kansas allows some undocumented immigrants who have a valid work permit to obtain a driver’s license. The rules for obtaining a license are tied to the federal Deferred Action for Childhood Arrivals program. Young immigrants who have lived in the United States continuously since 2007 and came here before age 16 can be eligible for a two-year deferment of action on their immigration status. This enables them to obtain the documents necessary for getting a Kansas driver’s license.

Ridesharing Insurance in Kansas: Are You Covered?

Ridesharing services such as Uber operate statewide in Kansas. However, Uber drivers, for example, have only contingent insurance when they’re driving to pick up a passenger, according to Farmers Insurance, who was the first company in the state to offer “Ridesharing Insurance” (for approximately $15 more a month) to cover that gap. After the driver picks up a passenger, insurance from the ridesharing company will kick in.

Car Accidents: How to File a Claim

In Kansas, you must report any accidents involving injury, death or at least $1,000 in property damage. The Kansas Insurance Department lists these steps in filing a claim for coverage in an auto accident:

  • Contact the insurance company about any accident regardless of fault. Follow up in writing.
  • If the other driver is responsible, contact his or her insurance company to file a claim.
  • Follow the instructions from the insurance company on how to gather repair estimates and other information.
  • Vehicle owners injured in an accident should contact their own insurance. companies because in Kansas the No-Fault Personal Injury Protection coverage would apply.
  • Keep all records of the accident and written communications from the insurance company.

In Kansas, insurance companies are required to investigate a filed claim within 30 days from when it was reported.

Driver Safety: How Does Kansas Rank?

In 2014, Kansas City and Olathe, Kan. were among the top 10 safest cities to drive, according to the Allstate Best Drivers Report. As a whole, Advocates for Highway & Road Safety give Kansas a yellow “caution” light for road safety, urging the state to adopt an all-rider motorcycle helmet law, do primary enforcement of seat belt laws, and raise the minimum age for a learners’ permit to 16 and a full license to 18.

Kansas Driver Safety Ranking

29th in the U.S.
About Our Data

The driver safety table shows the different safety factors that contribute to your state's overall safety rank (in the green box). The overall safety ranking and the National Ranking column scores in each category (including crash fatality rates) are from safest to most dangerous, with 1st being the safest and 51st the least safe.

How did we create the safety rankings?

We created a traffic safety ranking of all US states plus the District of Columbia by combining data from the National Highway Traffic Safety Administration and the Insurance Institute for Highway Safety. We looked at fatality rates by distance traveled as well as by population and gave more weight to behaviors that were riskier and preventable (i.e., drunk driving, not using a seat belt), as well as to accidents that involved more than one party (i.e., multi-vehicle).

Driver Safety Profile Number of Fatalities Fatality Rate

The fatality rate is the rate per one billion vehicle miles traveled, except for pedestrian and bicyclist fatality measures, which are per measured per a population of 100,000.

Ranking
(National)

Rankings are in order of safest to least safe. A state with the lowest fatality rate would be the safest, and thus ranked #1.

Drunk Driving-Related Fatalities 102 3.36 28th
Speeding-Related Fatalities 111 3.67 32nd
Passenger Vehicle Unrestrained Fatalities 146 4.83 37th
Unhelmeted Motorcycle Fatalities 18 0.60 24th
Multiple Vehicle Fatalities 150 4.97 33rd
Pedestrian Fatalities 25 0.86 12th
Bicyclist Fatalities 6 0.21 35th
Total Vehicle Fatalities 350 11.59 32nd

Sources: National Highway Traffic Safety Administration, Insurance Institute for Highway Safety

Kansas: Protecting You from Injury on the Road

Drunk driving is a continuing problem that’s hard to fix, Horner says. “Kansas is a rural state, so public transportation is limited to cities and urban areas,” she says. “People feel like driving is their only option, or maybe they rationalize it and think they’re not that drunk or not going very far.”

The state is trying to reduce drunk driving through sobriety checkpoints and mandatory ignition interlock devices for anyone convicted of repeat DUI. Kansas is also preventing drunk drivers of the future by reaching out to middle schoolers through a special program called Safety Break.

“We’re trying to teach them now what dangerous driving can lead to,” Horner says. “It’s a lot harder to teach those who are already drinking and driving, and they’re not recognizing when they’re impaired. We’re trying to reach younger people before they even start driving.”

  Requirement State Law Details
Mandatory seat belts Required of all drivers and passengers
Child passenger safety Children 8 and under must ride in an age-appropriate car seat
Driving under the influence (DUI) For drivers under 21, 0.02 is the legal limit for blood alcohol content (BAC); 0.04 BAC for commercial drivers; 0.08 for all others. Penalties include 48-hour mandatory jail time, fine, and license suspension (30 days) for first offense; penalties increase steeply for multiple convictions
Ignition interlock after DUI Required after second and subsequent convictions
Talking on cell or texting while driving Cell use banned for all novice drivers (learners permits and intermediate). Statewide ban on texting and driving
Protections for young drivers Partial Graduated driver’s license; restrictions on nighttime driving before getting a full license and the number of non-sibling minors in the car
Motorcycle helmet law Partial Helmets required for riders under 18
Bicycle helmet law No statewide law

Source: Governors Highway Safety Association, 2016

Car Insurance Resources for Kansas Residents

Kansas Department of Insurance

Can assist you with finding an agent, comparing rates, and filing a complaint against your insurer and other issues.

Kansas Department of Transportation (KDOT): Traffic Safety.

Useful resources for driving laws, consumer education, teen driver safety, alcohol and more.

Kansas Department of Revenue

Check the status of your driver’s license here to determine if it is active or suspended.

Kansas Driver’s License Handbook

Published by the state DMV, this online publication covers driving laws and how to obtain a license.

SafeRoads/Kansas

A yearly report on road safety in Kansas from Advocates for Highway & Auto Safety, an alliance of consumer, public health, and insurance groups.