Cheap auto insurance in Kansas

Illustration of the Strataca Salt Mines in KansasIllustration of the Strataca Salt Mines in Kansas

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state. The following is a breakdown of minimum liability requirements for Kansas:

Is it mandatory to have car insurance in Kansas?


What are the minimum limits for Kansas?

$25,000 bodily injury liability per person 
$50,000 bodily injury liability per accident 
$25,000 property damage liability per accident



Auto coverage in Kansas

We’re proud to be able to help drivers in Kansas meet their insurance needs. Here are some of the parameters of our insurance coverage in Kansas:

What is the maximum bodily injury liability and property damage liability limit available in Kansas?

$100,000 bodily injury liability per person

$300,000 bodily injury liability per accident

$100,000 property damage liability per accident



What coverages are required to be offered in Kansas?

Bodily injury liability, property damage liability, personal injury protection, and uninsured/underinsured motorist bodily injury must be offered and can’t be rejected.

What coverages are available in Kansas?

  • Bodily injury liability

  • Property damage liability

  • Uninsured/underinsured motorist bodily injury

  • Medical payments

  • Personal injury protection

  • Comprehensive

  • Collision

  • Lienholder deductible

  • Special equipment

  • Rental reimbursement

  • Roadside assistance

  • Car loan protection

What’s the oldest a vehicle can be to get comprehensive and collision coverage in Kansas?

20 years

How far back does Kansas go to look at violation history?

3 years

What additional policy types are offered in Kansas?

Is an insurance score used in my rating in Kansas? If so, is it mandatory?

Yes, an insurance score is used in Kansas, but it’s not mandatory.

What policy terms are available in Kansas?

1, 2, 3, 6, and 12 months

What is the minimum down payment option in Kansas?

1 month term, or 16.7% plus 5 months (availability limited by risk characteristics).

Are SR22s used in Kansas? If so, is there a fee?

SR22s are available with no fee.

What discounts are available in Kansas?

  • Multi-car

  • Homeowners

  • Prior insurance

  • Paid in full

  • Quarterly

  • Advanced quote

  • Motor vehicle accident prevention course

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