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Kansas motorcycle insurance

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


Before you enjoy the breezes of Dodge City and cruise through other Kansas locales, it’s important to grab a motorcycle insurance policy that adequately covers you and your motorcycle. It’s good to know the rules of the road in the state, too.

What’s required of all motorcycle riders in Kansas?

To ride a motorcycle in Kansas, you’ll need a Class M learner’s permit (14 years and older), a less restricted Class M license (16 years and older), or a Class M endorsement on your driver’s license (17 years and older). Additional restrictions apply if you’re under 17, so contact the Kansas Division of Vehicles for details. Once you’re ready to ride, here are some rules of the road you should be familiar with:

  • Helmets: If you’re under 18, you must wear a helmet when operating or riding on a motorcycle. Even if you’re 18 or older, we strongly recommend you wear a helmet whenever you’re on a bike.

  • Eye protection: You must use protective eye gear whenever you operate or ride on a motorcycle. This can include:

    • Your helmet’s visor

    • Goggles

    • Eyeglasses

    • A windscreen that’s at least 10 inches higher than the center of the handlebars

  • Lights: Your motorcycle must have:

    • At least one headlight

    • A brake light

    • A taillight

    • Electric turn signal lights

  • Additionally, if your bike was made after January 1, 1978, the headlight and taillight have to be on whenever you’re riding.

  • Mirrors: Your motorcycle is required to have a rearview mirror on the left side.

  • Passengers: To carry a passenger, your motorcycle must have a passenger seat and passenger’s footrests.

  • Lane sharing: Two motorcycles can ride side by side on one lane, but you’re not allowed to operate your motorcycle between lanes of traffic or between rows of vehicles.

Illustration of a rider on a motorcycle

What are the motorcycle insurance requirements in Kansas?

As a Kansas resident, you’re required to carry motorcycle insurance before you can legally title and register a motorcycle in the state. Each state establishes its own minimum motorcycle insurance coverage limits—here’s what you need in Kansas:

Liability coverage

  • $25,000 for bodily injury liability or death of one person

  • $50,000 for bodily injury liability or death of two or more persons

  • $25,000 for property damage liability

Uninsured motorist and underinsured motorist coverage

  • $25,000 for bodily injury to one person

  • $50,000 for bodily injury to two or more persons

Personal injury protection coverage (can be rejected)

  • $4,500 per person for medical expenses

  • $4,500 for rehabilitation costs

  • $900 monthly for one year for work loss

  • $25 daily for essential services up to a maximum of one year

  • $2,000 for funeral, burial, or cremation costs

  • $900 monthly for one year for survivor’s loss

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Ready for a ride along the Missouri River?

Check out our motorcycle insurance recommendations before you go.

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Are optional motorcycle insurance coverages available in Kansas?

Yes. The minimum required insurance coverages may not be enough to protect you or your motorcycle from all possible expenses in case of an accident. That’s why we offer several optional coverages in Kansas, including:

Collision coverage

When your motorcycle is involved in a collision with another vehicle or a stationary object—or even if it just tips over and is damaged—your collision coverage can pay for the resulting costs of the damage.

Comprehensive coverage

If your motorcycle is damaged by something other than a collision, comprehensive motorcycle insurance can help you pay for repairs and other costs. This coverage frequently applies following incidents like theft, vandalism, and weather events like hailstorms.

Medical payments coverage

Medical payments coverage can help pay for the costs of medical coverage if you and your passengers sustain bodily injuries, regardless of who was at fault in the accident that led to the injuries.

Roadside assistance coverage

Stuck somewhere with a flat tire, an empty tank, or a dead battery? Roadside assistance coverage can bring you help when and where you need it most.

Illustration of a motorcycle with money and checkmark icons

Want more information before you buy?

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3 steps to get a free motorcycle insurance quote

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Provide information about yourself, your bike, and your riding history.
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Input details on other people who ride your motorcycle.
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Select the coverages you want and see what discounts you could qualify for.

Kansas motorcycle insurance discounts

We offer a range of motorcycle insurance discounts to help you find even more value in your coverage. Check out the list of discounts below, all of which are available in Kansas, and talk to your Dairyland® agent to see which ones you may qualify for.

  • Multi-cycle

  • Loyalty

  • Rider group

  • Operator safety course

  • Transfer

Sites to see in Kansas

Kansas, also known as the Sunflower State, has iconic prairies and wheat plantations. Plains and open roads provide riders with much-needed therapeutic scenery away from the usual hustle and bustle of life. Here are some places to visit on your bike while in Kansas.

Kansas Motorcycle Museum

The Kansas Motorcycle Museum is a tribute to Stan Engdahl’s legendary racing career. When in Marquette, visit the museum and take in the sight of over 100 vintage and rare motorcycles. It’s a dream destination for passionate motorcycle riders.

Cassoday Bike Run

Usually held on the first Sunday of each month from March to October, the Cassoday Bike Run is a Kansas motorcycle rally event that attracts over 7,000 motorcycle riders from across the U.S. Located in Cassoday, Kansas, (population 113 as of 2020) along the KS Turnpike and Highway 177, visiting riders can also enjoy the scenic Flint Hills.

Kansas offers ATV trails for everything from short rides to all-day adventures. Before you head out, make sure you’re covered with Kansas ATV insurance.

Get a Kansas motorcycle insurance quote

No matter what you ride, from dirt bikes to touring bikes and everything in between, we can help you crisscross the plains of Kansas worry-free. Enter your information below or give us a call at 866-324-7952 to get started.

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