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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

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.

Kansas motorcycle insurance discounts

At Dairyland®, 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.

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. Give us a call at 866-324-7952 to get started.

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