The Complete Guide to Kansas Car Insurance

Lemonade is on the way to the Sunflower State and we’ll let you know as soon as we arrive! In the meantime, we’ll help you navigate all things KS car insurance like rates, requirements, and throw in smart shopping tips.

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How much does car insurance cost in Kansas?

Car insurance in Kansas averages $225/month for full coverage, but your actual rate depends on where you live, what you drive, and your driving record.
Here’s what drivers pay in major cities:

City	Average cost of car insurance
Wichita	$244
Overland Park	$215
Kansas City	$253
Olathe	$208
Topeka	$213

Source: ValuePenguin

Why is car insurance so high in Kansas?

Kansas drivers face unique risks that drive insurance costs

Uninsured drivers

While only 10.9% of drivers in Kansas are uninsured (vs. 13% nationally), other factors like repair costs and claim frequency drive premiums higher.

Car theft

FBI data shows there were 7,524 reported motor vehicle thefts in 2024 in KS, up 14% from the previous year.

Natural disasters

KS has a relatively low FEMA disaster rating of 50, with the highest risks of tornado and inland flooding, driving up comprehensive coverage costs.

What car insurance do I need in Kansas?

All Kansas drivers must carry minimum insurance coverage to legally drive.
Here’s what the state requires:

Required minimum coverages for Kansas drivers	Minimum amount required	What’s covered	What’s not covered
Bodily injury liability	$25,000 (per person) $50,000 (per accident)	Medical bills, lost wages, and other costs when you hurt someone else in an accident	Your own injuries, damage to your car, amounts above your policy limits
Property damage liability	$25,000	Damage you cause to other people’s cars, fences, buildings, and property	Damage to your own car, your own property, amounts above your policy limits
Personal injury protection (PIP)	$4,500 per person in medical expenses, $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs and $4,500 for rehabilitation	Your medical bills and often lost wages after any car accident, regardless of who’s at fault	Car damage, pain and suffering, may have limits on who’s covered
Uninsured/Underinsured Motorist Bodily Injury	$25,000 (per person) / $50,000 (per accident)	Your injuries caused by drivers with no insurance OR not enough insurance	Car damage, amounts above your limits

What additional car insurance coverages are offered in Kansas?

Beyond state minimums, these optional coverages provide
extra protection for Kansas drivers

Collision coverage

Pays to repair or replace your car if it's damaged in an accident with another vehicle or object like a fence or guardrail.

Comprehensive coverage

Covers damage to your car from non-collision events like theft, vandalism, hail storms, flooding, or hitting an animal.

Rental car reimbursement

Pays to cover alternative transportation while your car's being repaird. Specific coverage varies by insurer

What does (and doesn’t) car insurance cover in Kansas?

Car insurance protects you financially in many situations, but it does not cover everything.

Vandalism
Fire damage
Weather damage
Theft
Injuries to other people
Damage to property
Damage from a collision
Fender benders
Rental car reimbursement
Towing
Roadside assistance
Windshield damage

Your insurance won’t cover oil changes, engine problems, stolen personal items like your purse, or damage from prairie trail riding

How much car insurance do I need in Kansas?

You need enough coverage to protect yourself financially when accidents happen. If your car needed major repairs, could you afford these local Kansas labor rates? Keep in mind, parts and materials cost extra.

City	Body repair	Frame repair	Mechanical repair	Paint repair
Olathe	$84	$109	$151	$84
Wichita	$85	$101	$146	$85
Leavenworth	$84	$109	$151	$84
Overland Park	$84	$109	$151	$84
Kansas City	$84	$109	$151	$84

Source: Caliber

What happens if I drive without insurance in Kansas?

Kansas takes uninsured driving seriously, and the penalties add up fast.

Fines

$300-$1,000 first offense, $800-$2,500 second time, $1,500-$2,500 for habitual violators.

Suspension

License and registration suspended until you prove insurance for first two offenses. Third strike? Three-year revocation.

Jail time

Up to six months first offense, 90 days mandatory for third offense/habitual violation.

What do you need to get a car insurance quote in Kansas?

You’ll need some basic information like your driver’s license number and your car’s VIN, but with the right details handy, getting quotes is quicker than your morning coffee run. Here’s your checklist:

Your Details

Driver's license number
Social Security number (for credit check)

Your Car

VIN number (found on your dashboard or door frame)
Current registration or title

Your History

Any accidents or tickets from the past 5 years
Current insurance company and policy number (if you have coverage)

Your Preferences

How much coverage you want
Deductible amount you're comfortable with
Monthly budget range

How does car insurance work in Kansas?

Think of car insurance as a financial safety net for when things go wrong on the road.

Pick your protection

Shop around and choose coverage that fits your budget.

Make payments

Keep up with monthly payments and you’re covered.

When S%!t happens

File a claim, pay your deductible, and your insurer covers the rest up to your limits.

Kansas car insurance FAQs

Is Kansas a no-fault state?

Yes, Kansas is a no-fault state. You’re required to carry Personal Injury Protection (PIP) coverage for medical expenses and lost wages. The no-fault system limits your ability to sue for minor injuries, lawsuits are only allowed if injuries exceed certain severity or cost thresholds.

Do I need insurance to register a car in Kansas?

Yes, Kansas requires proof of auto insurance to register a vehicle. You must carry minimum liability coverage and Personal Injury Protection (PIP). Insurance is verified at registration and must stay active as long as your vehicle is registered.

What are the top risks for driving in Kansas?

Kansas drivers face challenges on long rural highways with high speed limits and minimal lighting. Severe weather, including strong winds and thunderstorms, creates dangerous driving conditions. The state’s straight, endless roads can contribute to driver fatigue, while rural wildlife crossings pose additional risks.

How long do I have to report an accident in Kansas?

Kansas law requires accidents involving injury, death, or property damage of $1,000 or more to be reported immediately to law enforcement. If police don’t investigate the accident, you must file a report with the Kansas DMV within 10 days. Not reporting can result in license or registration consequences. Insurance companies expect prompt notice.

What are the top safety tips for driving in Kansas?

In Kansas, those long, straight highways can put you to sleep, so take breaks regularly. Strong winds can push your car around, so keep a firm grip on the wheel. Slow down when storms and heavy rain hit. Watch for wildlife on country roads after dark.

All coverage is subject to individual policy limits, terms, and conditions. Any hypothetical examples used in Lemonade editorial content are purely expositional.
*Uninusured driver rate sourced from ValuePenguin: https://www.valuepenguin.com/auto-insurance/uninsured-motorist-statistics sourced February, 2026
**Theft rate sourced from the FBI’s crime data explorer: https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/query sourced February, 2026
***Disaster risk rating sourced from FEMA’s Disaster Resilience Hub: https://resilience-fema.hub.arcgis.com/datasets/national-risk-index-states-expected-annual-loss/explore sourced February, 2026