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Kansas A No-Fault State And Minimum Requirements To Drive

Kansas is a no-fault state. All no-fault states need their motorists to carry Personal Injury Protection (PIP) to pay each insured motorist’s hospital charges, lost salary and death benefits with no regard for who was responsible in an accident. Dependent on a person’s healthcare insurance, the State of Kansas may need its residents to maintain only the minimum PIP policy in the quantity of:

  • $4500 for medical expense and rehabilitation benefits

  • $900 a month for disability

  • $25 for in-home care

  • $2000 for funeral expenses

  • $900 a month for survivor benefits

As with most no-fault state there are exceptions where the cost of medical car for a person injured during an accident. Since the exceptions are possible in the state of Kansas there is minimum coverage required too:


Kansas City, KS/MO. Image courtesy of

Bodily Injury Liability

Covers hospital charges if the insured party is discovered to be at-fault in a car accident. When the minimum policy is held, the insurer will pay up to $25,000 if a single individual is concerned up to $50,000 for multiple passengers per accident.

Property Damage Liability

Helps pay for damages to the other person’s car as well as any public or private property, such buildings, doors, and traffic signs, that might be damage in an accident. Minimum coverage allows for insurance firms to pay $10,000 for a single event.

The set limit for the state of Kansas is 25/50/10 and the numbers represent (in thousands) and are followed respectfully as mentioned above. Also, Kansas is a state where uninsured motorist protection is a requirement. This type cover will pay for your medical expense in the event you are in an accident with an uninsured motorist. On the other hand, if your healthcare benefits are high enough you could be exempt from carrying UM insurance.

Local Kansas Car Insurance Agents

It is highly recommend to consider comprehensive cover for any unforeseen accidents such as natural disasters, such as tornadoes which are common in the state of Kansas. With this cover you will be protected up to a certain amount for any type of “non-collision” type of accident. Collision cover is another option to consider and if you have financed your vehicle you will be required to show collision cover to the bank. If your vehicle is financed you may want to consider the cost of Gap insurance which is going to cover the value of your vehicle and what is left over or the “gap” from financing the car.

At Autoinsuresavings we know how important it is to save money, but at the same time you want to be sure you are protected with proper cover when you need it most. Feel free to use our comparison tool at the very top of the page to find the lowest premium for your driving needs. 

Shaun Fyffe
Hi, I am Shaun Fyffe and writing is my passion. In my spare time I enjoy the outdoors, spending time with my family, sometimes I might go hiking or riding a bike, plus doing the regular hanging out - New York Style!

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