Affordable Kansas car insurance that puts you first
Root rewards Kansas drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Kansas auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Kansas auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Sunflower State
Kansas is built for long stretches behind the wheel. From Kansas City and Topeka to Wichita, Salina, and western Kansas, the road can feel just as big as the horizon.
East to west: I-70 runs through Kansas City, Topeka, and Salina before continuing west toward Colorado.
North to south: I-35 and the Kansas Turnpike connect Wichita with eastern Kansas, while the Flint Hills offer a completely different view from the interstate.
Plan your route: The Kansas Department of Transportation provides highway and transportation information for drivers across the state.
From Wichita to Topeka and beyond: Explore Kansas car insurance from Root.
Kansas's minimum auto insurance requirements
To legally operate a vehicle in Kansas, you must carry Liability insurance, Personal Injury Protection (no-fault insurance), and Uninsured / Underinsured Motorist coverage. If you are found driving without these coverages, you may face fines and suspension of your vehicle registration.
The minimum coverage amounts for liability, PIP, and UI/UIM car insurance required for drivers in Kansas are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Personal injury protection
$4,500 for medical expenses per person
$900 for disability / loss of income per month, for one year of coverage
$25 for in-home services per day, for one year of coverage
$2,000 for funeral, burial, or cremation costs
$4,500 for rehabilitation costs
Uninsured/underinsured motorist coverage
$25,000 per person
$50,000 per accident
Types of Kansas auto insurance we offer
Explore our Kansas car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
Personal Injury Protection (PIP) coverage
Required in Kansas, PIP covers eligible medical expenses and/or lost wages for you and your family members after an accident, regardless of fault.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage. In Kansas, uninsured motorist coverage helps cover eligible injuries to you or your passengers. Uninsured Motorist Property Damage (UMPD), which covers damage to your vehicle, is not offered in Kansas.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Kansas?
The average Kansas driver pays $2,496 per year for full coverage car insurance [2].
Root customers looking to purchase Kansas car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Kansas Auto Insurance FAQs
What is the minimum car insurance required in Kansas?
To legally operate a vehicle in Kansas, you must carry liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage are the only coverages you are legally required to select when purchasing auto insurance in Kansas.
Is it legal to drive without insurance in Kansas?
No, you cannot legally drive without auto insurance in Kansas. State law requires every driver and vehicle owner to maintain continuous liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Kansas?
Yes. Kansas requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Kansas?
The easiest ways to save on your Kansas car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Sunflower State.
Is Kansas a no-fault car insurance state?
Yes, Kansas is a no-fault state. Your own Personal Injury Protection (PIP) coverage pays for your medical expenses after a crash, regardless of who caused it. You can generally only sue the at-fault driver for injuries in limited situations, such as when injuries are serious enough to meet the state’s threshold.
Is auto collision insurance required in Kansas?
Kansas law does not require drivers to carry collision coverage. The state only requires minimum liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Kansas?
Yes, Kansas requires drivers to carry uninsured/underinsured motorist coverage. It helps pay for injuries (and, depending on your policy, vehicle damage) when the at-fault driver has no insurance or not enough coverage. You can review your uninsured/underinsured motorist coverage options, including higher limits, in our app.
Does Root offer full coverage car insurance in Kansas?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Kansas?
High-risk Kansas drivers may be ordered by a court or the Kansas Division of Vehicles to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
When can you sue after a car accident in Kansas?
Because Kansas is a no-fault state, injury claims usually go through your own personal injury protection (PIP) coverage first. You can step outside the no-fault system and file a claim against the at-fault driver only in certain situations, such as when your medical expenses reach $2,000 or more, or when you suffer a serious injury like a fracture, permanent disfigurement, or permanent injury.
What happens if I'm partly at fault for an accident in Kansas?
Kansas uses a modified comparative negligence rule with a 50% bar. You can recover damages only if you're less at fault than the other driver, and your compensation is reduced by your share of fault. If you're found 50% or more at fault, you can't recover damages.
Helpful resources for Kansas drivers
Kansas Division of Vehicles
The Kansas Division of Vehicles issues driver's licenses and ID cards and handles vehicle titles and registrations.
Kansas Insurance Department
The Kansas Insurance Department regulates insurance in the state and helps consumers with insurance questions and complaints.
Kansas Highway Patrol
The Kansas Highway Patrol enforces traffic laws on state highways, investigates crashes, and shares road condition information.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Kansas Office of Revisor of Statutes. K.S.A. 40-3107.
Insure.com. Annual average rates were compiled in 2026.