Kansas Car Insurance Minimum Requirements

Kansas requires at least 25/50/25 liability coverage. That is $25,000 for injuries to one person, $50,000 per accident and $25,000 for property damage.

Shorthand: 25/50/25
Those three numbers are only the liability part. A Kansas policy must also carry personal injury protection benefits and uninsured/underinsured motorist coverage at 25/50. Four mandatory coverages, not one.
Bodily injury — per person: $25,000
Bodily injury — per accident: $50,000
Property damage: $25,000
This figure was $10,000 until HB 2446 raised it for policies issued or renewed on or after January 1, 2017. Sites that still print Kansas as 25/50/10 are quoting a limit that has not applied for nearly a decade. The bodily injury limits were left alone, and the same act directs a legislative interim study committee — beginning with the 2026 interim period and at least every 10 years after — to look at whether all three should be adjusted.
Uninsured / underinsured motorist: Both required — 25/50 minimum, otherwise matched to your liability limits
Uninsured motorist coverage is mandatory and must be written at limits equal to the policy's own bodily injury liability limits, and every uninsured motorist coverage must include an underinsured motorist provision at those same limits. You may reject in writing only the part that exceeds the statutory minimums in K.S.A. 40-3107, so the floor of 25/50 cannot be declined. A rejection by the named insured binds everyone else on the policy, and total UM/UIM available cannot exceed the highest single applicable policy limit no matter how many policies or vehicles are involved.
Personal injury protection (PIP): Required on every vehicle
Kansas is a no-fault state: every motor vehicle liability policy must include personal injury protection benefits for the named insured, relatives in the same household, anyone driving the insured vehicle with permission, passengers, and pedestrians struck by it. Benefits are paid regardless of who caused the crash. One group may opt out: the named insured owner of a motorcycle or motor-driven cycle may reject PIP in writing for injuries suffered while on that cycle, and doing so does not make the cycle an uninsured vehicle.
PIP minimum limit: $4,500
$4,500 per person is the medical floor, and it is only one of six benefits the statute sets separately — there is no single pot. Alongside it: $4,500 for rehabilitation; disability benefits paid at 100% of lost monthly earnings (85% if the payments are tax-free) under a policy limit of at least $900 a month, for up to one year; substitution benefits capped at $25 a day for up to 365 days; funeral, burial or cremation expenses capped at $2,000; and survivors' benefits under a limit of at least $900 a month, plus substitution benefits, for up to a year. Read the amounts carefully: medical, rehabilitation, disability and survivors' are floors an insurer may exceed, while the $25 a day and the $2,000 are ceilings the statute fixes. None of it has changed since the 1999 amendments took effect on March 1, 2000.

Property damage minimum — where Kansas sits

Kansas sets $25,000 — higher than 23 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.

How Kansas compares with every other state

What these numbers buy you

Those first two numbers are two different walls, and drivers regularly mistake them for one. $25,000 is the most the policy pays for any single person's injuries. $50,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $25,000 is all your insurer owes, however large the bill. Injure three people and they divide $50,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.

The $25,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 2 states on this site set a higher one. Whatever the repair or replacement actually costs above $25,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.

None of this is what Kansas drivers actually spend. The average premium written per insured vehicle here was $349 in 2023, 43rd highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.

Carrying the minimum is legal, not safe. It is the line below which Kansas will not let you drive — and the penalties for falling under it are on the driving uninsured page.

Common questions

Is uninsured motorist coverage required in Kansas?

Both required — 25/50 minimum, otherwise matched to your liability limits.

Is PIP required in Kansas?

Required on every vehicle.

Is full coverage required in Kansas?

No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Kansas law requires. A lender or leasing company will usually require them until the car is paid off.

Every statute cited for Kansas

What changed

January 1, 2017
The property damage minimum went from $10,000 to $25,000 — Kansas has not been 25/50/10 since 2016
HB 2446 (L. 2016, ch. 72) amended K.S.A. 40-3107(e) so that every motor vehicle liability policy issued or renewed on or after January 1, 2017 carries a property damage limit of not less than $25,000, up from $10,000. The bodily injury limits of $25,000 per person and $50,000 per accident were left alone, so the state went from 25/50/10 to 25/50/25 in one step. Guides that still list Kansas at 25/50/10 are quoting a limit that stopped applying to new and renewed policies nearly a decade ago. The same act added K.S.A. 40-3107(j), which directs a legislative interim study committee — beginning with the 2026 interim period and at least every 10 years thereafter, subject to authorization by the Legislative Coordinating Council — to study whether all three minimum limits should be adjusted.
2016 HB 2446, enrolled — increasing minimum policy limit for property damage

Why the rule looks like this

More on Kansas

Checked against the primary sources above on September 27, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.