Kansas Auto Insurance Policy Requirements

Q: What is in a basic Kansas auto insurance policy?
A: Your Kansas auto insurance policy may include the following components:

  1. Liability Coverage
    1. Liability insurance is divided into two types because the insurance concepts of property and individuals are considered separately:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in the state of Kansas. The auto insurance policies of all legal drivers must include a minimum of liability coverage:
      1. 25/50/10” (Kansas’s minimum auto insurance requirement)
      2. $25,000 to cover injury/death to one person.
      3. $50,000 to cover injury/death to more than one person.
      4. $10,000 to cover damage to property.
    3. Liability minimums are different for leased vehicles.
  2. Collision Coverage is compulsory if your vehicle is financed (not completely paid for). Otherwise, you can opt whether or not to include collision as part of a Kansas auto insurance policy.
  3. Comprehensive Coverage, like collision, is only compulsory if your vehicle is financed. If the vehicle has been paid off, then drivers residing in Kansas can choose whether or not to include comprehensive in their auto insurance policy.
  4. Medical Payments Coverage is not required for a Kansas auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is a required insurance option in Kansas.
  6. Personal Injury Protection (PIP) Coverage is also required for an auto insurance policy in Kansas.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Kansas a No-Fault state?
A: Yes, Kansas is a no-fault state.

Q: How can I get a discount on a Kansas auto insurance policy?
A: See our list of auto insurance discounts to see if you qualify.

Q: Where can I find more information about Kansas auto insurance?
A: There are several sources of authoritative insurance information for the state of Kansas on the internet:
  1. Kansas Insurance Resources
    1. The Kansas Division of Motor Vehicles (DMV) registers vehicles in Kansas and issues driver’s licenses.
    2. The Kansas Department of Insurance (KID) regulates and reviews insurance companies and educates consumers. KID offers helpful information on purchasing auto insurance and state requirements.
  2. National Insurance Resources

CLICKinsure proudly provides automobile insurance to residents of Kansas. The geographic center of the United States, Kansas is truly America’s “Heartland” with its golden grassy plains and undulating fields of wheat. Kansans can choose CLICKinsure as their broker to help them secure auto insurance anywhere in the state, including Wichita, Overland Park, Kansas City, Topeka, Olathe, and Lawrence. By choosing CLICKinsure as your broker, your full-service insurance agent can explain your choices of premiums and deductibles for the numerous automobile insurance policies offered in Kansas and also ensure that you receive the best rates in the state.

 

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