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Kansas Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Kansas. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Kansas.

KS Auto Insurance Laws and Regulations:

Kansas Dept. of Insurance
420 SW 9th St.
Topeka, KS 66612

Minimum Car Insurance Coverage in KS:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$10,000 for damage to property

KS Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


KS Uninsured Penalties:

If you are stopped by a law enforcement officer in Kansas, you may be asked to show proof of insurance or financial security. Failure to show either will result in the officer issuing a citation, which states guiltiness of a class B misdemeanor and involves paying a fine between $300-$1,000 dollars. Failure to make payment will result in a six-month stay at the county jail.

The second time you are caught without proof of financial responsibility (within three years of the last citation), you will be guilty of a class A misdemeanor and have to pay between $800-$2,500. Moreover, you may face loss of your vehicle registration and suspension of your driver's license. You will have to show proof of insurance coverage (such as an SR-22, or a form filed by the insurance company certifying coverage) and pay reinstatement fees to regain both items.


KS Department of Insurance Contact Information:

1-785-296-3071 or
Toll Free: 1-800-432-2484

KS State Insurance Department Website:





Directory of Kansas Auto Insurance Agents by County

Allen
Anderson
Atchison
Barber
Barton
Bourbon
Brown
Butler
Chautauqua
Cherokee
Cheyenne
Clark
Clay
Cloud
Coffey
Comanche
Cowley
Crawford
Decatur
Dickinson
Doniphan
Douglas
Edwards
Elk
Ellis
Ellsworth
Finney
Ford
Franklin
Geary
Gove
Graham
Grant
Gray
Greeley
Greenwood
Hamilton
Harper
Harvey
Haskell
Hodgeman
Jackson
Jefferson
Jewell
Johnson
Kearny
Kingman
Kiowa
Labette
Lane
Leavenworth
Lincoln
Linn
Logan
Lyon
Marion
Marshall
Mcpherson
Meade
Miami
Mitchell
Montgomery
Morris
Morton
Nemaha
Neosho
Ness
Norton
Osage
Osborne
Ottawa
Pawnee
Phillips
Pottawatomie
Pratt
Rawlins
Reno
Republic
Rice
Riley
Rooks
Rush
Russell
Saline
Scott
Sedgwick
Seward
Shawnee
Sheridan
Sherman
Smith
Stafford
Stevens
Sumner
Thomas
Trego
Wabaunsee
Wallace
Washington
Wichita
Wilson
Woodson
Wyandotte

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