States
Kansas minimum car insurance: 25/50/25
At least $25,000 per person, $50,000 per accident and $25,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Kansas minimum: 25/50/25 · No-fault
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$80,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $25,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Kansas folds personal injury protection into the liability policy itself. K.S.A. 40-3107 requires 25/50/25 and also requires those benefits, so they are not an extra sold later. The definitions in 40-3103 set medical benefits at not less than $4,500, rehabilitation at not less than $4,500, disability at not less than $900 a month for up to a year, funeral benefits up to $2,000 and substitution benefits up to $25 a day for up to 365 days. Annotations to the section refer to a no-fault insurance act. Penalties are in 40-3104: a class B misdemeanor, with a fine from $300 to $1,000, up to six months in the county jail, or both. A second conviction within three years becomes a class A misdemeanor with a fine from $800 to $2,500. The same section provides for suspending license and registration.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Kansas
This is the most common pattern among the states we read, shared with 11 others, so a policy from one of them normally fits without change.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $25,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $25,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Kansas.
What else we read for Kansas
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | A Kansas liability policy must include personal injury protection benefits (K.S.A. 40-3107); annotations to the section call the law a no-fault insurance act. | official text |
| Other required or offered cover | Not verified | None read |
| Penalties | Class B misdemeanor: fine of $300 to $1,000, up to six months in jail, or both. A repeat within three years is a class A misdemeanor, with a fine of $800 to $2,500 (K.S.A. 40-3104). | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.