Frequently Asked Questions

Yes, your out-of-state car insurance will be accepted provided that your insurance provider certifies in writing that your insurance policy complies with KS laws. This means that you must have all the four types of liability coverage required to legally operate a motor vehicle in Kansas:

• Bodily Injury Liability
• Property Damage Liability
• Personal Injury Protection
• Uninsured/Underinsured Motorist Protection

Contact your insurance company to find out if your out-of-state proof of financial responsibility is accepted in Kansas. If not, you will be required to get KS car insurance.

For more information: How To: Save on Kansas Auto Insurance

If you are moving out of Kansas, check with your insurance provider and the DMV in the state you are moving to for information concerning minimum required liability coverage and other car insurance related issues.

If you are relocating to Kansas, your out-of-state car insurance will be accepted provided that your insurance provider certifies that your insurance policy complies with KS laws. This means that you must have all the four types of liability coverage required to legally operate a motor vehicle in Kansas. Contact your insurance company to find out if your out-of-state proof of financial responsibility is accepted in Kansas. If not, you will be required to apply for KS car insurance.

For more information: How To: Save on Kansas Auto Insurance

You must have the four types of liability coverage in order to legally operate a motor vehicle in Kansas. Failure to do so will result in a drivers license suspension in addition to high fees and filing SR22 coverage with the KS DMV for three years. Kansas only allows motorcycle license holders to opt for self-insurance and present a Certificate of Self-Insurance as proof of financial responsibility. This option is not available to drivers.

For more information: How To: Save on Kansas Auto Insurance

If you have been in an accident in Kansas, you must report it to the KHP or the local police department. Under Kansas state law, you are not required to report property damages to the KS DOR.

Even though it is not required by law, you should also inform your insurance provider of any and all property damages caused as a result of a car accident. Failure to report property damages within a reasonable period of time may result with the insurance company denying accident coverage.

For more information: How To: Save on Kansas Auto Insurance

Yes, all motor vehicles operated in Kansas must have liability coverage. Driving without insurance in Kansas may result with a suspension on your drivers license and payment of other fines and fees. If you have out-of-state car insurance, it will be accepted provided that your insurance provider certifies in writing that your insurance policy complies with KS laws. If not, you will have to apply for car insurance in Kansas even if you are residing outside Kansas for a certain period of time.

For more information: How To: Save on Kansas Auto Insurance

Auto coverage is required for all vehicles operated in Kansas. Therefore, if you own multiple vehicles, all of them must have liability coverage. However, many KS insurance companies offer discounts for insuring more than one vehicle on the same insurance policy. Check with your insurance company to find out if the multi-car discount is available and if you are eligible for it.

For more information: How To: Save on Kansas Auto Insurance

The listed minimum coverage in Kansas is as follows:

• Liability coverage
  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $10,000 per accident for property damage
• Personal injury protection (PIP or No Fault)
  • $4,500 per person for medical expenses
  • $900 per month for one year for disability/loss of income
  • $25 per day for in-home services
  • $2,000 for funeral, burial or cremation expense
  • $4,500 for rehabilitation expense
• Uninsured/Underinsured
  • $25,000 per person
  • $50,000 per accident

For more information: How To: Save on Kansas Auto Insurance

Acceptable documents that serve as proof of financial responsibility when registering your vehicle with the Kansas DMV include, but are not limited, to the following:

• Certificate of insurance (policy)
• Insurance card issued by an insurance company (notice of policy renewal NOT acceptable)
• Certificate of self-insurance issued by the Insurance Commissioner (only for motorcycles)
• A commercial policy

The proof of auto insurance presented must exhibit the policy’s expiration date. Originals and photocopies of these documents are acceptable.

For more information: How To: Save on Kansas Auto Insurance

In Kansas you are required to have the following types of auto insurance:

• Bodily Injury Liability, which pays for bodily injury to others for which you become legally responsible due to an auto accident in which you were involved;
• Property Damage Liability, which protects you for damage you may cause to the vehicles or property of others;
• Personal Injury Protection, which helps pay for your injuries after an accident regardless of fault;
• Uninsured/Underinsured Motorist Protection, which helps pay for your injuries if you are hurt in an accident with an uninsured driver.

Kansas insurance companies also offer various types of additional coverage, such as:

• Collision;
• Comprehensive;
• Towing and labor.

These types of insurance are not mandatory in Kansas, however, they may be required when applying for a car loan or entering a lease agreement.

For more information: How To: Save on Kansas Auto Insurance

Driving without insurance in Kansas may result in your car registration or drivers license suspension. To restore your driving privileges, you will have to pay high fees and file a SR22 insurance with the KS DMV for three years. Also, reinstating a suspended driving license or car registration for failure to get car insurance may require you to pay higher reinstatement fees.

For more information: How To: Save on Kansas Auto Insurance

All vehicles operated in Kansas must have the four types of liability coverage required by state laws. These include:

• Bodily Injury Liability
• Property Damage Liability
• Personal Injury Protection
• Uninsured/Underinsured Motorist Protection

Please note that Personal Injury Protection is not mandatory for KS motorcycle license holders. Furthermore, Kansas allows motorcyclists to opt for self-insurance and present a Certificate of Self-Insurance as proof of financial responsibility.

If you are not certain if you vehicle falls under the category of motorcycles, check with the Kansas DMV.

For more information: How To: Save on Kansas Auto Insurance