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Kansas Auto Insurance 
Kansas has been a no fault State since 1974. No fault insurance places limitations on the injured parties ability to sue other drivers for damages. In no fault insurance, your auto insurance company will pay for your damages (up to your policy limits), regardless of who was at fault in the accident. Other drivers involved will be covered by their auto insurance companies.
Kansas minimum liability limits; $25,000 per person for injuries you cause to the other parties, $50,000 total per accident, and $10,000 for damage you cause to the other party's property. You are also required to buy $4,500 worth of medical coverage (PIP). Consider optional coverages such as blanket umbrella, collision, comprehensive, and uninsured and underinsured motorists bodily injury.
If you are convicted of DUI in Kansas (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
Below (again) are the minimal limits.
| State minimums |
Bodily injury liability / person |
Bodily injury liability / accident |
Property damage / accident |
Medical coverage (PIP) |
Uninsured motorist |
| Kansas |
$25,000 |
$50,000 |
$10,000 |
$0 |
$0 |
Proof of insurance is required when you register your car. Your insurer must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Penalties for driving without insurance in Kansas are a $300-$1,000 fine and a maximum of 6 months in jail.
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