Kansas Insurance Requirements & Rates

Kansas requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage). Kansas is a no-fault state, meaning your own insurance pays for your injuries regardless of who caused the accident. Uninsured motorist coverage is required. Personal injury protection (PIP) is also required.

Kansas homeowners face risks from tornadoes, hail storms, severe thunderstorms, flooding. The flood risk level is moderate and earthquake risk is low. Separate wind/hail deductible common in tornado-prone areas. The average annual home insurance premium is $3,465.

Kansas requires riders under 18 to wear helmets. Lane splitting is not legal. Eye protection is required for all riders. The riding season is april–october.

Yes, workers' compensation insurance is required in Kansas. Sole proprietors and partners may opt out. Kansas has approximately 270,000 small businesses, with top industries including Agriculture, Aviation & Aerospace, Healthcare.

No, Kansas has not expanded Medicaid. The state uses the federal marketplace at healthcare.gov. The uninsured rate is 9%.

Yes, landlords in Kansas can require tenants to carry renters insurance as a condition of the lease. About 34% of Kansas residents are renters, with average monthly rent of $925.

With a median household income of $64,521, most Kansas families should consider 10-12x their annual income in life insurance coverage. Currently, 53% of Kansas households have life insurance.