Kansas Auto Insurance
All across Kansas, SafeAuto provides affordable car insurance that fits your life and your budget while maintaining the coverage that meets Kansas's minimum requirements for an auto policy. No matter where you live in the Wheat state, SafeAuto's got you covered.
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REQUIRED COVERAGES IN KANSAS
Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims.
Our insurance follows Kansas law requirements, which are to maintain liability limits* of at least:
$25,000 | Bodily Injury Liability Coverage (Per Person)
The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident. If you are at-fault in an accident this coverage may help pay for the other driver's medical expenses.
$50,000 | Bodily Injury per Accident
The second number is the maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $25,000 per person limit. If you are at-fault in an accident this coverage may help pay for the other driver's, or their passenger's, medical expenses.
$25,000 | Property Damage
The third number is the maximum amount that your policy will pay for injury to or destruction of property of others in an accident. If you are at-fault in an accident this coverage may help pay for damages to the other driver's vehicle.
*Liability limits are typically expressed as three amounts separated by slashes written as 25/50/25 or 25,000/50,000/25,000.
Proof of Financial Responsibility & Penalties
What Are the Penalties for Not Having Legal Minimum Car Insurance in Kansas?
Failure to produce evidence of Financial Responsibility at the request of a law enforcement officer investigating an accident or during a traffic stop can result in monetary penalties as follows:
- Any person violating any provision of this section shall be guilty of a class B misdemeanor and shall be subject to a fine of not less than $300 nor more than $1,000 or confinement in the county jail for a term of not more than six months, or both such fine and confinement. [K.S.A. 40-3104(g)(1)]
- Any person convicted of violating any provision of this section within three years of any such prior conviction shall be guilty of a class A misdemeanor and shall be subject to a fine of not less than $800 nor more than $2,500. K.S.A. 40-3104 [K.S.A. 40-3104(g)(1)]
- In addition, may be subject to license suspension or revocation of vehicle registration [K.S.A. 40-3104(h)]
What is a Certificate of Financial Responsibility (SR-22)?
An SR-22 is a certification of future proof of Financial Responsibility issued by your insurance company to the Division of Motor Vehicles providing proof that you purchased liability insurance. The following circumstances may require a person to have an SR-22:
- Failure to provide proof of insurance during a traffic stop, unless proof of insurance is provided to the department within the time prescribed by KSA 40-3118(e)
- Conviction of any violation listed under the Habitual Violator Statute (KSA 8-285)
- Any license suspension resulting from noncompliance with the requirements to maintain evidence of insurance
- Failure to provide evidence of financial security as a result of an automobile accident as required
SafeAuto will only issue a Kansas SR-22 to Kansas residents.
LOOKING FOR KANSAS AUTO INSURANCE?
You can get a fast and free car insurance quote online or by calling a SafeAuto customer service representative at 1-800-SAFEAUTO (1-800-723-3288). Our customer service team is ready to assist you with your quote or answer any insurance questions you have.
SafeAuto offers affordable car insurance throughout the entire Wheat state. If you are looking for more car insurance information for a specific city in Kansas, more material can be found below.
- Kansas City Auto Insurance
- Olathe Auto Insurance
- Overland Park Auto Insurance
- Topeka Auto Insurance
- Wichita Auto Insurance
Play It Safe with SafeAuto Insurance
Have a question for us at SafeAuto? Need to start a policy? Just want to talk? Call us at 1-800-SAFEAUTO or email us at firstname.lastname@example.org. For common questions, please consult our FAQ page.