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Required Coverages

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. They are typically expressed as three amounts separated by slashes written as 25/50/25 or 25,000/50,000/25,000

Kansas' Financial Responsibility law requires you to maintain liability limits of at least:

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.

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.

The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.

Proof of Financial Responsibility & Penalties

What is the penalty for Failure to Comply with Kansas' Financial Responsibility Requirements?

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 free car insurance quote online or by calling a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO. Customer service is available 24/7 to assist you with your quote or answer any insurance questions you may have.

Related Links:

Kansas Division of Motor Vehicles

If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at CSD@safeauto.com.