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Cheap Car Insurance in Kansas

If the place you call home is anywhere across the Wheat state, you’re in luck! SafeAuto provides cheap auto insurance in Kansas that fits your life and budget while maintaining the coverage that meets Kansas’ minimum requirements for an auto policy. Whether you reside in one of Kansas’ small towns or one of Kansas’ largest cities, SafeAuto has got you covered with an affordable car insurance policy with 24/7 access to our customer service team. Start your fast and free car insurance quote online, and join the SafeAuto family today!

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Required Minimum Auto Insurance 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. *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:

  • $25,000 | Bodily Injury 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.

  • $50,000 | Bodily Injury per 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.

  • $25,000 | Property Damage

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

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)]

Penalty for Failure to Comply with Indiana's Financial Responsibility Requirements:

Failure to maintain proper insurance could lead to the suspension of your driver's license for at least ninety (90) days - one (1) year for repeat violators within a three (3) year period. To obtain a reinstatement of your license, you may have to pay a reinstatement fee of $150, $225, or $300 depending on whether it is a first, second, third or subsequent offense, and provide current proof of insurance signed by an agent or representative of the insurance company.

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 Car Insurance?

SafeAuto offers affordable Kansas auto insurance throughout the entire Wheat state! If you are looking for more information across the state of Kansas, more material can be found below.

Related Kansas Insurance Requirement Information:

Kansas Division of Motor Vehicles

SafeAuto loves to save you money on your car insurance. That’s why SafeAuto is the Insurance for the Rest of Us. We’d be happy to have you be a part of the SafeAuto family while you’re enjoying the road ahead!

If you have any further car insurance questions, please visit our FAQ page or contact the SafeAuto Customer Service Department at