Whether you're looking to start new coverage or switch to SafeAuto, you'll want to make sure you have the minimum auto insurance coverage that Kansas law requires. SafeAuto can help you get the cheapest car insurance rates that meet Kansas state minimum requirements. Start your free car insurance quote online today!

Required Coverages

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

  • $25,000 because of bodily injury to or death of one (1) person in any one (1) accident
  • $50,000 because of 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 because of injury to or destruction of property of others in an accident
Such coverage is often written as 25/50/25 or 25,000/50,000/25,000

Penalty for Failure to Comply with Kansas Financial Responsibility Requirements:

  • 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)]

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.