According to a recent survey, Kansas drivers ranked highest in the country when it comes to knowing safe driving laws. With statistics like that, it's no wonder driving around places like Olathe, Topeka, Salina, Hays, Wichita, or Dodge City is so nice. But no matter where you drive, be sure your vehicles are covered by the right auto insurance for the state of Kansas. Get a free Kansas car insurance quote with GEICO to ensure the best protection for your vehicle.
Kansas law requires certain minimum auto insurance coverages. Here’s a quick breakdown of what’s required and how each coverage can help you.
| Coverage Type | Kansas Minimum Requirements | What It Covers |
|---|---|---|
| Bodily Injury Liability | $25,000 per person; $50,000 per accident | Helps cover medical expenses and lost wages for others injured in an accident you cause. |
| Property Damage Liability | $25,000 per accident | Provides coverage for damage you cause to another person’s property, such as vehicles, buildings, or fences. |
| Personal Injury Protection (PIP) | $4,500 per person | Assists with the cost of medical expenses, disability benefits, and funeral costs for you and your passengers. |
| Uninsured/Underinsured Motorist Bodily Injury | $25,000 per person; $50,000 per accident | Helps pay for medical expenses if hit by a driver with no insurance or insufficient coverage. |
| Collision | Not required | Helps pay to repair or replace your vehicle after a collision. |
| Comprehensive | Not required | Helps cover damage to your vehicle from theft, vandalism, weather, or other non-collision incidents. |
The easiest way for Kansas drivers to save on auto insurance—without cutting back on essential coverage—is by taking advantage of available discounts. GEICO offers a wide variety of savings opportunities, from good student and multi-vehicle discounts to savings for paying in full and safe driving.
With so many options, nearly every policyholder has the chance to qualify for some form of discount, making it simple to reduce premiums while keeping the strong protection they need on the road:
Multi-Line: Save money when you bundle multiple insurance policies, such as auto coverage and a renter’s or motorcycle policy.
You will need to take the vehicle and the title for the vehicle to a motor vehicle inspection station and obtain a Motor Vehicle Examination (form MVE-1) before going to the county treasurer's motor vehicle office.
Take the title, pink copy of the MVE-1 and proof of insurance with you to the county treasurer's motor vehicle office to complete an application for a Kansas title and registration.
Each county has their own mill levy for personal property taxes so you will need to contact the county treasurer's office to determine the amount of fees and taxes due.
Despite the flat and straight roads in Kansas, driving can prove to be a challenge. The weather in Kansas can also pose problems, especially during the infamous tornado season. Severe thunderstorms appear frequently and with little warning and often produce large, damaging hail and tornadoes.
The National Weather Service recommends that if you see a tornado while driving, you should never try to out-drive it in your car. Storms can often change direction and have the potential to pick up a car or truck. If possible, park your car and find shelter in a nearby building. If there is no time to get inside, move to a low-lying area or ditch away from the car.