Kansas Auto Insurance for First-Time Drivers
Kansas requires 25/50/25 liability coverage and is a no-fault state.
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Kansas at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
14
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Kansas
Kansas operates under a tort-based liability system, meaning the at-fault driver is financially responsible for injuries and damage they cause. The state requires all drivers to carry proof of insurance at all times — you must show your insurance card during traffic stops or after an accident. According to the Kansas Department of Insurance, driving without proof of coverage can result in license suspension even if you actually have a policy.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
What Drivers Pay in Kansas
$290/mo
Typical monthly rate in Kansas, new drivers
Rate data: Insurify, 2026
Bring Your Under 25 Rate Back to Earth
Compare Rates for Drivers Under 25Rules for new drivers
Night driving
9pm-5am
Passengers
no more than 1 passenger younger than 18
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Liability insurance is the foundation of every Kansas auto policy — it pays for injuries and property damage you cause to others. The premium (your monthly payment) for liability coverage is typically the largest portion of your bill, especially for first-time drivers.
Full Coverage
Full coverage combines liability, collision (pays for damage to your car when you hit another vehicle or object), and comprehensive (pays for damage from theft, hail, vandalism, or animal strikes). This is required by lenders if you finance or lease a vehicle.
Comprehensive Coverage
Comprehensive coverage pays for damage to your vehicle from non-collision events: hail, theft, fire, falling objects, or hitting an animal. You'll pay a deductible (typically $500 or $1,000) before coverage applies, and the insurance pays the rest up to your car's actual cash value.
Collision Coverage
Collision coverage pays to repair or replace your vehicle after you hit another car, a guardrail, a tree, or roll your vehicle — essentially any crash involving your car making contact with an object. This coverage applies regardless of who caused the accident.
Uninsured Motorist Coverage
This coverage steps in when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene. It pays for your medical bills, lost wages, and sometimes vehicle damage depending on the policy structure.