Kansas Auto Insurance Laws
Before a motor vehicle can be registered in Kansas, it must be insured. Additionally, all motorists must be able to maintain financial responsibility throughout the vehicle’s period of registration. Failing to meet these requirements could result in fines or the loss of driving privileges. To avoid being convicted of driving while uninsured, residents should become familiar with state insurance requirements, and pursue coverage that can provide adequate protection.
What mandatory auto insurance laws exist in the state of Kansas?
- In order to operate a motor vehicle in the state of Kansas, you must carry the minimum coverages under the law. Please see the next section for a complete list of minimum coverages.
- Any person caught driving without insurance is guilty of a class B misdemeanor. They will be required to pay 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. You can also be fined and go to jail. If any motorist commits a second offense within three years, they will be found guilty of a class A misdemeanor. The fine for is not less than $800 nor more than $2,500.
The Insurance Information Institute says that, in Kansas, the minimum amount of personal injury protection must include the amount of $4,500 for every person to cover medical expenses, a minimum of $900 allotted per month in the event there is a loss of income, $2,000 for interment expenses and $4,500 for any rehabilitation related expenses. Survivor benefits must be included with disability covering $900 per month for a total of 12 months.
If you allow your insurance to lapse in the state of Kansas, this means that you are driving without insurance. In the state of Kansas, the penalties for driving without insurance are severe. Any person caught driving without insurance is guilty of a class B misdemeanor. They will be required to pay 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. You can also be fined and go to jail. If any motorist commits a second offense within three years, they will be found guilty of a class A misdemeanor. The fine for is not less than $800 nor more than $2,500.