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State of Kansas Insurance Requirements

Kansas law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

  • Liability coverage
    • $25,000/person for bodily injury
    • $50,000/accident for bodily injury
    • $10,000/accident for property damage
  • Personal injury protection (PIP or No Fault)
    • Minimum amount required by law:
      • $4,500/person for medical expenses
      • $900/month for one year for disability/loss of income
      • $25/day for in-home services
      • $2,000 for funeral, burial or cremation expense
      • $4,500 for rehabilitation expense
    • Survivor Benefits: Disability/loss of income up to $900/month for one year
    • In-home services up to $25/day for one year
  • Uninsured/Underinsured
    • $25,000/person
    • $50,000/accident

SR-22 (the “SR” stands for “safety responsibility”) is a document that verifies that someone has automobile insurance. The SR-22 is prepared by an insurance company and then filed (by the insurance company) with the department of motor vehicles (DMV). The SR-22 is not an insurance policy. It is evidence that you have a policy.

Typically, an SR-22 is required when a driver seeks to reinstate a driver’s license after being convicted of a DUI, reckless driving, driving without insurance, or some other driving violation that’s resulted in a suspension. The SR-22 may be required whether you own a vehicle (owner SR-22) or not (non-owner SR-22). The SR-22 is usually required for a number of years – for example, five years following a DUI conviction. If the policy holder fails to pay the premiums, the SR-22 is cancelled and an SR-26 is filed with the DMV. When the DMV receives the SR-26, the policy holder’s license is suspended until a new SR-22 is filed.

Roadside Assistance

Emergency Roadside Assistance 24 hours a day. Towing, battery jump, fuel delivery, tire change and more. Our Roadside assistance has a network in the entire continental US and Canada.

Renters Insurance

With Insurance King Renters Insurance, our customers can enjoy peace of mind knowing that their personal property is covered, should an unfortunate loss occur. No credit check needed for our Renters Insurance policy.

Motorcycle Insurance

Insurance King can insure most manufactured motorcycles up to 2,500 cc's. You can quote and buy your own motorcycle insurance online 24 hours a day, or have an Insurance King agent quote your coverage needs for you.

SR-22

An SR-22 is a filing on a person's drivers license number that the Secretary of State monitors through an insurance policy. Failure to pay the insurance by the due date will suspend the person's license that had an SR-22 filed.

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