Car insurance in Kansas (25/50/25)
- Minimum car insuranceKansas requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. PIP is also required, including at least $4,500 per person for medical expenses. Uninsured/underinsured motorist coverage is mandatory at least at the 25/50 minimum; only coverage above the minimum can be rejected in writing. Source
- Fault systemKansas is a no-fault state: your own PIP pays medical and wage losses first, and you can sue the other driver for pain and suffering only if medical treatment reaches $2,000 or the injury is serious (for example a qualifying fracture, permanent injury or death). Source
Business insurance rules in Kansas
- Workers’ compensationMost employers must provide workers' compensation, but an employer whose total gross annual payroll was $20,000 or less in the prior year (and is expected to stay at or below that) is exempt. Payroll paid to family members does not count toward the $20,000. Agricultural pursuits are exempt. Kansas is not monopolistic and does not allow opting out. Source
- Contractor licensingKansas has no statewide general contractor license, but roofing contractors must register with the Attorney General. Roofing registration requires a certificate of liability insurance of at least $500,000 and proof of workers' compensation coverage or an affidavit of exemption. Source
Home insurance in Kansas
- Home insurer of last resortKansas law provides a FAIR (fair access to insurance requirements) plan, funded by member insurers, for property owners who cannot get basic property coverage in the voluntary market. Hail, high wind and tornadoes are the main catastrophe exposure for Kansas homes. Source
Disasters, floods, hail, tornadoes and earthquakes in Kansas
| Measure | Kansas | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 50 | #3 of 51 | Most often for severe storm (43), snowstorm (3), severe ice storm (2). Edwards County has been in 21 of them. |
| National Flood Insurance Program claims, 2005–2025 | 2,686 | #36 of 51 | $62.5 million paid; 35% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 14% | #43 of 50 | 3,288 policies for 23,472 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 7,353 | #2 of 51 | 838 of them 2 inches or larger. Largest stone 5 inches, Ford County, May 2016. |
| Tornadoes, 2016–2025 | 554 | #8 of 51 | 53 rated EF2 or stronger; 4,610 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 12 | #15 of 51 | Largest: magnitude 4.9, 4 km ENE of Milan, Kansas, November 12, 2014. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Kansas.
The property risks that matter in Kansas
Kansas sits in Tornado Alley and sees frequent large hail, which drives many homeowners policies to percentage wind/hail deductibles.
Tornado and straight-line wind damage is generally covered by homeowners policies as windstorm, but many Kansas policies now apply a separate wind/hail deductible. Know the dollar amount before spring storm season.
Large hail regularly damages roofs, siding and vehicles in Kansas. Comprehensive coverage handles hail on your car; on your home, check the roof settlement terms and any cosmetic-damage exclusion.
Worth knowing in Kansas
Kansas combines no-fault PIP with mandatory uninsured motorist coverage that cannot be rejected below the 25/50 minimum, so every Kansas auto policy carries liability, PIP and UM together.
Before your next Kansas renewal
- Compare your auto liability limits with the Kansas minimum of 25/50/25 and with your actual assets.
- Confirm whether your wind/hail deductible is a flat amount or a percentage.
- Read the roof settlement clause and ask whether Class 4 impact-resistant shingles earn a credit.
- Add water backup coverage and keep heat on when the home is empty.
- Keep a current home inventory stored off-site.
Kansas’s insurance regulator
Insurance in Kansas is regulated by the Kansas Insurance Department, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a Kansas nonresident insurance producer license (NPN 21022298) and places Kansas policies directly.
Common questions
What is the minimum car insurance in Kansas?
Kansas requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. PIP is also required, including at least $4,500 per person for medical expenses. Uninsured/underinsured motorist coverage is mandatory at least at the 25/50 minimum; only coverage above the minimum can be rejected in writing.
Is Kansas a no-fault state?
Kansas is a no-fault state: your own PIP pays medical and wage losses first, and you can sue the other driver for pain and suffering only if medical treatment reaches $2,000 or the injury is serious (for example a qualifying fracture, permanent injury or death).
Do employers in Kansas need workers’ comp?
Most employers must provide workers' compensation, but an employer whose total gross annual payroll was $20,000 or less in the prior year (and is expected to stay at or below that) is exempt. Payroll paid to family members does not count toward the $20,000. Agricultural pursuits are exempt. Kansas is not monopolistic and does not allow opting out.
What can a Kansas homeowner do if no insurer will write the house?
Kansas law provides a FAIR (fair access to insurance requirements) plan, funded by member insurers, for property owners who cannot get basic property coverage in the voluntary market. Hail, high wind and tornadoes are the main catastrophe exposure for Kansas homes.
Are tornadoes covered by homeowners insurance in Kansas?
Yes, as windstorm damage, subject to your deductible, which may be a separate wind/hail deductible.
Will my Kansas policy pay to replace a hail-damaged roof?
It depends on the roof settlement terms. Some policies pay replacement cost; others pay actual cash value on older roofs or exclude cosmetic damage.
More answers: Kansas homeowners insurance guide Kansas renters insurance and security deposit guide Kansas life insurance consumer guide Kansas flood risk and NFIP guide Wichita home and auto insurance guide Overland Park home and auto insurance guide
Sources
- Kansas: Minimum car insurance
- Kansas: Fault system
- Kansas: Workers’ compensation
- Kansas: Home insurer of last resort
- Kansas: Contractor licensing
- Kansas: insurance regulator
- NAIC: directory of state insurance departments
General information as of October 2026, not legal advice; confirm current rules with the agency.