Kansas is a no-fault auto insurance state, and it requires PIP (Personal Injury Protection) of $4,500 medical + $900/mo disability.
In a no-fault state, your own Personal Injury Protection (PIP) pays your medical bills after a crash regardless of who caused it, and your right to sue the other driver for pain and suffering is limited to serious-injury cases.
Kansas at a glance
Fault system
No-fault
PIP required?
Yes — $4,500 medical + $900/mo disability
UM/UIM in minimum?
Yes — $25,000/$50,000
No-fault state.
Kansas Fault System — FAQ
Is Kansas a no-fault state?
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Kansas is a no-fault auto insurance state, and it requires PIP (Personal Injury Protection) of $4,500 medical + $900/mo disability. In a no-fault state, your own Personal Injury Protection (PIP) pays your medical bills after a crash regardless of who caused it, and your right to sue the other driver for pain and suffering is limited to serious-injury cases. No-fault state.
Does Kansas require PIP or uninsured-motorist coverage?
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Kansas prescribes Personal Injury Protection (PIP) of $4,500 medical + $900/mo disability as part of its minimum coverage. Uninsured/underinsured motorist bodily-injury coverage of $25,000/$50,000 is part of the state minimum.
Why does it matter whether Kansas is no-fault or at-fault?
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It changes who pays and whether you can sue. In a no-fault state your own PIP pays your medical costs first and lawsuits are limited to serious injuries; in an at-fault state the at-fault driver's liability insurance pays and you keep the full right to sue. This affects which coverages you should carry. This is general information, not legal advice — confirm specifics with the Kansas Department of Insurance or a licensed attorney.
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Sarah Mitchell
Editorial Lead, Property & Casualty
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed July 2026
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