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Motorcycle Insurance Minimum Requirements in Kansas

To ride legally in Kansas, you must carry proof of financial responsibility. For most riders this means having motorcycle insurance.

Ways to Establish Financial Responsibility

The state gives you two insurance choices:

Two-Wheeled Vehicles Defined

If you're unclear on whether your bike requires registration (which would then mandate insurance coverage), call the Division of Motor Vehicles (DMV) at (785) 296-3621.

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Kansas Motorcycle Insurance Requirements

In order to fulfill Kansas' motorcycle insurance requirements, you must have liability insurance to help cover costs associated with property damage or bodily injuries suffered by others in a crash for which you are found at fault.

Your motorcycle insurance policy must include the following :

These are just the required minimums. You do have to option of purchasing higher limits at an increased rate. You may find that the higher prices are worth the financial protection. This is especially true if you own assets that can be lost in a lawsuit after an accident.

Before settling on a carrier, take the time to shop around for an affordable rate. Most companies can provide you with a motorcycle insurance quote within minutes.

NOTE: While Personal Injury Protection (PIP) is required for auto owners, it is not required for motorcyclists. If you opt against it, you must submit your decision in writing.

Optional Coverages

Since liability insurance only covers other people's property damage or injuries, you may find that by just meeting the state's requirements you are not getting enough protection out of your motorcycle insurance policy. To expand the reaches of your policy, you might want to consider purchasing optional coverages.

Common types of motorcycle insurance coverage include:

How Coverage Affects Helmet Requirements

There are no insurance discounts for wearing a helmet. As is, helmets are only required for riders under 18.

Acceptable Proof of Insurance Financial Responsibility

Even though carriers are obligated to notify the DMV of your motorcycle insurance status, you still must carry one of the following forms of proof when riding:

Penalties for Failure to Maintain Financial Responsibility

Not having proof of insurance is a misdemeanor. Penalties can include fines, a possible license suspension, and a revoked registration.