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Kansas Motorcycle Insurance Requirements

Kansas Motorcycle Insurance Requirements

Kansas is located in the Midwestern region of the United States. It was named in honor of the Native American tribe “Kansa” which lived in this area. In its earliest days, Kansas was inhabited by a number of indigenous tribes throughout the villages and river valleys. In its earliest days, Kansas was considered a place of high violence as individuals fought against slavery. When the fighting subsided, the population grew and the economy improved.

The economy in the state of Kansas is heavily involved in agriculture – specifically producing sunflowers, sorghum, and wheat. This state is known as “The Sunflower State” due to its significant harvesting of the plant. It is also unofficially regarded as “The Wheat State” as well as the “Jayhawker State.” If you live in Kansas and plan on riding your motorcycle, do you know all the legal requirements that must be met? In order to legally operate any two-wheeled vehicle in Kansas, you must first establish financial responsibility.

Kansas Motorcycle Insurance Requirements

The requirements for financial responsibility differ from state to state. However, in every state, you are required to reimburse others for damages that you cause in the event of an accident. Financial responsibility is just fancy legal jargon meaning that you need money available to cover any potential damages that may occur while you drive your motorcycle.

How to Establish Financial Responsibility in Kansas

Many states require that you have some sort of insurance coverage to operate a vehicle – Kansas is no different. In the state of Kansas you must either purchase a liability policy from a licensed insurance company OR you must insure yourself. Not everyone will qualify for the self-insurance option, so most people opt to buy a liability policy that meets state requirements.

  • Liability Insurance – Any licensed insurance company will be able to provide you with a liability policy that meets required coverage criteria.
  • Self-Insurance – If you would rather go the self-insurance route, you can contact the Kansas Insurance Department and set up a policy. Call the KS Insurance Dept. at the following number for additional information: (800)-432-2484.

Motorcycles / Two-Wheeled Vehicles Defined

If you do not know what the exact classification of your bike, you can read up on some definitions below. If you are still unsure about the type of vehicle that you own, you can contact the Kansas DMV at the following number: (785)-295-3621. They have experts around that are trained to help you classify your vehicle as well as advise various legal recommendations.

Motorcycle:  Any motor vehicle with a seat or saddle designed for the driver that travels on not more than 3 wheels in contact with the ground. The definition excludes tractors.

Motor-Driven Cycle:  These include all motorcycles and motorized scooters that do not exceed 5-brake horsepower. This definition also applies to bicycles with attached motors but NOT motorized bicycles or electric-powered bikes.

Motorized Bicycle:  Any device that has 2 tandem wheels or 3 wheels which may be propelled by human power, a helper motor, or both. These must NOT have motors exceeding 3.5-brake horsepower or have a cylinder capacity over 130 cc. These must also NOT exceed 30 mph.

Kansas Motorcycle Insurance Minimum Requirements

Below are the minimum amounts of liability insurance that you are required to have on your motorcycle policy while riding through Kansas. As you can see, you are required to have uninsured motorist coverage in addition to the liability requirements.

Liability Insurance:

  • $25,000 bodily injury per person

  • $50,000 bodily injury per accident

  • $10,000 property damage per accident

Uninsured Motorist:

  • $25,000 per person

  • $50,000 per accident

Note: Although Personal Injury Protection (PIP) is mandatory for Kansas car insurance requirements, it is optional for motorcycle coverage.

When shopping for insurance, it is important to understand that the above amounts are the minimums. The minimums may not be enough financial protection in the event of a severe accident. You may want to speak with your provider to determine whether it would be smart to increase your coverage limits. It is always better to have a little extra coverage than lack sufficient coverage and end up paying thousands of dollars out-of-pocket.

Kansas Laws: Safety & Licensing Requirements

Now that you know the minimum insurance requirements for motorcyclists, you should also keep in mind some of the safety laws. It is important to know the type of license you need as well as whether you need to wear a helmet, eye protection, etc.

  • Helmets – All individuals under the age of 18 are required to wear helmets while operating a motorcycle. Passengers under the age of 18 also must wear a helmet. All helmets must be in compliance with FMVSS 218.
  • Eye Protection – Every motorcyclist must have some form of eye protection unless their motorcycle has a windshield of at least 10 inches in vertical height.
  • Licensing – To legally operate your motorcycle, you must get either a Class M license OR an “M” endorsement on your driver’s license. Note: If you have already completed an official motorcycle rider safety course, you may not be required to take the skills test.

Proof of Insurance in KS

While driving your motorcycle in the state of Kansas, it is important to make sure that you always carry proof of insurance. Although your insurance provider is required to keep the Kansas DMV updated on the status of your insurance, you still need to have some sort of insurance poof while driving. Failure to show proof could get you in serious legal trouble.

  • Insurance ID – Most insurance companies issue an insurance identification slip or card. Keep this with you at all times while driving to be prepared.
  • Certificate – If you are self-insured, you should be issued a certificate proving that you have a legal insurance policy for the state of Kansas.

Penalty for Lack of Insurance in KS

If a police officer pulls you over and asks to see insurance, but you don’t have proof, you can get into trouble. There are penalties that you must face anytime you are caught without proof of coverage. To avoid these penalties, your best bet is to simply make sure you always have a valid insurance policy and some sort of proof with you when you drive. No proof of insurance is considered a Class B Misdemeanor in the state of Kansas.

1st Offense:

  • Fine: You will be fined up to $1,000.
  • Jail Time: If you don’t pay this fine, you will be sentenced to a 6 month term in jail.

2nd Offense:

  • Fine: You will be fined up to $2,500.
  • Jail Time: Failure to pay this fine will result in additional jail time.
  • License Suspension: Your license will be suspended for a lengthy period of time.
  • Registration Revoked: Your vehicle registration will be revoked. To get it reinstated you will have to pay additional fees.

Note: A second offense is considered any offense that occurs within 3 years of your initial offense.

Kansas Motorcycle Insurance Companies

In order to get the best possible deal on insurance, you need to collect and compare quotes from various insurance providers in your area. To make your search easier, use the form below (or at the top of the page) to enter your Zip Code. Once you have entered your Zip Code and clicked “Start!” you will notice a list of the top providers based on your specific location.

Go through the companies on the list and gather some quotes to find out the insurers that are offering the best deals on motorcycle coverage. Compare cost in proportion to the amount of coverage that you will be getting. Once you have settled on a provider, you can get a policy and cruise through the home of the Jayhawkers.

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