Kansas Motorcycle Insurance Requirements

Kansas is a state with diverse landscapes that can offer motorcyclists a range of breathtaking sights.

From the expansive prairies in the west to the lush, rolling hills in the east, there’s no shortage of natural beauty to discover.

The Flint Hills in the eastern region provide an unparalleled experience for motorcycle enthusiasts with stunning views and exhilarating riding opportunities.

Before embarking on any motorcycle journeys within Kansas, riders should be aware of the state’s rules and regulations – and have adequate insurance to cover any accidents and/or damage that may occur.

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Motorcycle insurance is mandatory in the state of Kansas – and in order to meet the state’s requirements you must have: liability coverage; uninsured/underinsured motorist coverage; and P.I.P. (personal injury protection) coverage.

Liability insurance

$25,000 bodily injury liability (per person)
$50,000 bodily injury liability (per accident)
$25,000 property damage liability (per accident)

Uninsured Motorist & Underinsured Motorist insurance

$25,000 for bodily injury (per person)
$50,000 for bodily injury (per accident)

Personal Injury Protection (P.I.P.) insurance

Kansas is a no-fault insurance state, which means that PIP coverage is typically included in auto insurance policies.

PIP provides coverage for medical expenses, lost wages, and other related expenses, regardless of who is at fault in an accident.

$4,500 per person for medical expenses
$4,500 for rehabilitation costs
$900 monthly for one year for work loss
$25 daily for essential services up to a maximum of one year
$2,000 for funeral, burial, or cremation costs
$900 monthly for one year for survivor’s loss

Kansas law allows policyholders to reject PIP coverage in writing.

If you choose to reject PIP coverage, it’s essential to understand the potential financial risks and consequences of not having this coverage in the event of an accident.

Before making a decision, consult with your insurance provider and carefully weigh the pros and cons of rejecting PIP coverage.

For more information on insurance requirements, it’s recommended to consult the Kansas Insurance Department and Kansas Department of Transportation.

Motorcycles & Two-Wheeled Vehicles Defined in Kansas

In Kansas, motorcycles and other two-wheeled vehicles are legally defined as follows:

Motorcycle: A motor vehicle with a seat or saddle for the rider and designed to travel on not more than three wheels in contact with the ground, powered by an internal combustion engine or an electric motor.

Moped: A motor-driven cycle equipped with an engine that has a displacement not exceeding 50 cubic centimeters (3.05 cubic inches), which produces no more than 2 brake horsepower and is incapable of speeds greater than 30 miles per hour on level ground.

Scooter: A two-wheeled vehicle with a motor displacement of 50 cubic centimeters or greater that is unable to reach speeds in excess of 60 miles per hour.

Note: Definitions are based on the Kansas Statutes, Chapter 8 – Automobiles and Other Vehicles.

Insurance Requirements for Smaller Vehicles in Kansas

Most small vehicles in the state of Kansas must meet the same insurance requirements as other vehicles.

This means that liability insurance (bodily injury & property damage) and uninsured/underinsured motorist insurance are required.

P.I.P. coverage is also recommended but can be rejected if desired by the policyholder.

Motorcycles: To legally operate a motorcycle in Kansas, you must have liability insurance coverage regardless of the number of wheels on your motorcycle – as well as uninsured/underinsured motorist coverage.

Mopeds & Scooters: In Kansas, the insurance requirements for mopeds and scooters depend on their engine displacement. If the engine displacement is 50 cubic centimeters or more, then they are subject to the same insurance requirements as motorcycles. However, if the engine displacement is less than 50 cubic centimeters, insurance is not required, but they still must be registered with the state.

Seeking guidance from a trusted insurance provider is recommended when it comes to obtaining coverage for your motorcycle, moped, or scooter – they will assist you and answer any questions you might have.

Common Motorcycle Rules & Regulations in Kansas

Motorcyclists in Kansas should be aware of some essential rules and regulations while riding in the state.

Lane splitting: Kansas prohibits lane splitting, which means driving between lanes of traffic is illegal.
Helmets: Kansas law mandates that motorcycle riders under the age of 18 wear a helmet. However, all riders are encouraged to wear a helmet for safety purposes.
Eye protection: In Kansas, motorcyclists are required to wear eye protection unless their motorcycle has a windshield.
Passengers: Passengers are only permitted on motorcycles that are equipped with a designated seat and footrest for them.
Mirrors & lighting: Motorcycles in Kansas must have at least one rear-view mirror and appropriate lighting, including brake lights, tail lights, and turn signals.
Turn signals: Kansas law mandates that motorcycles have functioning turn signals.
Headlights: A working headlight is required on all motorcycles, and it must be used during both daytime and nighttime hours.
Seat & footrest: Motorcycles in Kansas must have a seat for the rider and a footrest.
License: To operate a motorcycle legally in Kansas, you must have a motorcycle (Class M) endorsement on your driver’s license.

Other Motorcycle Insurance Options in Kansas

Having adequate insurance coverage is crucial for protecting your motorcycle and yourself in case of unforeseen events.

Here are some types of motorcycle insurance coverage available beyond the bare minimums in the state of Kansas.

Collision coverage: This coverage helps with the repair or replacement of your motorcycle if it is damaged or totaled in a collision, providing peace of mind while on the road.
Comprehensive coverage: Going beyond collisions, comprehensive coverage offers financial assistance if your motorcycle is stolen, vandalized, or damaged due to non-collision events like severe weather.
Roadside assistance: When your motorcycle breaks down, roadside assistance coverage can provide lifesaving services such as towing, fuel delivery, and battery jump-starts to get you back on the road quickly and safely.
Custom parts & equipment coverage: This coverage is particularly valuable for riders who have customized their motorcycles, as it helps with the repair or replacement of specialized parts or accessories if they are damaged or stolen.
Medical payments coverage: Medical payments coverage offers financial assistance for medical expenses for you and your passengers in case of an accident, including hospital bills, medical treatment, and lost wages due to time off work. (Usually less necessary if you have P.I.P. coverage.)

Penalties for Motorcyclists without Insurance in Kansas

In Kansas, it is mandatory for all motorists and motorcyclists to carry proof of insurance while driving.

If a law enforcement officer requests proof of insurance during a traffic stop or after an accident, failure to provide it can result in legal penalties.

First Offense: Minimum fine of $300, and potential suspension of driver’s license and registration.
Second Offense: Minimum fine of $800, suspension of driver’s license and registration, and potential impoundment of your vehicle.
Third & Subsequent Offenses: Additional fines and penalties may apply, including suspension of driver’s license and registration, and potential impoundment of your vehicle.

To find out more about the consequences of driving without insurance in Kansas, it is recommended to visit the website of the KS Division of Vehicles, which is part of the Kansas Department of Revenue.

It is important to keep in mind that penalties for driving without insurance in Kansas may vary and could potentially be increased in the future to reflect changes in the economy.

FAQs: Motorcycle Insurance & Rules in Kansas

Here are some helpful answers to common questions regarding motorcycle insurance and regulations in Kansas that all riders should know:

Can you legally lane split in Kansas?

No, lane splitting is not legal in Kansas under Kansas Statutes 8-1595.

Are helmets mandatory for all motorcyclists in Kansas?

Helmets are required for riders under the age of 18 in Kansas, but all riders are strongly encouraged to wear helmets for their safety.

What type of license is needed to legally operate a motorcycle in Kansas?

To legally operate a motorcycle in Kansas, you must have a Class M driver’s license or a motorcycle endorsement on your existing driver’s license.

You can obtain a motorcycle endorsement by passing a written test and completing an approved motorcycle training course, or by passing a skills test.

How can you save money on motorcycle insurance in Kansas?

The easiest way save money on motorcycle insurance is to compare plans and prices from different providers.

After you’ve gotten a plan that you like, you can take advantage of discounts and promotions offered by insurance companies, and consider choosing a higher deductible – these will all help maximize savings.

However, it’s important to ensure that you have adequate coverage for your needs.

Are insurance requirements for scooters and mopeds similar to those for motorcycles in Kansas?

In general, insurance requirements for scooters and mopeds in Kansas are the same as those for motorcycles.

However, it’s always a good idea to consult with an insurance provider to determine what coverage you need based on your specific situation.

What are the penalties for driving a motorcycle without insurance in Kansas?

All motorcyclists and motorists in Kansas are legally required to carry proof of insurance while driving.

Inability to provide proof of insurance upon request from a law enforcement officer may lead to various legal penalties.

Penalties might include: fines, license suspension, impounding of your motorcycle, and more.

What determines the cost of motorcycle insurance in Kansas?

The cost of motorcycle insurance in Kansas can be influenced by several factors, such as the rider’s age, driving history, location, type of motorcycle, and coverage levels.

Other factors that may affect the cost include the deductible amount, credit score, and discounts available through the insurance provider.

Generally, riders with a clean driving record, a higher credit score, and a lower risk of accidents are likely to receive lower insurance rates.

Getting quality motorcycle insurance in Kansas

As a motorcycle rider in Kansas, you need reliable insurance coverage to ensure your safety and financial protection in case of any unexpected events.

To find the right insurance coverage, follow these simple steps.

Start by using the Zip Code search box on this website to compare motorcycle insurance providers in your area, gather quotes, and select the best coverage for your budget and needs.

Once you have secured an insurance policy that meets Kansas state regulations and your personal preferences, you can ride with confidence, knowing you are protected in case of any accidents or damages on the road.