Kansas Teen Driver Insurance for Parents & New Drivers
Kansas requires 25/50/25 liability coverage and is a no-fault state.
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Kansas at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
14
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Kansas
Teen drivers in Kansas progress through a graduated licensing system: learner's permit at 14, restricted license at 15, intermediate license at 16 with passenger and nighttime restrictions, and unrestricted license at 17 if no violations. Kansas does not legally mandate the good student discount, but most insurers offer it voluntarily, and parents should ask about it explicitly when adding a teen driver.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Collision and Comprehensive Coverage
What Drivers Pay in Kansas
$232–$393/mo
Typical monthly rate in Kansas, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
What Affects Your Rate
- Parents must request this discount and provide proof of grades.
- Some carriers require the course to be completed within the last 3 years.
- Parents should confirm whether the discount is immediate or earned over time.
- Vehicles with high safety ratings and low theft rates (Honda Civic, Toyota Camry) typically cost less to insure.
- Add-to-parent vs. separate policy: Adding a teen to an existing parent policy in Kansas is almost always cheaper than a standalone teen policy.
- Graduated licensing stage: Teens with a learner's permit under supervised driving may qualify for lower initial rates than those with a restricted license driving independently. Once the teen reaches an unrestricted license at 17, some carriers adjust the rate downward if no violations occurred during the restricted period.
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
9pm-5am
Passengers
no more than 1 passenger younger than 18
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Covers bodily injury and property damage your teen driver causes to others. Kansas minimums are 25/50/25, but most parents raising a teen driver increase liability limits to 100/300/100 to protect household assets from lawsuits.
Collision Coverage
Pays to repair or replace your teen's vehicle after a crash, regardless of fault. For a teen driving a financed or leased car, this is required by the lender. For a paid-off car worth less than $4,000, many parents skip it and self-insure.
Comprehensive Coverage
Covers non-collision damage to your teen's vehicle: theft, vandalism, hail, hitting a deer. Kansas has a high rate of deer-vehicle collisions, particularly in rural counties, making comprehensive coverage more relevant than in many other states.
Full Coverage for Teen Drivers
Combines liability, collision, and comprehensive. This is the standard package for a teen driving a financed or newer vehicle. For a 16-year-old driver in Kansas, full coverage on a parent's policy typically adds $200–$350/mo to the total premium.
Uninsured/Underinsured Motorist Coverage
Protects your teen and your family if the teen is hit by a driver with no insurance or insufficient coverage. Kansas law requires this be offered; you can reject it in writing, but most parents accept it.
Personal Injury Protection (PIP)
Kansas is a no-fault state and requires PIP coverage of at least $4,500 to pay medical expenses for you and your passengers regardless of fault. Many parents increase PIP to $10,000 or more to cover emergency care if their teen is injured.