Non-Owner Car Insurance — Kansas
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
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Kansas Non-Owner Liability Requirements
A non-owner policy provides exactly this liability floor for a driver who owns no vehicle. For drivers who need an SR-22 after a DUI, driving without insurance, or certain other violations, Kansas requires the filing for one year from the conviction date, and a non-owner SR-22 satisfies the requirement without an owned car.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
SR-22 Filing for Non-Owner Drivers
What Shapes Non-Owner Insurance Cost in Kansas
$34/mo
Typical monthly rate in Kansas, non-owner policies
Rate data: Insure.com, 2026
What Affects Your Rate
- Kansas requires SR-22 filing for one year after DUI or driving-without-insurance convictions, and the underlying violation raises non-owner premiums significantly.
- The state's 25/50/25 liability minimum is the baseline for non-owner policies; selecting higher limits increases cost.
- Kansas is a no-fault state requiring PIP on all policies, including non-owner, which adds to the base premium.
- Twelve percent of Kansas motorists are uninsured, making the required uninsured motorist coverage particularly relevant for non-owner drivers.
- Drivers with clean records and no filing requirement pay the lowest non-owner rates; those in the non-standard market after major violations pay the highest.
- Non-owner policies are liability-only and carry no physical-damage deductible, because there is no owned vehicle to repair.
Stay Insured Without Owning a Car
Get My Non-Owner Insurance QuoteIf your license is suspended
Restricted driving privileges (KDOR modification of suspension)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
What does non-owner car insurance cover in Kansas?
A Kansas non-owner policy covers bodily injury and property damage liability when you drive a car you don't own, carrying at least the state's 25/50/25 minimum, plus required PIP and uninsured motorist coverage. It does not cover physical damage to the car you're driving — collision and comprehensive apply only to owned vehicles. Non-owner coverage is secondary and sits behind any policy on the car you're actually driving.
Can I get an SR-22 in Kansas without owning a car?
Yes. Kansas accepts a non-owner SR-22 to satisfy the state's one-year filing requirement after DUI, driving without insurance, or other violations under K.S.A. 40-3118. The carrier files proof of your liability coverage with the Kansas Department of Revenue Division of Vehicles. Eight carriers write non-owner SR-22 in Kansas: Geico, Progressive, Farmers, National General, Dairyland, Bristol West, The General, and USAA.
Which carriers write non-owner insurance in Kansas?
Geico, Progressive, Farmers, National General, Dairyland, Bristol West, The General, and USAA write non-owner policies in Kansas. Among these, all eight can file a non-owner SR-22 if you need one. Travelers also writes non-owner in Kansas but does not file SR-22.
How long does Kansas require SR-22 filing for a DUI?
Kansas requires SR-22 filing for one year after a DUI conviction under K.S.A. 8-1567, measured from the conviction date. A non-owner SR-22 satisfies the requirement if you don't own a vehicle. The filing period is shorter than in most states — many require three years.
Does Kansas non-owner insurance include PIP?
Yes. Kansas is a no-fault state and requires personal injury protection on all auto policies, including non-owner. PIP covers your medical expenses and lost wages after an accident, regardless of who caused it, when you're driving or riding in a car you don't own.
Will a non-owner policy in Kansas cover a rental car?
A Kansas non-owner policy provides liability coverage when you drive a rental car, but it does not cover physical damage to the rental itself — that requires the rental company's collision damage waiver or a separate policy with comprehensive and collision. Non-owner is liability-only because you own no vehicle to insure for physical damage.
Coverage Types
Non-Owner Liability Insurance
Bodily injury and property damage coverage for drivers who own no vehicle. Follows you when driving borrowed, rented, or shared cars.
Non-Owner SR-22 Insurance
Liability coverage with proof-of-insurance filing for drivers who need an SR-22 but own no car. Satisfies Kansas's one-year filing requirement after DUI or driving-without-insurance convictions.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient coverage. Required on all Kansas policies, including non-owner.
Non-Standard Auto Insurance
Coverage for drivers with DUI, major violations, or suspended licenses. Non-owner policies available in the non-standard market for drivers who need SR-22 filing without a car.