Kansas Teen Driver Insurance: Parent & First-Time Guide
Kansas requires 25/50/25 liability coverage and is a no-fault state.
Free to compare
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
State Requirements
Kansas operates a graduated driver licensing (GDL) system: teens can get a learner's permit at 14, a restricted license at 15, and an unrestricted license at 16 years and 6 months (if they meet certain requirements) or at 17. Kansas law mandates that insurers offer good student discounts to teen drivers who maintain a B average or equivalent, making it one of the state's most accessible rate reduction tools for parents.
Liability Insurance
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$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
Add Your Teen Without Doubling Your Bill
Compare Teen Driver 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
Frequently Asked Questions
What are the Kansas graduated licensing restrictions for teen drivers?
Kansas teens can get a learner's permit at age 14, a restricted license at 15, and an unrestricted license at 16 years and 6 months (if they've completed 50 hours of supervised driving and have no convictions) or at age 17. During the restricted license phase (ages 15–17), teens face passenger limits (no more than one non-family passenger under 18) and a nighttime driving curfew (no driving between 9 PM and 5 AM unless for work, school, or emergencies). These restrictions can slightly reduce insurance premiums because they limit high-risk driving scenarios.
Coverage Types
Liability Insurance
Covers damage and injuries your teen causes to others. Kansas minimums are $25,000/$50,000/$25,000, but most parents increase to $100,000/$300,000/$100,000 or higher.
Collision Coverage
Pays for damage to your teen's vehicle after an at-fault accident, minus your deductible.
Comprehensive Coverage
Covers non-collision damage: theft, hail, vandalism, hitting deer or other animals.
Uninsured Motorist Coverage
Protects your teen when hit by a driver with no insurance or insufficient coverage.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist coverage—the standard package for financed vehicles or newer cars.
SR-22 Insurance
Proof-of-insurance filing required by Kansas after certain violations, including DUI, driving without insurance, or multiple serious offenses.