Kansas Teen Driver Insurance for Parents & New Drivers
Kansas requires 25/50/25 liability coverage and is a no-fault state.
Compare Teen Driver Insurance RatesKansas 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
Under Kansas graduated licensing laws, 16-year-olds begin with a restricted license with passenger and nighttime restrictions, progressing to a full license at 17 after completing a 12-month restricted period. Kansas insurers are legally required to offer good student discounts to teen drivers who maintain a B average or higher.
Liability Insurance
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Collision Coverage
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
Find the Right Policy for Your Teen
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
Add to Parent's Policy vs Standalone Coverage
Adding a teen to a parent's existing Kansas policy costs $250–$400/month for ages 16–17, while a standalone full-coverage policy for the same teen driver costs $400–$600/month. The parent's multi-car discount, claims history, and bundled home/auto policies reduce the per-driver cost.
Full Coverage for Financed or Leased Teen Vehicles
Full coverage (liability, collision, comprehensive, UM/UIM, and PIP) is required by lenders in Kansas and recommended for any teen vehicle worth more than $5,000. Teen drivers face collision claim rates 2–3 times higher than adult drivers in their first two years.
Liability-Only for Older, Paid-Off Vehicles
If your teen drives a vehicle worth less than $3,000–$5,000 that's fully paid off, liability-only coverage (meeting Kansas 25/50/25 minimums plus PIP) significantly reduces premiums. You'll pay only for damage your teen causes to others, not repairs to their own vehicle.
Uninsured/Underinsured Motorist Coverage for Teen Drivers
UM/UIM coverage protects your teen when they're hit by a driver with no insurance or insufficient coverage to pay for injuries and damages. This coverage matches your liability limits and adds $15–$40/month to Kansas policies.
Good Student Discount Programs
Kansas law requires all insurers to offer good student discounts to drivers under 25 who maintain a B average (3.0 GPA) or higher. This discount reduces premiums by 10–20%, saving parents $30–$80/month per teen driver.
Telematics and Usage-Based Insurance for New Drivers
Telematics programs track teen driving habits (speed, braking, mileage, nighttime driving) via smartphone app or plug-in device. Safe driving over 90–180 days earns discounts of 15–30%, reducing premiums by $50–$120/month for Kansas teen drivers.