Motorcycle Insurance for Kansas
Kansas motorcycle insurance for riders who know the roads.
From the Flint Hills National Scenic Byway on K-177 to the Gypsum Hills on U.S. 160, Roamly works with carriers who understand how Kansans actually ride.
Kansas at a Glance
Requirement | Details |
|---|---|
Minimum liability | 25/50/25 ($25k bodily injury per person, $50k per accident, $25k property damage) for policies issued or renewed since January 1, 2017. Uninsured/underinsured motorist coverage of at least 25/50 is required. |
Helmet law | Required for operators and passengers under 18. Operators need glasses, goggles, or a face shield unless the windscreen is at least 10 inches tall, measured from the center of the handlebars. |
Lane splitting | Illegal. Kansas law bars riding between lanes of traffic or between rows of vehicles. Two motorcycles may ride side by side in one lane. |
Registration | No safety inspection and no emissions testing, though bikes coming from out of state need a VIN inspection before their first Kansas title. As of September 2026, the state motorcycle registration fee is 16(30 for all-electric motorcycles) plus county fees, and you'll need proof of insurance to register or renew. |
Requirements and regulations may change. Verify with the Kansas Department of Insurance and the Kansas Department of Revenue Division of Vehicles for the most current information.
What you need to know about Motorcycle Insurance in Kansas
Kansas is a no-fault state that lets motorcycle owners turn down PIP, requires uninsured/underinsured motorist coverage on every policy, and leaves helmets up to riders 18 and older. Here's what actually shapes your policy.
Kansas's 25/50/25 Minimum
The state requires 25k/50k bodily injury and $25k property damage — the property damage minimum rose from $10k for policies issued or renewed since January 1, 2017. You also need uninsured/underinsured motorist coverage of at least 25k/50k; only coverage above that can be rejected in writing. We'll help you figure out what makes sense for how you ride.
Agreed Value for Custom Builds
Your Street Glide with the stretched bags and custom paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.
Peer-to-Peer Rental Coverage
Riders come for the Flint Hills and the big-sky roads along K-177. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.
SR-22 Filing When Needed
If you're convicted of a serious violation like DUI, the Kansas Division of Vehicles requires your insurer to keep proof of insurance on file for one year. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like out in the Flint Hills on K-177, miles from the next town. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — even where Kansas makes the helmet optional, good gear isn't cheap to replace. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. |
Rent Your Bike Without Losing Coverage
The Flint Hills and the Gypsum Hills draw riders who want big skies and empty roads, and a bike can do more than sit in the garage between your own rides. Listing yours on Twisted Road or Riders Share can help it earn its keep, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.
What Kansas Actually Requires
Kansas mandates 25/50/25 liability coverage plus uninsured/underinsured motorist coverage. That's $25k per person and $50k per accident for bodily injury and $25k for property damage, plus at least 25k/50k of uninsured/underinsured motorist coverage. Kansas is a no-fault state, and PIP is part of a Kansas policy — but a motorcycle owner can reject PIP in writing for injuries while riding. Riders under 18 need a helmet, and operators need eye protection unless the windscreen is tall enough. The minimums keep you legal, but they won't go far if you total someone else's Road Glide or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Kansas law references current as of September 2026 — confirm current requirements with the Kansas Department of Insurance and the Kansas Department of Revenue Division of Vehicles.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Kansas requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident is also required. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Kansas Department of Insurance.
Only if you're under 18. Operators and passengers under 18 need a helmet that meets the federal DOT standard, and passengers under 18 also need eye protection. Every operator needs shatterproof glasses, goggles, or a face shield unless the bike has a windscreen at least 10 inches tall, measured from the center of the handlebars.
It depends on your bike, riding history, where you live, and the coverage you pick. Keeping or rejecting PIP, your uninsured/underinsured motorist limits, and whether you add collision or comprehensive will change the price. Get a personalized quote to find out your rate.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.
Liability plus uninsured/underinsured motorist coverage is what Kansas requires — liability pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or hail. If you're financing, your lender will likely require both.
An SR-22 is proof, filed by your insurer with the Kansas Department of Revenue Division of Vehicles, that you carry at least the minimum coverage. After a conviction for a serious violation like DUI or driving while suspended, Kansas requires it to stay on file for one year. Riding uninsured can also bring a fine of $300 to $1,000 on a first offense. Roamly works with carriers that file SR-22s and can help you keep it active. Coverage terms, conditions, and availability vary by state and policy.
It can. Kansas's credit law expressly covers motorcycle policies: insurers can't deny, cancel, or non-renew solely on credit or base renewal rates only on credit, and medical collections can't count against you. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.
Not necessarily. Kansas is a no-fault state, and PIP is mandatory on car policies, but a motorcycle owner who's the named insured can reject PIP in writing for injuries while riding. Rejecting it doesn't make your bike uninsured, but it does mean your own medical bills after a crash would come from health insurance, medical payments coverage, or a claim against the at-fault driver. We can help you weigh it.
Still have questions?
Call us at 877.725.1245
Kansas Motorcycle Insurance Quotes in Minutes
Kansas motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
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