Kansas motorcycle insurance

Q: What's the best motorcycle insurance in Kansas?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Wichita, Topeka, Overland Park, or anywhere else in the Sunflower State, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Kansas for bikers without eliminating the protection you value.

Kansas is home to a tight-knit motorcycle community with motorcycle events and museums throughout the state. Progressive supports the motorcycle community in the Sunflower State with customized coverages and easy discounts for affordable policies. Find out everything you need to know about motorcycle insurance in Kansas.

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What are the minimum requirements for motorcycle insurance in Kansas?

Kansas motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and damage you cause to others or their property while riding up to your policy's limits. Property damage liability coverage, however, doesn't cover your bike. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.

Motorcycle riders in Kansas are also required to carry uninsured/underinsured motorist bodily injury coverage, which may cover medical costs to you and your passengers if you're hit by someone who is uninsured or underinsured and they're determined to be at-fault for the accident.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamage you cause to others in an accident	Minimum amount$25,000 per accident
Uninsured/underinsured motorist bodily injury	What it coversInjuries you and your passengers suffer in an accident and the at-fault motorist has no insurance or not enough coverage	Minimum amount$25,000 per person $50,000 per accident

Kansas also mandates personal injury protection (PIP), but you may reject or lower this coverage by submitting a signed form if you choose not to carry it.

Do you need comprehensive and collision coverage?

Unless you're financing or leasing your bike, comprehensive motorcycle coverage and collision motorcycle coverage are both optional. However, if you're like many motorcycle owners, you're consistently investing in your motorcycle and you may want to protect your bike against physical damage and loss. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Kansas?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Kansas with liability coverage only was $180.24.^* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Kansas?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Wichita, Topeka, Overland Park, or anywhere else in the Sunflower State, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Kansas for bikers without eliminating the protection you value.

You can decrease the cost of motorcycle insurance in Kansas with motorcycle insurance discounts, such as:

Multi-policy discount
Association membership discount
Motorcycle license/endorsement discount
Safety course discount
Responsible driver discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Kansas

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Kansas

The Kansas DOT states that you must supplement your driver's license with a motorcycle license endorsement to operate a motorcycle legally.
To earn the required endorsement, you must pass written and on-cycle skills tests administered by the Kansas Department of Revenue.
Lane splitting is not legal in Kansas. Motorcycles, however, are permitted to ride two abreast in a single lane of traffic.