About $362 a month
Commercial auto in Kansas
Insureon average for Kansas customers, updated March 2026
Kansas · state requirements
Commercial auto insurance in Kansas
For Kansas contractors, delivery businesses and truckers: the no-fault coverage every work vehicle must carry, KCC filing rules, penalties for a lapse and what businesses pay.
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What similar businesses pay
- Commercial auto in Kansas
- About $362 a month
- Commercial auto nationally
- About $245 a month
- Deer or animal-strike claim
- Almost $7,900 per claim
Published benchmarks, not quotes. Your price depends on underwriting.
Cost
What commercial auto insurance in Kansas costs
About $245 a month
Commercial auto nationally
Insureon average across all customers, 2026
Almost $7,900 per claim
Deer or animal-strike claim
AAA Kansas average animal-strike claim in Kansas, 2025
Insureon reports that its Kansas customers pay an average of $362 a month, or $4,343 a year, for commercial auto (updated March 2026). That is above the $245 a month Insureon reports across all its customers, whose annual premiums run from $350 to more than $16,500. Most of those buyers have fewer than five employees, so a contractor with one or two pickups should expect a figure in that range, while heavy trucks with KCC or federal filings cost far more. Physical damage adds to the bill in Kansas: AAA Kansas says the average animal-strike claim in the state was almost $7,900 in 2025, up 42% in five years.
What moves your price
- Where each vehicle is garaged; Insureon names Wichita and Kansas City as rating locations
- Vehicle type, weight and value, and whether it is financed
- Liability and UM/UIM limits above the 25/50/25 floor
- Each driver’s motor vehicle record
- Radius of operation and whether you hold KCC or federal authority
- Rural highway miles, which raise deer exposure for comprehensive
- Claims history and the deductibles you choose
Kansas
What’s different in Kansas
25/50/25 plus PIP is the floor on every vehicle
K.S.A. 40-3107 requires $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage, plus personal injury protection. A serious crash with a loaded work truck can run past those limits, leaving your business to pay the rest.
No-fault PIP pays first, after workers’ comp
Kansas PIP pays injured people regardless of fault: at least $4,500 in medical bills, $900 a month in lost income for up to a year and $4,500 for rehabilitation (K.S.A. 40-3103). Under K.S.A. 40-3110, workers’ comp benefits are credited first, so an employee hurt driving for you is mainly a comp claim.
A $2,000 medical bill opens the door to a lawsuit
Under K.S.A. 40-3117, an injured person can sue for pain and suffering once medical treatment reaches a reasonable value of $2,000, or after a fracture of a weight-bearing bone, permanent injury, disfigurement or death. That threshold is low, so serious crashes involving your vehicles usually end up as liability claims.
One uninsured crash can pull every registration you hold
If an uninsured vehicle is in a reportable accident, K.S.A. 40-3104 has the state suspend the driver’s and owner’s licenses and revoke the registration of all vehicles the owner has. Reinstatement takes proof of insurance, resolving the claim and a $100 fee, or $300 after a prior revocation within a year.
At 50% fault, you collect nothing
K.S.A. 60-258a lets you recover only if your fault is less than that of the party you are claiming against, and any award is cut by your share. Each defendant generally pays only its own percentage, so dashcam footage and driver statements carry real weight.
Deer crashes peak in November
KDOT reports that 39% of single-vehicle crashes in 2024 involved a deer, killing 5 people and injuring 674, with November usually the peak. Crashes with injury or $1,000 or more in property damage must be reported to law enforcement.
Coverage
Coverage Kansas businesses need
Commercial auto liability
Pays for injuries and property damage your vehicles cause to others. Kansas requires at least 25/50/25, and contracts or KCC authority often call for more.
How commercial auto works →Personal injury protection
Required on every Kansas policy. Pays medical bills, lost income, rehabilitation, essential services at $25 a day and funeral costs up to $2,000 for people hurt in or struck by your vehicle.
How commercial auto works →Uninsured and underinsured motorist
Pays your drivers when the at-fault driver has no or too little insurance. The Kansas Insurance Department cites an Insurance Information Institute estimate that about 8% of registered vehicles are uninsured.
How commercial auto works →Physical damage
Collision and comprehensive for your own vehicles. Comprehensive generally handles deer strikes, which AAA Kansas says averaged almost $7,900 a claim in 2025.
How commercial auto works →Workers’ compensation
K.S.A. 40-3107 lets auto insurers exclude injuries to your own employees and fellow workers, so comp is what covers a driver hurt on the job.
How workers’ compensation works →Motor truck cargo
Kansas allows auto liability to exclude damage to property you transport, so haulers need a separate cargo policy for the load.
Umbrella or excess
Adds limits above your auto liability when a customer, lender or contract asks for more than your primary policy carries.
How umbrella / excess works →Rules
Kansas requirements
Kansas is a no-fault state. Every Kansas-registered vehicle needs liability, PIP and uninsured motorist coverage, and carriers with Kansas Corporation Commission authority must file higher limits.
| Requirement | Applies to | What it means |
|---|---|---|
| Minimum liability | Every vehicle owned and registered in Kansas | $25,000 per person and $50,000 per accident for bodily injury, $25,000 for property damage, under K.S.A. 40-3107(e). |
| Personal injury protection | Every Kansas auto liability policy | At least $4,500 medical, $900 a month disability for one year, $4,500 rehabilitation, $25 a day for services up to 365 days and $2,000 funeral, per K.S.A. 40-3103 and 40-3107(f). |
| Uninsured and underinsured motorist | Policies on vehicles registered or principally garaged in Kansas | Must match your bodily injury limits; you may reject only the amount above 25/50, in writing, under K.S.A. 40-284. UIM is included in the UM coverage. |
| Proof on demand | Anyone driving on a Kansas highway or public property | Show proof of insurance to an officer on request, on paper or a phone, under K.S.A. 40-3104(d). |
| Driving or allowing an uninsured vehicle | Owners and drivers | Class B misdemeanor: $300 to $1,000 fine, up to 6 months in jail or both; a repeat within 3 years is a class A misdemeanor with a $800 to $2,500 fine, per K.S.A. 40-3104(g). |
| KCC operating authority insurance | Public carriers and private carriers that need a KCC certificate, permit or license | At least $100,000 per person, $300,000 per accident and $50,000 property damage under K.S.A. 66-1,128. The insurer files Form E electronically; the KCC does not accept ACORD certificates. |
| KCC filings and cancellations | Intrastate carriers with KCC authority | Cancellation goes to the KCC on Form K (K.A.R. 82-4-23 and 82-4-24a), and a resident carrier’s policy must be from an insurer authorized in Kansas (K.S.A. 66-1,128). |
| Federal minimum liability | For-hire interstate property carriers at 10,001 lb or more | $750,000 for nonhazardous property under 49 CFR 387.9, with higher floors of $1 million to $5 million for hazardous materials, as summarized by the KCC. |
| Self-insurance | Owners with more than 25 vehicles registered in Kansas | May self-insure with a certificate from the Commissioner of Insurance under K.S.A. 40-3104(f). |
Compare commercial auto options in Kansas.
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Pay less
How to lower the cost
- Price UM/UIM at your full limits before signing a rejection: under K.S.A. 40-284, a rejection carries over to renewals with the same insurer until you ask in writing to restore it.
- Keep every vehicle continuously insured; one uninsured crash can revoke all your registrations and cost $100 to $300 to reinstate under K.S.A. 40-3104.
- Check drivers’ Kansas motor vehicle records, which the KCC notes can be searched online, before they drive for you.
- Coach drivers to brake firmly and stay in their lane for deer, as the Kansas Highway Patrol advises, and set comprehensive deductibles you can afford in the fall.
- Attend a free KCC safety seminar; it is required before authority is granted and inadequate insurance is an automatic safety audit failure.
- Compare quotes at renewal; Florin is an independent broker that compares options from several insurers.
Before you start
What underwriters ask for
- Vehicle list with VINs, weights, values and garaging addresses
- Driver list with license numbers and dates of birth
- USDOT and KCC numbers, if you have them
- Current declarations page showing PIP and UM/UIM limits and any signed UM rejection
- Loss runs from your current and prior insurers
- What the vehicles do: radius, what you haul, any passengers
- Limits and additional insureds your customers require on certificates
Common questions
Commercial auto insurance in Kansas: questions
Is Kansas a no-fault state for business vehicles?
Yes. Every Kansas policy must include PIP, which pays injured people regardless of fault. Lawsuits for pain and suffering are allowed once medical treatment reaches $2,000 or the injury is serious, under K.S.A. 40-3117.
Does PIP cover my employees hurt in a company vehicle?
Workers’ comp comes first. K.S.A. 40-3110 credits workers’ comp benefits against PIP, and Kansas lets auto insurers exclude injuries to your own employees.
Can I drop uninsured motorist coverage in Kansas?
Only the part above 25/50. K.S.A. 40-284 requires UM/UIM equal to your bodily injury limits, and you may reject the excess over the state minimum in writing.
What liability limits does the KCC require for intrastate trucking?
At least $100,000 per person, $300,000 per accident and $50,000 for property damage under K.S.A. 66-1,128. Your insurer files Form E electronically; the KCC says it cannot accept ACORD forms.
What happens if my uninsured work vehicle is in a crash?
The state can suspend the driver’s and owner’s licenses and revoke the registration of every vehicle the owner has, under K.S.A. 40-3104. You also face a misdemeanor charge with a fine of $300 to $1,000.
Will my personal auto policy cover carrying passengers for pay?
Often not. K.S.A. 40-3107 lets insurers exclude vehicles rented to others or used to carry people for a charge, other than share-the-expense rides.
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Sources (16)
- Kansas Revisor of Statutes: K.S.A. 40-3107, required policy contents
- Kansas Revisor of Statutes: K.S.A. 40-3103, PIP definitions
- Kansas Revisor of Statutes: K.S.A. 40-284, uninsured and underinsured motorist
- Kansas Revisor of Statutes: K.S.A. 40-3104, penalties and self-insurance
- Kansas Revisor of Statutes: K.S.A. 40-3110, PIP primary status
- Justia: K.S.A. 40-3117, tort threshold (2024)
- Kansas Legislature: K.S.A. 60-258a, comparative negligence (2024)
- Kansas Revisor of Statutes: K.S.A. 66-1,128, motor carrier insurance
- Kansas Corporation Commission: transportation FAQs
- Kansas Corporation Commission: motor carrier regulations (2019)
- Kansas Corporation Commission: procedures for safety compliance (April 2023)
- Kansas Insurance Department: Commissioner testimony to Senate committee (March 2025)
- Insureon: commercial auto insurance in Kansas (updated March 2026)
- Insureon: best commercial auto insurance for small businesses (2026)
- KAKE: Kansas agencies warn of increase in deer crashes (KDOT data, October 2025)
- Yahoo News: deer rut arrives in Kansas (KDOT and AAA Kansas figures, 2026)
Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated November 2026.