Motorcycle Insurance

Why Get Motorcycle Insurance in Kansas
Motorcycles generally are subjected to the same insurance standards as automobiles. Nearly every state, including Kansas, requires motorcycle owners to purchase and maintain a minimum amount of liability coverage to legally operate their vehicles on the road. Adequate motorcycle insurance protects owners by paying for any property damage and resulting medical expenses if there is ever an accident. In addition, motorcycle insurance can protect you and your vehicle from damages incurred from disasters, natural or otherwise, such as theft, vandalism, flood, fire, or falling objects. Don’t risk personal and financial disaster by driving without the proper motorcycle insurance coverage. It’s just not worth it!

Motorcycle Riding in Kansas
Under Kansas law, a motorcycle is defined as any traveling motor vehicle with a seat or saddle for the rider and no more than three wheels touching the ground. Tractors are exempt from this rule.

Here is the list of motorcycle registration requirements in the state of Kansas:

  1. Manufacturer’s statement of origin or title signed and notarized
  2. Odometer disclosure statement
  3. Proof of insurance
  4. Sales tax receipt if purchased from a dealer
  5. Proof of payment of personal property taxes
  6. Signed title and registration application
  7. Title fee of $10

To ensure that Kansas motorcyclists know the safety rules and regulations, state funded motorcycle safety courses are offered to all applicants who want to receive a motorcycle operator’s license (M). Completion of this course is a requirement in order to apply for a license in Kansas. Procurement of a license requires passing both the knowledge test and an actual motorcycle driving test.

Motorcycle License Requirements

  • Kansas Driver’s license
  • Vision test
  • Motorcycle written and skills test
  • Application Fees for Class M License:
    • $9 for four years validity
    • $12.50 for six years validity

Minimum Insurance Requirements in Kansas
Kansas’ state law requires all motorcycle riders to purchase and retain liability insurance coverage with at least the following minimum amounts:

  • $25,000 for bodily injury of one person
  • $50,000 for bodily injury of all injured parties
  • $10,000 for property damage in one accident

There are two ways to obtain insurance:

  • Buy a policy with liability coverage
  • Self-insurance

Kansas Motorcycle-specific Laws
It is always important to follow the laws as directed by the state of Kansas regarding motorcycles and all other types of motor vehicles. Failure to obey these existing laws may result in higher motorcycle insurance premiums, and in extreme cases, the revocation of your license. Listed below are the motorcycle-specific laws in Kansas:

  • Wear safety helmets approved by the public safety commissioner (less than 18 years of age).
  • Eye protection is required except for motorcycles with windscreens.
  • Daytime use of headlights is required for all motorcycles manufactured on or after 1/1/1978.
  • If carrying a passenger, a passenger seat and footrest are required.
  • Turn signals are required on all motorcycles manufactured on or after 1/1/1973.
  • A muffler is required (cutouts and bypasses are prohibited).
  • A left side mirror is required.
  • Two motorcyclists are allowed to operate abreast in the same lane.
  • Lane splitting is not allowed.

If you are driving outside of the state Kansas, you are expected to follow the rules and regulations of whichever state you are in. Be sure you know and abide by the motorcycle laws applicable to where you are.

No matter how you choose to get your insurance coverage, make sure your policy protects you financially in the event of an accident. Sometimes the minimum amount required by the state of Kansas isn’t sufficient to fully protect you and your assets. Do some research and find out the details- then you can put together a policy which is tailored specifically to your needs. Driving a motorcycle should be a pleasure! Carrying the proper insurance coverage can keep it that way.