Kansas insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Kansas. Updated Mar 31, 2026.
Department of Insurance
Kansas operates a File and Use rate filing system with a 30-day waiting period for personal lines per K.S.A. 40-955. The state has a competitive insurance market with robust consumer protections. Commissioner Vicki Schmidt, first elected in 2018 and reelected in 2022, oversees a regulatory framework focused on transparency, consumer advocacy, and market stability. Recent legislative priorities include PBM reform, workers compensation benefit increases, and online insurance verification systems.
Auto Insurance
Notable Laws
- K.S.A. 40-3107: Mandates UM/UIM coverage equal to liability limits unless rejected in writing
- K.S.A. 40-3104: Requires proof of financial responsibility for all motor vehicles
- K.S.A. 40-284: Uninsured motorist coverage requirements and rejection provisions
- K.S.A. 40-3109: Personal Injury Protection (PIP) benefits and coverage requirements
- K.S.A. 8-1567: SR-22 filing requirements for DUI convictions and diversions
Homeowners Insurance
Notable Laws
- K.S.A. 40-955: Rate filings effective after 30-day waiting period unless disapproved by Commissioner
- K.S.A. 40-2404: Unfair claims settlement practices prohibitions including misrepresentation and claim delays
- K.S.A. 40-276a: Cancellation requires 30-day notice (10 days for nonpayment); nonrenewal requires 30-day notice
- K.S.A. 40-2,126: Interest at 18% per annum on insurance settlements unpaid after agreement
- K.A.R. 40-1-34: Unfair Claims Settlement Practices regulations requiring prompt investigation and payment
Recent Bulletins
COVID-19 Regulatory Guidance
Informed insurers, agents, and consumers of measures taken by the Kansas Insurance Department in response to the COVID-19 pandemic, including operational changes and consumer protections.
View bulletinSERFF Filing Requirements Update
Updated guidance on electronic rate and form filings through the System for Electronic Rate and Form Filing (SERFF) for all insurance companies.
View bulletinEssential Health Benefits Benchmark Plan Update
Announced update to Kansas Essential Health Benefits Benchmark Plan selection process and solicitation of public comment on proposed changes for plan years 2025-2027.
View bulletinImplementation of SB 430 Workers Compensation Changes
Guidance on implementing workers compensation benefit increases and procedural changes enacted by Senate Bill 430, including increased death benefit caps and modified settlement procedures.
View bulletinFederal Short-Term Limited Duration Insurance Rule
Informed insurers of new federal regulations limiting short-term health insurance plans to 3 months initial term and 4 months total duration effective September 1, 2024.
View bulletinRecent Law Changes
Short-Term Limited Duration Health Insurance Expansion
Expanded definition of short-term health insurance to allow initial terms up to 12 months with renewals up to 36 months total; vetoed by Governor Kelly and override failed
Would have allowed Kansans to purchase short-term health plans for up to 3 years, but veto was sustained
Kansas Travel Insurance Act
Enacted comprehensive regulation of travel insurance including licensing requirements, disclosure obligations, and consumer protections for travel insurance policies
Travel insurance agents and insurers must comply with new licensing and disclosure requirements
Effective: 2024-01-01
Workers Compensation Benefit Increases and Procedural Reforms
Increased maximum death benefit from $300,000 to $500,000; increased permanent total disability cap from $155,000 to $400,000; modified average weekly wage calculations; eliminated certain procedural requirements; extended notice deadlines; created expedited settlement procedures
Workers and dependents receive substantially higher benefit caps; employers face increased maximum liability but streamlined procedures
Effective: 2024-07-01
Insurance Department Powers and Organizational Changes
Renamed Kansas Insurance Department to Kansas Department of Insurance; authorized Commissioner to set certain fees; required publication of fees in Kansas Register; modified board structures; updated nonadmitted insurer requirements; renamed Office of Securities Commissioner
Insurance companies and licensees must adapt to organizational changes and updated fee structures
Effective: 2025-07-01
Kansas Protected Cell Captive Insurance Company Act
Enacted legislation allowing formation and regulation of protected cell captive insurance companies in Kansas, expanding captive insurance domicile options
Businesses can establish protected cell captives in Kansas with segregated assets and liabilities for different cells
Effective: 2025-07-01
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