The Insurance Requirement
K.S.A. 40-3104 — insurance on the vehicle, proof on a phone, and a class B misdemeanor with a $300 to $1,000 fine
No one may knowingly drive an uninsured motor vehicle on a highway or property open to the public, and an owner may not let one be driven there.
Who handles this in Kansas: Johnson County Bar Association, Find a Lawyer; and legal aid programs and the state offices, listed in the Kansas directory.
A driver displays evidence of financial security on a law enforcement officer's demand, and may display it on a cellular phone. No one is convicted who produces evidence in court within 10 days of the arrest or citation that coverage was in force, unless the insurer reports otherwise.
| Conviction | Offense | Fine |
|---|---|---|
| ConvictionFirst | OffenseClass B misdemeanor, up to six months | Fine$300 to $1,000 |
| ConvictionWithin three years of a prior | OffenseClass A misdemeanor | Fine$800 to $2,500 |
Sources for this section (1)
- K.S.A. 40-3104 — Motor vehicle liability insurance coverage required; prohibited vehicle operation; verification; self-insurance; display of proof of financial security; penalties for failure to maintain financial security; reinstatement fees
Legal information, not legal advice. Verified as of October 2026. Applying it to a particular situation is the work of a licensed Kansas attorney.