Allstate Insurance Agent Serving Kansas

Prefer email? Send your questions to quote@hiltinsurance.com.

Our offices are on the Missouri side of the Kansas City metro, in Gladstone and North Kansas City, and our agents are licensed in Kansas. We help Kansas families with Allstate auto, home, renters, landlord, life, boat and motorcycle insurance, from Johnson and Wyandotte counties to Lawrence, Topeka, Wichita and western Kansas. Most of our Kansas customers work with us by phone, email and online.

Kansas Auto Insurance Requirements

Kansas law (K.S.A. 40-3107) sets minimum liability limits, and the Kansas Insurance Department says every personal auto policy sold in the state must include:

• Liability: $25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage
• Personal injury protection (PIP): $4,500 per person for medical expenses, $900 a month for one year for disability or lost income, $25 a day for substitution benefits, $2,000 for funeral, burial or cremation expenses, and $4,500 for rehabilitation
• Uninsured/underinsured motorist: at least $25,000 per person and $50,000 per accident for bodily injury

Kansas uses a no-fault system for injuries, which means your own PIP coverage pays first for your medical expenses after a crash, regardless of who caused it. Under K.S.A. 40-284, uninsured motorist coverage generally carries the same limits as your bodily injury liability coverage. The Kansas Insurance Department recommends buying coverage that fits your needs, not just the minimum. Our blog post on Kansas auto insurance requirements goes into more detail.

SR-22 Filings in Kansas

The Kansas Department of Revenue (KDOR) requires an SR-22, proof of liability insurance filed by your insurance company, after certain violations. Its schedule of imposed actions lists a full year of SR-22 for leaving the scene of a non-injury accident and for a conviction for driving without insurance. If KDOR doesn’t receive the SR-22 within 30 days of the requirement, the suspension takes effect. KDOR also says not to get the SR-22 until you’re notified that you need one, because filings received before the notice don’t count. We do SR-22 filings, so call us once you have your KDOR notice. Missouri’s rules are different. See our Missouri SR-22 guide.

What Car Insurance Costs in Kansas

According to NAIC data, the average auto insurance expenditure in Kansas was $972.57 per insured vehicle in 2023, below the national average of $1,281.92. Your price depends on your driving record, vehicle, location, coverage and other factors, so the only way to know is a quote.

Protecting a Kansas Home

Spring and summer storms bring hail, damaging winds and tornadoes across Kansas. Review your roof coverage, your deductibles and whether you’d want separate flood coverage, since standard homeowners policies generally don’t cover flood.

Kansas Communities We Serve

• Overland Park and Olathe in Johnson County
• Kansas City, Kansas, and the rest of Wyandotte County
• Everywhere else in Kansas

Many of our Kansas customers work or own property in Missouri too. Both offices are licensed in Missouri as well, and our North Kansas City office is also licensed in Iowa.

Our Two Offices

Coverage We Can Help With

• Auto: Auto Insurance · Gladstone auto quotes · Kansas City auto quotes
• Home: Home Insurance · Kansas City home quotes
• Renters and landlord: Renters quotes · Landlord quotes
• Life: Life Insurance
• Boat and motorcycle: Boat quotes · Motorcycle quotes

Prefer email? Send your questions to quote@hiltinsurance.com.

Frequently Asked Questions

Can a Missouri agency sell me a Kansas policy?

Yes. Our offices are in Missouri, but our agents are licensed in Kansas, so we can help with Kansas auto, home, renters, life and other policies.

Is PIP required in Kansas?

Yes. The Kansas Insurance Department says every Kansas auto policy must include personal injury protection, including at least $4,500 per person for medical expenses and $900 a month for one year for disability or lost income.

How long do I need an SR-22 in Kansas?

It depends on the violation. The Kansas Department of Revenue lists a full year of SR-22 for some violations, such as a conviction for driving without insurance. Follow the instructions in your KDOR notice.

How do I get a quote?

Request a quote at hiltinsurance.com/quote/, call our Gladstone office at 816-420-0502 or our NKC office at 816-605-7684, or email quote@hiltinsurance.com.

Sources: Kansas Insurance Department, Auto Insurance Shopper's Guide; K.S.A. 40-3107 and 40-284; Kansas Department of Revenue, Imposed Actions on Major Violations; NAIC data via III table archive. Information is general and current as of October 2026. It isn’t a quote or a guarantee of coverage, discounts or approval.