SR-22 insurance in Kansas is not an insurance policy. Rather, it’s a certificate proving financial responsibility that some drivers must submit to the state. It’s necessary for individuals who are found guilty of specific driving offenses, including DUI, driving without insurance and reckless driving.
Your insurer files an SR-22 form with the Kansas DMV to verify that your policy meets the state’s minimum liability coverage requirements. This form is typically required when you need to reinstate driving privileges after they were revoked or suspended due to violations. You must maintain continuous coverage throughout the specific period for compliance with the court or DMV.
In this guide, you’ll find what SR-22 insurance covers in Kansas and how it affects your annual premiums should you need one.
Who needs an SR-22 in Kansas?
In Kansas, an SR-22 is typically required for individuals whose license was suspended or revoked due to certain violations.
Some examples of violations that may lead to an SR-22 requirement include:
- DUI or DWI (driving under the influence or driving while intoxicated) conviction
- Reckless driving
- Driving without insurance
- Multiple traffic offenses within a short period
- If you’re involved in an accident and don’t have car insurance, the DMV may suspend your license and require you to file an SR-22
- Nonpayment of fines or penalties if you’re sued after an accident
In Kansas, an SR-22 is generally needed for 1 year, but this duration can differ based on the specific violation. Throughout this period, it’s crucial to maintain at least the minimum car insurance required by Kansas law.
Learn more about how to find out if you still need an SR-22
How do I get an SR-22 in Kansas?
To obtain SR-22 insurance in Kansas, you must first get a car insurance policy. Then, the insurance company will submit an SR-22 form to the Department of Motor Vehicles (DMV) on your behalf.
Getting the right car insurance:
- Reach out to your current insurance company: Most insurers file SR-22s, but your auto insurance rate increase will depend on the carrier.
- Compare quotes from other insurers: Shop around and compare quotes from different car insurance carriers who offer SR-22 coverage. Be transparent about your need for SR-22 to get accurate quotes.
- Meet state minimum liability requirements: Kansas mandates a minimum of 25/50/25.
Filing the SR-22:
- Inform your insurer about your SR-22 requirement. They’ll handle the paperwork and submit the form to the DMV.
- Pay any associated fees. Expect an SR-22 filing fee from your insurance company on top of the increased premium for your high-risk status.
- Maintain continuous insurance. A lapse in coverage may result in the DMV suspending your license again.
Having an SR-22 may increase your car insurance costs because it signifies a riskier driver. To minimize the impact, compare quotes from different insurers and focus on safe driving habits to get lower rates in the future.
Discover your options for getting SR-22 insurance without a valid license
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How much is SR-22 insurance in Kansas?
The cost of car insurance in Kansas is $2,151 per year for full coverage with an SR-22, which is $58 higher than the national average of $2,093 annually. However, having a DUI on your driving record can significantly increase your premium to an average of $3,684 per year for full coverage.
Besides the higher premium, many insurance companies charge a small fee to submit the SR-22 form. If your license is suspended, your only option for getting it reinstated is to buy car insurance and file the SR-22 form.
How much is SR-22 insurance per month in Kansas?
Drivers in Kansas who have a DUI on their record can expect to pay $307 per month for a full coverage policy, which includes an SR-22.
Only some insurance companies provide car insurance for high-risk drivers, so you might need to look around to find one that does. When you do find an insurer, be prepared for higher premiums because of driving violations on your record.
However, by driving responsibly and avoiding speeding tickets, DUIs and other infractions, you can gradually improve your driving record and secure lower insurance rates in the future.
Affordable SR-22 insurance companies by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cheapest SR-22 insurance companies in Kansas
Nationwide offers the cheapest SR-22 car insurance rates to Kansas drivers at an average annual premium of $1,371 . Progressive and Farmers also offer affordable SR-22 car insurance rates in Kansas, based on an in-depth analysis by CarInsurance.com.
After a DUI or other traffic violation in Kansas, getting SR-22 insurance is a requirement. While the SR-22 form doesn’t impact insurance costs, the violations that necessitate it typically result in higher premiums. However, high-risk drivers can still find affordable auto insurance rates in Kansas.
| Company | Full coverage rates without SR-22 | Full coverage rates after filling SR-22 |
|---|---|---|
| Nationwide | 1,316 | 1,371 |
| Progressive | 1,937 | 2,214 |
| Farmers | 1,992 | 2,622 |
Find out which providers offer the cheapest SR-22 car insurance
How long do I need SR-22 insurance in Kansas?
You will need an SR-22 in Kansas for a period of 1 year. This document proves to the Kansas DMV that you are maintaining state-mandated coverage.
SR-22 insurance varies by state and the reason you need it. Usually, it’s required for three years but in some cases, it might be longer. For example, if someone has repeat violations, the requirement could extend out to five years, says Dr. James Brau, Joel C. Peterson professor of finance at Brigham Young University.
What happens if I cancel my car insurance?
If you cancel your car insurance in Kansas before the required period mandated by the state, it can lead to serious consequences.
- Driver’s license suspension: Your Kansas insurance provider is legally required to inform the state if your insurance is canceled. This likely triggers a driver’s license suspension, as you must still maintain SR-22 coverage for the mandated period.
- Fines and penalties: In addition to suspension, some states may impose additional fines or penalties for failing to comply with the SR-22 requirement.
- Extended probationary period: If your Kansas SR-22 requirement was part of a probation period for a driving offense, cancellation might restart the clock.
- Increased insurance costs: Future attempts to purchase insurance might be costly due to the lapse in coverage and driving record violations.
It’s crucial to maintain continuous coverage for the required period. Any gaps or cancellations can result in penalties and suspension of your driver’s license.
How to get an SR-22 removed in Kansas
If you want your SR-22 filing removed in Kansas, the easiest way is to wait out the mandatory filing period. In Kansas, this period typically lasts for 1 year from the date of filing.
Brau explains that you should maintain continuous insurance coverage without any lapses. If you cancel your policy or let it expire, the SR-22 will no longer be valid. Wait out the required period. During this time, drive responsibly and maintain your insurance coverage.
“Check with your state’s DMV and confirm the exact duration and any additional requirements for removal. Some states may require you to submit a formal request or provide proof of good driving behavior,” he says.
“Once the required period has passed, ask your insurer to file an SR-26 form with the DMV. This form notifies them that you no longer need an SR-22. After your insurer submits the SR-26, check with the DMV to ensure the SR-22 is officially removed from your record.”
How does an SR-22 affect car insurance rates in Kansas?
Requiring an SR-22 certificate can substantially increase your car insurance premiums. Insurance providers typically categorize drivers with SR-22s as high-risk, which often translates to higher rates.
The specific amount by which your premiums will rise can vary depending on factors like your driving history and the reason for the SR-22 filing.
Don’t settle for the first offer. Compare quotes from multiple insurers to get the best deal on car insurance with an SR-22. If you stay violation-free and comply with the SR-22 requirements, your rates could go down over time.
Select your age, gender and type of violation to see average annual SR-22 insurance rates by company.
Note: These rates are for a full coverage policy with limits of 100/300/100 with a $500 deductible.
Non-owner SR-22 insurance for Kansas drivers
If you’re in a situation where you require an SR-22 in Kansas but don’t have a vehicle, non-owner SR-22 insurance can help you reinstate your Kansas driver’s license and fulfill the state requirements.
Non-owner car insurance offers liability coverage for individuals who don’t own a vehicle. An added benefit is that some insurers can file the SR-22 form with the DMV for you, which may be required in certain situations.
Frequently asked questions: SR-22 insurance in Kansas
How do I check my SR-22 status online in Kansas?
You can easily check your SR22 status by visiting the official website of the Kansas DMV and using their online services. Alternatively, you can contact the Kansas DMV by phone to inquire about your SR-22 status, and they can provide you with the required information.
Do I need an SR-1P or SR-22 in Kansas?
Both the SR-22 and SR-1P are forms your insurance company submits to the Kansas DMV, ensuring you meet the mandated liability coverage. For motorcycle riders, mopeds, and scooter users, the SR-1P is the relevant form. If you’ve been caught riding your two-wheeler without insurance or have had your license suspended, you’ll require an SR-1P.
What happens to your SR-22 insurance in Kansas if you move?
An SR-22 requirement stays even when you move to a new state. Find a new insurance company licensed in your current state to file a new SR-22. They must submit the form with both the Kansas DMV and your new state’s DMV to transfer the requirement. Maintain continuous coverage until the new SR-22 is in effect.
SR-22 requirements can vary from state to state, so it’s essential to consult with your new insurance company and the Department of Motor Vehicles (DMV) in your new state to determine the necessary steps.
Does Geico offer SR-22 in Kansas?
Geico provides SR-22 in Kansas, ensuring you meet the state’s insurance requirements and offer adequate coverage required by the state.
Resources & Methodology
Sources
SR-22 Adviser. “SR-22 Requirements by State.” Accessed November 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get SR-22 car insurance rates in Kansas. The rates are based on the sample profile of a 40-year-old driver with a clean driving record and good insurance score. We have compared 50,73,544 from 138 national and regional car insurance companies across 548 cities and 1,468 ZIP codes to evaluate the premiums.
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Laura Longero
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Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Guide to car insurance (with rates) in cities of Kansas