7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Cheapest recent rates in Kansas for drivers with an SR-22
Drivers using Insurify have found quotes as cheap as $62/mo for liability only and $95/mo for full coverage in Kansas.
*Quotes generated for Insurify users from Kansas within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Kansas within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you commit a serious violation on the road in Kansas, you may need to file a proof of insurance document, sometimes called an SR-22 certificate. The document serves as proof to the state that you have an insurance policy that meets the minimum requirements.
Fortunately, you can track down affordable coverage for SR-22 insurance. Here’s what you need to know about SR-22 insurance in Kansas.
Quick Facts
If you receive a citation for a DUI, driving without insurance, or reckless driving, you’ll likely need to carry an SR-22.
Drivers carrying an SR-22 form in Kansas must maintain the policy for 12 consecutive months to avoid penalties.[1]
The SR-22 form won’t push your rates higher, but the underlying violation that led to your SR-22 requirement will likely lead to higher rates.
Cheapest companies for SR-22 insurance in Kansas
Drivers who need an SR-22 form generally pay more for insurance coverage. But some companies consistently offer lower rates than others. The table below includes the best insurance companies for SR-22 insurance in Kansas.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Root
$79
$134
CSAA
$87
$152
Dairyland
$92
$240
Safeco
$92
$194
National General
$96
$178
Bristol West
$108
$286
Direct Auto
$114
$226
The General
$121
$261
Liberty Mutual
$123
$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What is SR-22 insurance in Kansas?
SR-22 insurance isn’t a specialized insurance product. Instead, an SR-22 form is a certificate of financial responsibility that shows the state you’re carrying coverage equal to or greater than the state’s minimum liability requirements. This document must be filed with the Kansas Department of Revenue’s Division of Vehicles.
Not every driver needs SR-22 insurance. But after certain driving convictions, like a DUI or driving without insurance, the state may suspend your license. You’ll need to obtain an SR-22 filing through an insurance company to confirm your policy meets the state’s insurance requirements.
Although getting this document can help you get back on the road, obtaining car insurance can be more difficult after a serious violation. When you do find an insurance company to provide a policy, you’ll likely pay higher premiums due to the perceived higher risk.
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Difference between SR-22 and FR-44
After certain types of driving infractions, like DUIs or reckless driving, the state may suspend your license. You’ll need to obtain an SR-22 form or FR-44 form before legally driving again.
Both an SR-22 and FR-44 form provide proof that you’ve obtained an insurance policy with sufficient liability coverage. For an SR-22 form, the insurance policy must contain at least the state’s minimum level of car insurance coverage. In contrast, an FR-44 form proves you have an auto insurance policy with higher liability limits.
Kansas drivers don’t have to worry about FR-44 forms because only Florida and Virginia require them.
When you need SR-22 insurance
Here are some of the most common reasons for an SR-22 requirement:
DUI conviction
Driving without insurance
Reckless driving
Repeated driving offenses within a short period of time
Excessive accidents or traffic violations
Generally, major offenses lead to an SR-22 requirement. But minor offenses usually don’t come with SR-22 status attached.
How to get SR-22 insurance in Kansas
If you’re required to get SR-22 insurance, you’ll likely be notified through a court order or through the division of vehicles. Follow these steps to get the coverage you need.
1. Determine the minimum coverage requirement
You must carry at least the minimum amount of coverage required for Kansas drivers. This is at least $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, $25,000 in property damage liability, $25,000 in uninsured motorist coverage per person, $50,000 in uninsured motorist coverage per accident, and personal injury protection with at least $4,500 in medical expenses coverage per person.[2]
2. Consider a more robust insurance policy
Although a minimum-coverage policy is technically all you need to get back on the road, it might not offer enough protection for your needs. For drivers seeking more protection, consider a full-coverage policy, which includes both comprehensive and collision coverage.
3. Shop around
Once you know your desired coverage amount, compare multiple quotes across insurance companies that offer SR-22 coverage.
4. Finalize coverage
After finding a policy, pay for it to finalize your coverage. The insurer will send your SR-22 form to the Kansas Division of Vehicles.
5. Maintain coverage
If your policy lapses due to lack of payment, the insurer must report the lapse to the Kansas Division of Vehicles. This might lead to a suspension of your driving privileges and a restarting of your SR-22 requirement.
How long Kansas requires SR-22 insurance
Under Kansas law, drivers are required to file an SR-22 insurance form and maintain continuous coverage for at least one year. If the policy lapses for a single day within the year, the 12-month SR-22 filing requirement restarts.
The insurance requirement remains intact whether you own a vehicle during the time period or not. If you don’t own a vehicle, you might need to find a car insurance company offering non-owner SR-22 coverage. Failure to meet this proof of financial responsibility requirement could lead to a suspended license and additional fees.[3]
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How SR-22 insurance affects driving record and future rates in Kansas
Drivers who must file an SR-22 generally face higher insurance premiums. The underlying violation that triggered the SR-22 filing requirement usually represents some level of risk to auto insurance companies, inflating rates. Insurers tend to charge higher rates to high-risk drivers.
Although your higher rates will stick around for a while, you can potentially lower your rates with the following strategies:
Shop around. Every auto insurance company has a different method of determining premiums. Make the effort to compare quotes from several insurers to find the lowest rates for your unique situation.
Raise your deductible. Generally, insurers reward drivers who opt for a higher deductible with a lower premium. If you have the money available to cover a higher deductible after a car accident, choosing a higher deductible could lead to savings.
Ask for a discount. Many insurers offer discount opportunities. Don’t hesitate to ask if you qualify for any discounts.
Bundle your insurance policies. You can often score a bundling discount when you purchase multiple types of insurance through the same insurer. Other insurance products you might buy includehomeowners insurance, renters insurance, and life insurance.
Kansas SR-22 insurance FAQs
If you have questions about Kansas SR-22 insurance, the answers below can help.
How do you know if you need an SR-22?
If you need an SR-22 form, you’ll usually receive notice through a letter from the Kansas Division of Vehicles or through a court order. An SR-22 requirement generally won’t come as a surprise, because to get one, you usually will have committed a serious moving violation.
Are there any fees with SR-22 insurance?
Many insurance companies charge a filing fee for your SR-22 certificate. The fee is typically around $25, but it varies from insurer to insurer.
How much do car insurance rates increase after filing an SR-22?
Drivers with an SR-22 filing requirement in Kansas pay $97 per month for liability coverage compared to drivers with a clean record, who pay an average of $80 per month.
How long do you have to hold an SR-22 in Kansas?
If you need to hold an SR-22 in Kansas, you must maintain continuous car insurance coverage for an entire year to avoid license suspension.
How do you get rid of an SR-22 in Kansas?
After you maintain continuous SR-22 coverage for the predetermined time, you can contact the state to determine if your requirements have been met. If the state of Kansas agrees that you’ve met the requirements, you can contact your insurance company to remove the SR-22 filing.
What happens to your SR-22 in Kansas if you move?
Before moving, ask your insurance company if it offers coverage in your new state. If not, you’ll have to switch insurers. But you’ll still need to maintain continuous coverage for at least one year to avoid any issues with your SR-22 requirement.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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