Cheap SR-22 Insurance in Kansas (2024)
High-risk drivers pay more for car insurance in Kansas, but that doesn’t mean you can’t find affordable rates on SR-22 insurance.
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Written byA.M. Steinbach
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Full-time writer for 5+ years
Two-time Emmy Award nominee
A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byAmber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
Updated November 20, 2024
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Table of contents
Insurance companies may see Kansas drivers with speeding tickets, reckless driving infractions, or DUIs on their records as high risk. And if you lose your driving privileges, you may have to file an SR-22 form with the Kansas Department of Revenue Division of Vehicles (KDOR).
“An SR-22 form verifies that you have the minimum insurance coverage required to drive legally in the state,” explains Loretta Worters, Insurance Information Institute vice president of media relations. “Drivers with SR-22 forms will pay higher rates because they’re considered at greater risk of filing an insurance claim in the future.”
High-risk drivers in Kansas pay higher rates as well. On average, high-risk Kansas drivers pay $203 per month for SR-22 insurance, which is $35 more than what drivers with clean records typically pay for full-coverage insurance.
Here are Kansas’ SR-22 requirements and how much drivers should expect to pay for SR-22 insurance.
Quick Facts
An SR-22 form verifies that a driver meets the state’s minimum insurance requirements.
Drivers in Kansas pay an average of $203 per month for SR-22 insurance, compared to $168 per month for non-SR-22 insurance.
Dairyland, Liberty Mutual, and The General offer the cheapest SR-22 insurance for high-risk Kansas drivers.
What is SR-22 insurance in Kansas, and when do you need it?
Typically, only high-risk drivers need to file an SR-22 with Kansas. These documents confirm that you carry the state’s minimum requirements for car insurance.
Kansas’s minimum car insurance requirements are as follows:[1]
$25,000 per person for bodily injury liability
$50,000 per accident for bodily injury liability
$25,000 per accident for property damage liability
$4,500 per person for personal injury protection (PIP)
An SR-22 form is only for drivers who have lost their driving privileges. The most common reasons for the state to revoke or suspend your driving privileges are driving under the influence, failing to show proof of insurance, driving without a license, getting several speeding tickets, committing manslaughter, or falsifying insurance documents.
A judge will typically notify you of your need to file an SR-22 form at your hearing. You may also receive a written message from the Kansas Department of Revenue’s Division of Vehicles letting you know that you must have an SR-22 form on file. In either case, you’ll need to find an insurer in the state that offers policies to high-risk drivers.
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How can you get an SR-22 in Kansas?
People with SR-22 requirements need to find a car insurance company that offers insurance to high-risk drivers. If the state requires you to file an SR-22, ask your current insurance company if it’ll file the proof-of-responsibility form with the state.
If your insurance doesn’t offer SR-22 forms, you’ll have to switch insurers. Call or email car insurance agents directly to find out which companies offer SR-22 policies to high-risk drivers. Some companies might not want to work with a driver who has a bad driving record, though others offer SR-22 insurance policies.
Once you buy an insurance policy, work with an agent to have the company send your SR-22 to the state to verify you meet the minimum insurance coverage requirements.
How long is an SR-22 required in Kansas?
If you have to file an SR-22 in Kansas, you must maintain it for one year, according to Kansas statute 40-3118.[2]
If you commit another serious offense and lose driving privileges again, the time you’ll have to carry an SR-22 form may extend. Speak to your car insurance agent for details on how long you must carry SR-22 insurance.
How much is an SR-22 in Kansas?
Drivers in Kansas pay an average of $203 a month for SR-22 insurance, which is $35 higher than the state average rate of $168 a month.
Drivers will also need to pay a fee for SR-22 insurance, which can range from $15 to $25. Speak to your insurance agent for more pricing details about your SR-22 insurance. Rates vary based on various factors, including your location, gender, age, vehicle, past driving history, and more.[3]
Cheapest companies for SR-22 insurance in Kansas
Below are the companies offering the cheapest SR-22 insurance in Kansas. Safeco is the cheapest option, at $69 per month, which is lower than the Kansas state average for liability-only insurance, according to Insurify data. National General's rates are on par with average liability-only SR-22 insurance rates in Kansas.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Liability Only ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ |
|---|---|---|
| Root | $79 | 8 |
| Dairyland | $90 | 7 |
| CSAA | $91 | 8 |
| Safeco | $91 | 8 |
| National General | $93 | 7 |
| Direct Auto | $109 | 7 |
| Bristol West | $111 | 5 |
| Liberty Mutual | $117 | 8 |
| The General | $122 | 7 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest insurance companies in Kansas with SR-22 by city
Car insurance rates vary based on your ZIP code.[3] In Kansas, drivers in Kansas City tend to pay the highest rates for SR-22 insurance on average. Drivers in Garden City pay the lowest average rates.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
City Name ▲▼ | Insurance Company ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Manhattan | Root | $71 |
| Topeka | Root | $75 |
| Lawrence | Root | $80 |
| Manhattan | Dairyland | $81 |
| Manhattan | CSAA | $82 |
| Manhattan | Safeco | $82 |
| Manhattan | National General | $85 |
| Topeka | Dairyland | $86 |
| Topeka | CSAA | $87 |
| Topeka | Safeco | $87 |
| Kansas City | Root | $88 |
| Wichita | Root | $90 |
| Garden City | Root | $90 |
| Topeka | National General | $90 |
| Lawrence | Dairyland | $91 |
| Lawrence | CSAA | $92 |
| Lawrence | Safeco | $92 |
| Lawrence | National General | $94 |
| Manhattan | Direct Auto | $97 |
| Kansas City | Dairyland | $100 |
| Manhattan | Bristol West | $100 |
| Garden City | Dairyland | $102 |
| Wichita | Dairyland | $103 |
| Garden City | CSAA | $103 |
| Garden City | Safeco | $103 |
| Kansas City | CSAA | $103 |
| Kansas City | Safeco | $103 |
| Topeka | Direct Auto | $103 |
| Wichita | CSAA | $104 |
| Wichita | Safeco | $104 |
| Garden City | National General | $105 |
| Kansas City | National General | $105 |
| Wichita | National General | $106 |
| Manhattan | Liberty Mutual | $106 |
| Topeka | Bristol West | $106 |
| Lawrence | Direct Auto | $109 |
| Manhattan | The General | $110 |
| Lawrence | Bristol West | $113 |
| Topeka | Liberty Mutual | $113 |
| Topeka | The General | $117 |
| Lawrence | Liberty Mutual | $119 |
| Kansas City | Direct Auto | $121 |
| Garden City | Direct Auto | $122 |
| Wichita | Direct Auto | $123 |
| Lawrence | The General | $123 |
| Kansas City | Bristol West | $126 |
| Wichita | Bristol West | $127 |
| Garden City | Bristol West | $127 |
| Kansas City | Liberty Mutual | $132 |
| Garden City | Liberty Mutual | $133 |
| Wichita | Liberty Mutual | $134 |
| Kansas City | The General | $138 |
| Garden City | The General | $139 |
| Wichita | The General | $140 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Kansas for drivers with an SR-22
Drivers in and around Kansas have found policies from Bristol West, Root, Liberty Mutual, and more, through Insurify in the last few days.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
How an SR-22 affects driving record and future rates in Kansas
Generally, the more traffic infractions on your driving record, the more you’ll pay for car insurance. Driving record is just one of many factors that affect your car insurance rates, along with your age, gender, credit score, marital status, vehicle type, and driving habits.[3]
You can take these steps to improve your driving record and lower your insurance premiums in Kansas:[4]
Shop around and compare rates. You’ll likely face higher rates when carrying an SR-22 form. Comparing insurance quotes from at least three different insurers is one of the best ways to find lower rates in your area.
Take a defensive driving course. Enrolling in a driver safety course shows a car insurance company that you’re serious about improving your driving record. You’ll learn important responsible driving habits and might even qualify for a discount.
Raise your deductible. A higher deductible generally means a lower insurance premium. Assess your financial situation before raising your deductible, because you’ll pay more out of pocket in the event of a covered loss.
Consider purchasing less coverage. If you have an older car with a market value of less than $3,000, it might be a good idea to just carry liability insurance. Repair costs may exceed the cost of replacing the car, which means adding collision and comprehensive coverage to your insurance policy isn’t necessary.
Ask about discounts. Talk to your insurance agent to see if you’re eligible for discounts. Popular discounts include multi-car discounts, home and auto bundling discounts, good student discounts, low mileage discounts, and many more.
Kansas SR-22 insurance FAQs
If Kansas requires you to file an SR-22 proof of responsibility form, you can learn more about your car insurance with Insurify’s guides on how long an accident affects your rates and average premiums by driving history.
Here are answers to some common questions about SR-22 forms in Kansas.
How long do you have to hold an SR-22 in Kansas?
Kansas drivers must hold an SR-22 for one year, though the length may vary based on your personal situation.[2]
How do you get rid of an SR-22 in Kansas?
To get rid of an SR-22 in Kansas, maintain continuous SR-22 coverage for at least one year. After a year, contact the state to check the status of your driver’s license privileges. If the state deems you’ve met the requirements, you can contact your insurer to remove the SR-22 filing from your policy.
What happens to your SR-22 in Kansas if you move?
You’ll still need to carry SR-22 insurance for the duration outlined by the state in which you filed. Before moving, reach out to your insurance company and see if it offers SR-22 insurance in your new state. If not, you’ll have to switch car insurance companies.
Do you need an SR-22 in Kansas if you don’t have a car?
If you want to carry a valid driver’s license, yes. SR-22 requirements aren’t dependent on you owning a motor vehicle.
Related articles
More cities in Kansas
Sources
- Kansas Insurance Department. "Auto Insurance."
- Kansas Office of Revisor of Statutes. "40-3118."
- III. "What determines the price of an auto insurance policy?."
- Kansas Insurance Department. "Auto Insurance Shopper's Guide."
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A.M. SteinbachInsurance Writer
A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
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