Cheap SR-22 Insurance in Kansas (2023)

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 $193 per month for SR-22 insurance, which is $14 more than what drivers with clean records typically pay for standard insurance.

Here are Kansas’ SR-22 requirements and how much drivers should expect to pay for SR-22 insurance.

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 $193 a month for SR-22 insurance, which is $14 higher than the state average rate of $179 a month and $45 higher than the national average of $148.

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. Dairyland is the cheapest option, at $143 per month, which is lower than the Kansas state average for standard insurance, according to Insurify data. Liberty Mutual’s rates are on par with average SR-22 insurance rates in Kansas.

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 pay the lowest rates for SR-22 insurance on average, at $156 per month, followed closely by Wichita drivers, who pay $159 per month. Drivers in Salina pay $213 per month for SR-22 insurance, which is well above the state average in Kansas.

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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