What are Kansas SR-22 requirements?

If you’ve committed a driving violation in Kansas, you may be required to get SR-22 insurance by the state or court. SR22 insurance guarantees to the state of Kansas that you have at least the minimum insurance requirements required in the state. It’s proof of financial responsibility. Some of the most common reasons for needing SR22 insurance is after a DUI conviction or for driving without car insurance. The SR-22 form is for any Kansas driver who has been convicted of any high-risk driving offense. The insurance provider will submit this form to confirm that the driver's car insurance policy follows the state's minimym insurance requirements. A Kansas SR22 is required in order to reinstate your driving privileges.

You’ve likely heard the term SR-22 insurance if you’re required to file an SR22 in Kansas. While SR-22 insurance is not actually a different type of insurance from typical car insurance, the term is often used to describe car insurance coverage for those who need an SR-22 endorsement because an SR22 affects your car insurance coverage and cost.

An SR-22 insurance policy is more expensive compared to a standard auto insurance policy due to the severity of the traffic violation. High-risk offenses will most likely impact your car insurance premiums. In Kansas, SR-22 insurance after a DUI conviction costs an average of 34.5% more than car insurance for a driver with a clean record.

There are three types of SR22 forms:

• Operator’s certificate is for you if you do not own a vehicle
• Owner’s certificate is a financial responsibility if you are the owner of the vehicle
• Operator-Owner certificate covers all vehicles that are owned or not owned by you

In Kansas, the SR-22 form is required for a period of 12 months. Throughout this period, you must maintain SR22 insurance for 12 consecutive months. Your Kansas car insurance rates will likely be increased throughout the duration of your SR-22 filing period.

If you have a lapse in coverage, your car insurance company will notify the Kansas Division of Vehicles that you’re no longer fulfilling your SR22 insurance requirements with your company. This will result in you needing to restart the 12-month SR-22 period. You could also face jail time, additional fees and suspensions.

Once your 12-month SR-22 period is complete, your auto insurance company will need to validate that you maintained your SR-22 coverage for the whole period and you’ll no longer need SR22 insurance. You’ll be eligible to have your license reinstated as long as you’ve fulfilled all other requirements and you’ve paid the reinstatement fee.

Additionally, if you don't own a vehicle, you can purchase a non-owner SR-22 insurance as a proof of insurance. The Kansas non-owner SR22 insurance policy is the best way to meet the state's minimum liability limits.

The insurance costs vary by insurer, so it's a good idea to shop around and compare rates to find the most affordable car insurance policy.

Use our comparison tool to compare SR-22 insurance quotes from multiple companies.

What are the SR-22 insurance limits in Kansas?

If you’re required to have SR-22 insurance in Kansas, you’ll be required to have at least the following coverage:

• Liability:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $10,000 property damage per accident

• Personal injury protection:

  • $4,500 medical expenses
  • $900 per month for one year for disability/loss of income
  • $25 per day for one year for in-home services
  • $2,000 funeral, burial or cremation expense
  • $4,500 rehabilitation expense

• Bodily injury caused by an uninsured/underinsured motorist:

  • $25,000 per person
  • $50,000 per accident

If you don’t get SR22 insurance with at least the required minimum limits and maintain it for the duration of your filing period, your Kansas driver’s license will be suspended or revoked. You won’t be able to renew your license or vehicle registration until you comply with your SR-22 requirements.

Who needs an SR22 in Kansas?

SR22 insurance is required in Kansas in a few scenarios in order for you to get your license reinstated. You are required to file for SR-22 in Kansas in case of non-compliance with the Kansas requirements to maintain financial security. You could need SR22 insurance for the following reasons:

• Conviction for driving under the influence (DUI or DWI)
• Driving without car insurance
• Driving with a revoked or suspended license
• Having repeated traffic violations in a certain amount of time, including speeding tickets
• Numerous at-fault accidents
• A fatal at-fault accident or one that results in injuries
• Reckless or dangerous driving
• Assignment from a court order
• Failure to pay fines from tickets
• Refused consent to breathalyzer or blood alcohol test

How are Kansas SR-22 insurance rates calculated?

Your SR-22 insurance rates depend on several factors, such as your age, credit score, vehicle type, driving record and so on. When you need SR22 insurance, you’re considered to be a high-risk driver. That results in comparatively higher insurance rates than if you had a clean driving record.

One of the most common reasons drivers need SR-22 insurance is because of a DUI conviction. On average, drivers with one DUI conviction in Kansas pay $1,676 per year for car insurance. That’s 34.5% more than car insurance for a driver with a clean driving record. However, the SR-22 insurance cost you pay differs significantly based on the company you buy car insurance from. In the table below, you can find average rates for Kansas drivers who have one DUI conviction from some of the largest companies in the state.

Company	Car insurance rate
USAA*	$1,197
Nationwide	$1,268
Auto-Owners	$1,480
State Farm	$1,494
Progressive	$1,620
Farmers	$1,678
Kansas Farm Bureau	$1,816
American Family	$1,958
Allstate	$2,203
Safeco	$2,421

*USAA is only available to active and former military members and their families.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Kansas will differ. Rate data is provided by Quadrant Information Services.

How to get SR22 insurance in Kansas?

If you need SR22 insurance in Kansas, your insurance company must file the SR-22 certificate on your behalf with the Kansas Division of Vehicles. You can’t file the SR22 on your own.

You can check with your insurance company to see if it offers SR22 insurance. Even if it does, you may still want to consider shopping around for a new policy to see if you can get cheaper rates with a different company.

Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in Kansas with a minimum of 25 reviews. If you want to see which companies customers say are the best car insurance companies for SR-22 insurance in Kansas, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange "Click for quote" button next to the company, call the number available, or visit the company's website.

If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.

Is there an SR-22 filing fee in Kansas?

When you need SR-22 insurance, your car insurance rates will increase but you’ll also likely need to pay a fee to have your insurance company file the SR22 form in Kansas. The fee to file an SR22 in Kansas typically ranges from $20 to $50.

If your license was suspended, you’ll have to pay a reinstatement fee in order to restore your driving privileges. There are also additional fees and requirements depending on your violation. For example, if you were convicted of a DUI in Kansas, penalties may include license suspension, ignition interlock device and fees. Kansas DUI fees can range from $200 to $1,500 depending on your violation.

##How are car insurance rates calculated?

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you with a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

• Your driving record
• How much you drive
• Location/ZIP code
• Age
• Marital status
• Gender
• Your car’s make, model and year
• Your credit history (in some states)
• Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based on how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course, the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require their drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance?

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

• Bundle your car insurance with other policies
• Consider raising your deductibles
• Pay your car insurance policy in full
• Try usage-based car insurance
• Monitor price changes to your policy
• Shop for better insurance rates

How do we rank car insurance companies?

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

• Cost
• Customer Service
• Overall Experience
• Claim service
• Purchasing experience
• Likelihood to recommend

Car Insurance Guide

Whether you’re buying your insurance directly or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.