Kansas SR-22 & High-Risk Auto Insurance

Kansas requires $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. These minimums are low for drivers with DUI or multiple violations—many non-standard carriers require 50/100/50 limits to write SR-22 policies. Kansas uses a point system where 3 moving violations in 12 months triggers license suspension and SR-22 requirement, making adequate liability limits essential for compliance and financial protection.

SR-22 is not separate insurance but a certificate filed by your carrier proving you maintain continuous liability coverage at Kansas-required minimums. Approximately 15–20 carriers write SR-22 policies in Kansas, including Progressive, The General, Dairyland, and Bristol West. The SR-22 filing itself costs $15–$50, but the underlying high-risk policy typically runs $2,200–$5,400 annually depending on violation type and driving record.

Kansas mandates PIP coverage at $4,500 minimum to cover medical expenses, lost wages, and rehabilitation costs after an accident regardless of fault. High-risk drivers cannot reject PIP when securing SR-22 coverage—it must be included in the policy. PIP claims do not affect your SR-22 status, but policy cancellation for non-payment during the SR-22 period triggers immediate license suspension and requirement restart.

Kansas requires uninsured motorist coverage at 25/50 limits unless you sign a written rejection, which most non-standard carriers do not allow for high-risk policies. Approximately 12% of Kansas drivers are uninsured, making UM coverage critical protection if you are hit by an at-fault driver without insurance. High-risk drivers should carry UM limits matching their liability coverage to protect against rate increases from subsequent not-at-fault accidents.

Kansas does not require collision or comprehensive coverage unless you finance or lease your vehicle. High-risk drivers with SR-22 requirements often face mandatory collision and comprehensive from lenders, adding $800–$2,000 annually to premiums depending on vehicle value and deductible. Non-standard carriers may require higher deductibles ($1,000–$2,500) for drivers with recent at-fault accidents or DUI convictions to offset risk.

Kansas-required minimums: 25/50/25 liability, $4,500 PIP, and uninsured motorist coverage. Available from non-standard carriers for drivers with single DUI or 3 moving violations in 12 months.

Increased liability limits (50/100/50) with $4,500 PIP and uninsured motorist matching liability. Recommended for drivers with DUI plus accident history or multiple violations requiring SR-22 filing.

Includes comprehensive and collision with $500–$1,000 deductible, required for financed vehicles. Non-standard carriers may mandate higher deductibles for recent DUI or at-fault accident within 36 months.

Covers injury and property damage you cause to others. Kansas requires 25/50/25 minimums, but high-risk drivers should consider 50/100/50 or higher to protect assets and meet non-standard carrier underwriting requirements.

Certificate proving continuous liability coverage filed by your carrier with the Kansas Division of Vehicles. Required for 3 years after DUI, multiple violations, or driving without insurance.

Protects you when hit by driver without insurance. Kansas requires 25/50 limits unless rejected in writing, which most non-standard carriers prohibit for high-risk policies.

Mandatory Kansas coverage paying medical bills, lost wages, and rehabilitation costs regardless of fault. Minimum $4,500 required; higher limits available up to $25,000.

Pays to repair your vehicle after at-fault accident. Not required by Kansas but mandatory if you finance or lease, with non-standard carriers often requiring $1,000–$2,500 deductibles.

Specialized policies for drivers unable to secure standard market coverage due to DUI, multiple violations, lapses, or SR-22 requirements. Approximately 15–20 carriers write non-standard policies in Kansas.