Kansas SR-22 & High-Risk Auto Insurance
Kansas requires 25/50/25 liability coverage and is a no-fault state.
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Kansas at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers convicted of DUI, caught driving without insurance, or accumulating multiple moving violations within 12 months must file SR-22 proof of financial responsibility with the Kansas Division of Vehicles. High-risk drivers often need above-minimum limits to secure SR-22 coverage from non-standard carriers.
Liability Insurance
SR-22 Insurance
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
Collision & Comprehensive Coverage
Cost Overview
$34/mo
Typical monthly rate in Kansas, non-owner policies
Rate data: Insure.com, 2026
What Affects Your Rate
- Kansas point system: 3 moving violations in 12 months triggers suspension and SR-22, compounding rate increases
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf your license is suspended
Restricted driving privileges (KDOR modification of suspension)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 insurance in Kansas?
Kansas requires SR-22 filing for 3 years from the date of filing. If your policy lapses or is cancelled during this period, your license is immediately suspended and the 3-year requirement restarts from the date you refile with a new carrier. The Kansas Division of Vehicles receives electronic notification within 10 days of any SR-22 policy cancellation.
Which violations require SR-22 filing in Kansas?
Kansas requires SR-22 for DUI/DWI convictions, driving without insurance, accumulating 3 or more moving violations within 12 months, at-fault accidents without insurance, and license suspensions for driving-related offenses. Reckless driving and fleeing police convictions also trigger SR-22 requirements. The filing lasts 3 years from the date the Kansas Division of Vehicles receives your SR-22 certificate.
Coverage Types
Liability Insurance
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.
SR-22 Insurance
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.
Uninsured Motorist Coverage
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.
Personal Injury Protection
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.
Collision Coverage
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.
Non-Standard Auto Insurance
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.