Kansas SR-22 & High-Risk Auto Insurance
Kansas requires 25/50/25 liability coverage and is a no-fault state.
Find SR-22 Coverage NowKansas 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 with DUI convictions, suspended licenses, multiple moving violations, at-fault accidents while uninsured, or failure to maintain required coverage trigger SR-22 filing requirements through the Kansas Department of Revenue. High-risk drivers often face challenges meeting these minimums with standard carriers and should verify SR-22 availability before purchasing coverage.
Liability Insurance
SR-22 Insurance
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Comprehensive and Collision Coverage
Cost Overview
$327–$421/mo
Typical monthly rate in Kansas, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Type of violation: DUI convictions increase premiums more than speeding tickets or minor at-fault accidents
- ZIP code and garaging location: Urban areas like Wichita and Kansas City have higher rates due to accident frequency and uninsured driver rates
- Vehicle type and age: Older vehicles with liability-only coverage cost significantly less than full coverage on financed vehicles
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf 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 in Kansas?
Kansas requires SR-22 filing for 2 years from the date your insurer files the certificate with the Kansas Department of Revenue. If your policy lapses or is cancelled at any point during those 2 years, the requirement period restarts from the date you refile. Maintain continuous coverage with an SR-22-approved carrier to avoid extending the requirement.
What triggers SR-22 requirement in Kansas?
Kansas requires SR-22 for DUI or DWI convictions, driving with a suspended or revoked license, at-fault accidents without insurance, multiple moving violations within 12 months, failure to maintain required coverage, and convictions for reckless driving or fleeing from law enforcement. The Kansas Department of Revenue determines SR-22 requirements based on the severity and frequency of violations.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer with the Kansas Department of Revenue proving you carry at least 25/50/25 liability and $4,500 PIP coverage. Required for 2 years with no lapses or the period restarts.
Liability Insurance
Covers injuries and property damage you cause to others. Kansas's 25/50/25 minimum is frequently insufficient for serious accidents, leaving high-risk drivers personally liable for excess damages.
Personal Injury Protection (PIP)
Mandatory no-fault coverage in Kansas providing $4,500 minimum for medical expenses, lost wages, and rehabilitation regardless of fault. Cannot be waived if your policy includes SR-22 filing.
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or inadequate limits. Kansas insurers must offer UM/UIM equal to your liability limits unless you reject it in writing.
Comprehensive Coverage
Covers non-collision damage to your vehicle from theft, vandalism, hail, fire, or animal strikes. Required by lenders if you finance or lease.
Collision Coverage
Pays for damage to your vehicle after an accident regardless of fault. Required by lenders and often the most expensive component of full coverage for high-risk drivers.