SR22 Insurance Kansas: Discover Costs, Requirements, and Providers

By Randy Luton | Last Updated: 11/01/2023

The vast plains of Kansas, with its picturesque landscapes and open roads, beckon drivers to explore its beauty. However, for some, the journey isn’t as smooth. High-risk drivers, in particular, face unique challenges, especially when it comes to insurance requirements. This article delves deep into the intricacies of SR-22 insurance in Kansas, shedding light on its nuances and offering guidance for those in need.

What is SR22 insurance Kansas?

SR22 insurance Kansas, often known as “Kansas SR22,” isn’t a type of insurance itself. Instead, it’s proof that a high-risk driver has the required minimum liability insurance as mandated by the state. High-risk drivers are usually those who have committed serious traffic offenses like DUIs or reckless driving. This certificate assures the state that these individuals are appropriately insured.

In Kansas, SR 22 insurance follows specific rules. If you’ve been convicted of certain traffic violations such as a DUI, reckless driving, or driving without insurance, you may need to obtain an SR 22 certificate. This document ensures that you’re maintaining car insurance coverage, protecting others on the road in case of an accident.

What are the requirements for SR-22 insurance in Kansas?

The SR-22 insurance requirement in Kansas mandates that drivers carry a minimum liability coverage of:

  • $25,000 if one person is injured or killed in an accident
  • $50,000 if two or more people are injured or killed in an accident
  • $25,000 if an accident damages property

It’s paramount to understand that these figures represent the bare minimum. Many experts recommend higher coverage to safeguard against potential financial pitfalls.

What is the average cost of SR22 insurance Kansas?

In Kansas, drivers with a DUI on their record often need an SR 22. For basic coverage, they may pay around $405 to $705 annually. while full coverage costs around $1,729. Even minor infractions, such as speeding tickets or accidents, can lead to an SR-22 requirement, causing premiums to rise.

It’s essential to understand that SR22 insurance is crucial in Kansas and can impact your costs, whether for serious violations or lesser offenses. Make sure to stay informed to meet legal requirements and manage your expenses effectively.

How long do you need an SR22 in Kansas?

In Kansas, it’s essential to hold an SR 22 for a minimum of one year. If your policy is canceled due to non-payment or not meeting the requirements, you might encounter more consequences, such as losing your right to drive. 

Which companies offer SR22 insurance in Kansas?

Numerous esteemed car insurance companies in Kansas offer SR22 insurance. Among the notable options are:

However, it’s worth noting that while many companies provide SR 22 insurance, not all might be willing to insure high-risk drivers. Hence, it’s essential to inquire directly and obtain multiple quotes.

What is non-owner SR22 insurance Kansas?

Non-owner SR22 insurance in Kansas serves individuals without a personal vehicle who still need SR-22 certification. This non-owner policy safeguards the driver, not the specific car, ensuring compliance with the state’s minimum liability mandates when using a borrowed or rented vehicle. It provides an essential layer of protection for those in need. 

For residents seeking car insurance companies in Kansas, understanding this option is crucial. This unique coverage caters to a specific demographic, offering peace of mind and legal compliance for those navigating life without a personal vehicle.

How much is a non-owner SR22 insurance Kansas?

Non-owner SR-22 insurance, required by some high-risk drivers, typically costs between $15 and $25 Monthly. This includes a filing fee with the DMV. It’s about 3% more expensive than regular non-owner insurance due to a high-risk surcharge. Costs vary by location and required coverage. Importantly, non-owner SR22 only covers the driver, not the car, making it generally more affordable than standard SR 22 coverage. If you’re in Kansas seeking SR-22 insurance information, this is key to know.

How to get SR-22 insurance in Kansas?

Obtaining SR-22 insurance in Kansas is a straightforward process:

  1. Contact your auto insurance provider and request an SR-22 certificate.
  2. Pay the filing fee, which is typically nominal.
  3. Ensure your insurance coverage meets Kansas’s minimum liability requirements.
  4. Once filed, the insurance company will send the SR-22 certificate to the Kansas Department of Revenue.

Understanding the nuances of SR22 insurance in Kansas is vital for those who find themselves needing this specialized coverage. Whether you’re a high-risk driver or simply seeking knowledge, it’s essential to be informed. By familiarizing yourself with the requirements, costs, and providers, you can navigate the SR 22 landscape with confidence and ease.

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Editorial Guidelines: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.

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Randy Luton is the Founder and CEO of RateForce. He is passionate about InsurTech services and has in-depth knowledge about the auto insurance sector of the USA.