Cheapest SR-22 Car Insurance in Kansas

Progressive offers the cheapest SR-22 insurance in Kansas at $41 monthly for minimum coverage, 46% lower than the state average. For full coverage, American Family is the most affordable at $88.

Auto-Owners offers Kansas' most affordable non-owner SR-22 insurance at $20 monthly or $239 annually. Drivers who need an SR-22 but don't own a car can still get insurance to meet the state's minimum coverage requirements. 

The table below shows providers offering non-owner SR-22 insurance and their average minimum coverage costs.

The average cost of car insurance in Kansas for drivers with an SR-22 is $917 annually for minimum coverage — about 66% more than the $553 clean-record drivers pay.

Full coverage for SR-22 drivers averages $2,204 annually, 62% higher than the $1,359 average for drivers with clean records.

Having an SR-22 form doesn't automatically raise your insurance rates. It's the driving violations on your record that determine costs. Use the table below to compare SR-22 insurance prices for common violations across age groups in Kansas.

An SR-22 is a form proving you have car insurance that meets the state's minimum coverage requirements. Drivers with certain violations must file an SR-22 to reinstate their licenses. Insurers see these drivers as high-risk, leading to higher premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, is often mistaken for an insurance policy. However, it's a certification your insurer files to confirm you have enough insurance to meet the reinstatement requirements under the Kansas Financial Responsibility law.

If you have serious traffic violations, an SR-22 is required for one to three years. This form proves you have the state's minimum coverage. To comply, drivers must meet these requirements:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident
• $4,500 personal injury protection (PIP) per person

In Kansas, SR-22 certificates are usually required for one to three years.

Along with using an SR-22 for one to three years to comply with Kansas' minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Kansas during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the SR-22 period, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, keep your SR-22 insurance coverage for the entire period. You'll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be tougher than for drivers with a clean record, as insurers might cancel your policy or deny coverage when you file.

High-risk drivers in Kansas might find fewer companies offering them coverage, often resulting in limited choices and higher premiums. When getting an SR-22 insurance quote, check with your insurer for the exact fee if filing for the first time. Use the following tips to find cheaper SR-22 insurance:

Non-owner insurance covers people who drive frequently but don’t own a vehicle. It provides coverage when driving someone else’s car. This type of policy is ideal for those renting cars often or driving for rideshare services. It covers third-party injuries or property damage if you cause an accident.

Non-owner car insurance is usually cheaper than standard policies. Compare quotes from different insurers to find the best rates. Once you buy a non-owner policy, your insurer can file an SR-22 form to ensure compliance with state law, allowing license reinstatement after the three-year period.

Kansas drivers with serious offenses need an SR-22 to prove they have state minimum coverage. For severe or repeated offenses, keep the form for one to three years. While SR-22 insurance rates are higher, you can still find cheap car insurance providers in Kansas.

Below are frequently asked questions about SR-22 certifications in Kansas:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Kansas drivers with various profiles and needs.

Kansas Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Kansas' minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident
• $4,500 personal injury protection (PIP) per person

PIP per person includes:

• $4,500 for medical expenses
• $900 a month for up to a year of disability or loss of income coverage
• $25 a day for in-home services
• $4,500 for rehabilitation-related expenses
• $2,000 for funeral, burial or cremation expenses

Survivors' benefits also include up to $900 per month for a year for disability or loss of income and $25 per day for in-home services.

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.