Cheapest SR-22 Car Insurance in Kansas (2024)

An SR-22 is a certification of financial responsibility, not an actual car insurance policy. In Kansas, you or your insurer file it following a moving violation to prove you meet the state's minimum coverage requirements. While the SR-22 form itself doesn't affect your rates, the violations necessitating it, such as DUIs or serious traffic offenses, can significantly increase your premiums.

Progressive offers the most affordable minimum coverage SR-22 insurance at around $492 per year, followed closely by State Farm at $541 annually. For those who don't own a car but still require SR-22 insurance, the cheapest options are from Auto-Owners at an average annual rate of $239 and State Farm at $296 per year.

The most affordable options for state minimum coverage SR-22 car insurance in Kansas are:

• Progressive: $41 per month; $492 per year
• State Farm: $45 per month; $541 per year

For those needing comprehensive protection, the cheapest companies for full coverage car insurance with an SR-22 in Kansas are:

• American Family: $88 per month; $1,050 per year
• State Farm: $124 per month; $1,492 per year

After a moving violation, expect to pay more for car insurance as insurers now see you as a high-risk driver. Despite this, finding cheap SR-22 car insurance is still possible by comparing quotes from various insurers. In Kansas, it's particularly important to look for the most cost-effective provider to manage expenses while meeting legal requirements.

The companies with the cheapest non-owner SR-22 insurance in Kansas are:

• Auto-Owners: $20 per month; $239 per year
• State Farm: $25 per month; $296 per year

Non-owner car insurance can satisfy the liability coverage requirements for individuals who need to file an SR-22 but don't own a vehicle. This requirement is often due to license suspension, revocation or serious traffic offenses. For non-owner drivers, finding the most affordable provider is crucial to ensure they meet legal requirements without overpaying for their insurance coverage.

An SR-22 is a certification your insurance company files with Kansas to prove you have the state minimum coverage. It's not an insurance policy but a document required for certain moving violations like DUI, driving without insurance or repeat traffic offenses. In Kansas, those mandated to have an SR-22 need it for one year. If an SR-22 has been canceled, terminated or lapsed, your insurer must notify the state's Public Safety Department.

An SR-22 insurance is proof that you carry at least:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• Personal injury protection with benefits ($4,500 per person for medical expenses, $900 a month for up to a year for 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 are also part of the coverage, providing up to $900 per month for a year for disability or loss of income and $25 per day for in-home services.

Even without a car, you'll need SR-22 non-owner car insurance. Remember, an insurance card can't replace an SR-22 form.

If you have a DUI, have been caught driving without insurance or have other serious traffic offenses in Kansas, you may need to file an SR-22. This document proves you have minimum coverage auto insurance, which is required to keep your driver's license. It's not just for DUIs; several violations can trigger this need. You or your insurance company must submit an SR-22 for at least one year. These specific convictions require an SR-22, ensuring you stay informed and on the road legally:

Filing an SR-22 in Kansas can lead to higher insurance rates and fewer options for minimum coverage. You might even be denied insurance or have your policy canceled mid-term. Remember, keeping your insurance active is key because any break in coverage can reset the clock on your SR-22 requirement; it typically lasts one year in the Sunflower State.

Knowing the stakes of not filing an SR-22 is vital. It helps you avoid further penalties and ensures you meet legal obligations for maintaining your driving privileges. These are the negative effects an SR-22 can have on your car insurance in Kansas:

Drivers with a DUI in Kansas pay an average of $2,187 annually for full coverage SR-22 car insurance and $921 for state minimum. In contrast, those with a clean record pay around $1,325 per year for full coverage and $548 for state minimum. The severity of your offense significantly impacts your premiums.

The SR-22 certificate doesn't raise rates, but the violations do. Repeat offenders or those with severe violations may face nonrenewal or higher rates upon renewal.

Filing an SR-22 in Kansas is mandatory following DUIs or serious traffic violations. Failure to file can result in license suspension and fines. The document verifies minimum liability coverage for at least one year. Here are the steps to secure an SR-22 in Kansas:

If your SR-22 in Kansas lapses, your driving rights can be taken away again. You need SR-22 to reinstate your license after certain mistakes, like a DUI. Keep your minimum coverage auto insurance up to date to avoid legal trouble. Your insurance company will tell Kansas if your SR-22 stops. Stay covered and keep driving legally.

A violation like a DUI can raise your premiums. For instance, a 30 to 59-year-old driver with a clean record pays about $548 annually for state minimum coverage, while the same person with a DUI might pay around $921. That's $46 vs. $77 per month.

However, you can still find car insurance after a DUI without breaking the bank. Kansas drivers needing an SR-22 can find the cheapest rate by comparing insurers and understanding the state's minimum liability requirements.

Finding affordable SR-22 car insurance in Kansas can be challenging, but it's not impossible. Get the answers to secure a policy that meets your needs and budget.