Updated March 2026
State Requirements
Kansas requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage (25/50/25). Personal injury protection (PIP) is mandatory at $4,500 per person with an option to increase to $25,000. Uninsured motorist coverage is also required at the same limits as bodily injury liability. SR-22 filing is required for DUI convictions, driving while suspended, at-fault accidents without insurance, and accumulating 3 moving violations within 12 months.
Cost Overview
High-risk auto insurance in Kansas costs $2,400–$4,800 annually for drivers with DUI convictions, SR-22 requirements, or multiple violations—roughly 150%–300% more than standard rates. Kansas uses a point system where violations remain on your driving record for 3 years, and rates typically decrease incrementally as violations age. Shopping non-standard carriers like The General, Direct Auto, and Acceptance Insurance often yields significantly lower rates than standard carriers for compromised driving records.
What Affects Your Rate
- Violation type: DUI increases rates 150%–300%, while speeding tickets typically add 20%–40%
- SR-22 filing requirement adds $15–$50 filing fee plus 50%–100% premium increase
- Number of points on license: Kansas assigns 3 points for most moving violations, with suspension at 3 violations in 12 months
- Time since violation: rates decrease as violations age beyond 1 year and typically normalize after 3 years
- Vehicle value and coverage level: collision and comprehensive deductibles increase to $1,000–$2,500 for high-risk profiles
- Carrier specialization: non-standard carriers often offer 30%–50% lower rates than standard carriers for drivers with violations
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Kansas requires 25/50/25 minimums, but a single serious accident can exceed these limits, leaving you personally liable for the difference.
SR-22 Insurance
Certificate filed by your carrier proving continuous coverage to the Kansas Department of Revenue. Required for DUI, suspended license reinstatement, and serious violations.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, or multiple violations. Non-standard carriers specialize in high-risk profiles and often offer substantially lower rates than standard carriers.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Kansas requires UM coverage at the same limits as your liability unless you reject it in writing.
Full Coverage
Combines liability, collision, and comprehensive coverage, protecting both your legal obligation and your vehicle's value. Required by lenders for financed or leased vehicles.
Personal Injury Protection
Covers your medical expenses and lost wages regardless of fault. Kansas requires $4,500 minimum PIP, with optional increases to $25,000.
