Kansas SR-22 & High-Risk Auto Insurance
Kansas requires 25/50/25 liability coverage and is a no-fault state.
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Kansas 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
No
A defensive driving course does not remove points here
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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.
Liability Insurance
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
SR-22 Insurance
Full Coverage
Cost Overview
$266–$283/mo
Typical monthly rate in Kansas, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- 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
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See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 stay on file in Kansas?
Kansas requires SR-22 filing for 2 years from the date your carrier files the certificate with the Kansas Department of Revenue. Any lapse in coverage during this period restarts the 2-year requirement and triggers immediate license suspension. The SR-22 filing itself does not remain on your driving record after the 2-year period ends, though the underlying violation does.
How many points suspend your license in Kansas?
Kansas suspends your license if you accumulate 3 moving violations within a 12-month period, regardless of total points. Individual violations carry varying point values (most are 3 points), but the suspension trigger is violation count, not point total. Points remain on your driving record for 3 years and affect insurance rates throughout that period.
How long do points stay on your license in Kansas?
Points remain on your Kansas driving record for 3 years from the date of conviction. Insurance carriers typically surcharge for violations during this full 3-year period, though rate increases often decrease after the first year. After 3 years, the points are removed and no longer affect insurance rates or contribute to suspension thresholds.
Can I get insurance with a suspended license in Kansas?
Most carriers will not issue a new policy while your license is actively suspended, but you can purchase coverage to meet SR-22 filing requirements for reinstatement. Non-owner SR-22 policies are available for suspended drivers who do not own a vehicle but need to file proof of financial responsibility. Once the SR-22 is filed and reinstatement fees are paid, the Kansas Department of Revenue will lift the suspension.
Coverage 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.