Drivers with Points Insurance
Get a Quote

Kansas SR-22 & High-Risk Auto Insurance

Kansas requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. Filing lasts 2 years and costs $15–$50, but high-risk premiums average $2,400–$4,800 annually depending on violation type. Most speeding tickets and minor violations do not trigger SR-22 requirements.

Compare Kansas Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

White car with severe front-end collision damage showing crumpled hood and broken headlight after accident
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
Updated May 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.

Kansas cityscape and street view
$25,000/$50,000/$25,000
Liability Insurance
Kansas mandates 25/50/25 liability limits, but these minimums leave high-risk drivers financially exposed in serious accidents. A single hospitalization can exceed $25,000, and property damage to newer vehicles often surpasses the $25,000 property limit. Drivers with prior at-fault accidents or violations should consider 100/300/100 limits to reduce out-of-pocket risk and demonstrate financial responsibility to carriers, which can sometimes offset rate increases from a compromised driving record.
$4,500 minimum per person
Personal Injury Protection (PIP)
Kansas requires PIP coverage starting at $4,500 per person, covering medical expenses and lost wages regardless of fault. This is a no-fault benefit that pays immediately after an accident. High-risk drivers should evaluate increasing PIP to $25,000, as medical costs escalate quickly and having adequate coverage prevents gaps that could lead to another lapse—a critical concern for drivers already managing violations or SR-22 requirements.
$25,000/$50,000
Uninsured Motorist Coverage
Kansas requires uninsured motorist (UM) coverage at the same limits as bodily injury liability unless explicitly rejected in writing. Approximately 11% of Kansas drivers are uninsured, meaning drivers with existing violations face elevated risk when hit by an uninsured motorist. UM coverage protects against this gap without triggering rate increases, making it especially valuable for high-risk profiles who cannot afford another claim affecting their record.
Meets state minimum liability
SR-22 Insurance
SR-22 is not a separate insurance policy but a certificate filed by your carrier with the Kansas Department of Revenue proving you maintain continuous coverage at state minimum limits. Required for DUI, suspended license reinstatement, and serious violations, SR-22 filing costs $15–$50 and must remain active for 2 years. Any lapse triggers license re-suspension and restarts the 2-year clock, so maintaining uninterrupted coverage is critical.
Comprehensive + Collision + Liability
Full Coverage
Full coverage combines liability, collision, and comprehensive insurance, protecting both your legal obligation and your vehicle's value. For high-risk drivers with financed or leased vehicles, lenders require full coverage regardless of driving record. Kansas carriers offering non-standard policies may require higher deductibles ($1,000–$2,500) for drivers with DUIs or multiple violations, balancing premium affordability with carrier risk exposure.
State-Mandated Minimum Coverage · Kansas

Kansas Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$100

Meeting the state minimum keeps you legal. See whether it's enough — get your Kansas quote.

Get your Kansas quote

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
Minimum Liability
$200–$350/mo
State minimum 25/50/25 liability with required PIP and UM coverage. Typical for drivers with SR-22 requirements, DUI convictions, or suspended license reinstatement seeking the lowest legal premium.
Standard Liability
$250–$400/mo
Increased liability limits (50/100/50 or 100/300/100) with enhanced PIP coverage. Recommended for high-risk drivers with assets to protect or multiple prior claims who need coverage beyond state minimums.
Full Coverage
$300–$500/mo
Comprehensive and collision added to liability, PIP, and UM. Required for financed vehicles and drivers with DUI or multiple violations who need comprehensive protection despite elevated premiums.

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 Quote
✓ Violation Specialists✓ No Obligation✓ Licensed Carriers✓ All Point Levels

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.

Find Your City in Kansas

Wichita, Kansas cityscape and street view

Wichita

urban
Overland Park, Kansas cityscape and street view

Overland Park

suburban
Downtown city skyline at dusk with illuminated skyscrapers against purple sunset sky

Kansas City

urban
Olathe, Kansas cityscape and street view

Olathe

suburban
Wide river with rocky stone shoreline, bare trees on opposite bank, and bridge visible in distance under clear sky

Topeka

urban
Person with backpack walking on tree-lined campus street with brick buildings and fall foliage

Lawrence

urban
Expansive green grassland prairie with dirt path under blue sky with white clouds

Manhattan

urban
Coastal village with white buildings in a bay beneath a volcanic mountain at sunset

Salina

urban

Frequently Asked Questions

Get Your Free Quote in Kansas