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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.

White car with severe front-end collision damage showing crumpled hood and broken headlight after accident

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.

Minimum Liability
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
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
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.

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

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Find Your City in Kansas

Wichita, Kansas cityscape and street view

Wichita

urban
Overland Park, Kansas cityscape and street view

Overland Park

suburban
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Kansas City

urban
Olathe, Kansas cityscape and street view

Olathe

suburban
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Topeka

urban
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Lawrence

urban
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Manhattan

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

Salina

urban

Frequently Asked Questions

Sources

  • Kansas Department of Revenue - Driver's License Bureau
  • Kansas Insurance Department - Consumer Assistance Division
  • Kansas Statutes Annotated § 40-3107 (Financial Responsibility)

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