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Key Takeaways

  • When looking for affordable Kansas auto insurance, drivers who need an SR-22 can get the best deal with American Family, which has an average yearly cost of $388.
  • To submit an SR-22 certificate, you must purchase at least the minimal level of liability motor insurance coverage mandated by Kansas.
  • It could be tough to obtain insurance to renew your license if you don't even own an automobile. So look into non-owner SR-22 insurance in this case.
  • Every day that passes after you get the insurance brings you one step further to the end, so long as you keep a clean record and maintain monthly coverage.

What is an SR-22 in Kansas?

A Kansas motorist who has been found guilty of any high-risk driving crime, such as DUI or reckless driving, must obtain SR-22 insurance. The insurance provider will submit this form to attest that the driver's motor insurance policy meets the legal minimum coverage requirements.

In Kansas, SR-22 insurance coverage is the same as a standard motor insurance policy. However, the driver's insurance will cost extra due to the infraction on their record. According to information compiled by Way.com, American Family offers the cheapest SR-22 insurance in Kansas, with an average annual cost of $388.

Who Needs SR-22 Insurance in Kansas? And for How Long Do They Need It?

Each state has its regulations that specify which offenses necessitate SR-22 insurance. If you're guilty of any of the following serious offenses, you'll need to apply for SR-22 insurance in Wisconsin and other states:

SR-22s are often not required for minor offenses. After an incident or citation, you should try to browse around and compare costs to locate affordable insurance. The insurance cost will probably be lower for these infractions than those that call for an SR-22 policy.

Which companies offer the cheapest SR-22 rates in Kansas?

In Kansas, SR-22 insurance is more expensive than a conventional policy due to the seriousness of the traffic infraction. There isn't much of a price for the form itself. On the other hand, high-risk charges like DUI or careless driving will significantly raise your auto insurance cost. For example, drivers in Kansas with SR-22 insurance due to a DUI must pay an average of $704 annually for the minimum liability coverage. On average, those who don't require an SR-22 form spend $448 annually.

The cheapest option for drivers who require an SR-22 while shopping for cheap Kansas auto insurance is American Family, which has an average annual cost of $388. However, MetLife policyholders often pay the highest rate, with an average yearly cost of $1,057 for SR-22 insurance.

Company Average Annual Premium
American Family $388
State Farm $456
Progressive $507
Farmers $634
USAA $665
All State $765
Travelers $1004
Nationwide $857
MetLife $1057

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How Much Does Credit Score Affect SR-22 Insurance Costs in Kansas?

If you have poor credit, violations that result in an SR-22 requirement will cost you more: Drivers of SR-22s with bad credit face an average monthly rate increase of $46, compared to those with outstanding credit, who only experience a $5 rate rise.

Credit Tier Average Annual Rate-No Violation Average Monthly Rate-SR-22
Excellent $1896 $1956
Good $2112 $2604
Average $2136 $2640
Poor $2304 $2856

How do I get SR-22 insurance in Kansas?

Don't just accept the first SR-22 insurance coverage you discover because it's difficult to obtain one. With only a few clicks and minutes, Way.com will allow you to compare insurance rates from companies around Kansas while saving you money.

How Much Do SR-22 Insurance Raise Premiums in Kansas?

In Kansas, an SR-22 raises the price of car insurance by about $29. That amounts to about 5% more than a Kansas resident spends on average for auto insurance.

How to File SR-22 Documentation in Kansas?

Buy at least the minimum amount of liability auto insurance coverage required by Kansas to file an SR-22 certificate. The insurance provider will submit your SR-22 on your behalf to the Kansas Division of Vehicles (DOV).

When can I remove my SR-22 in Kansas?

Upon conviction for DUI in Kansas or while entering a diversion program for a DUI charge, you must file an SR-22 for 12 continuous months. Your 12-month crucial period will start over if your insurance ultimately lapses.

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Non-owner SR-22 insurance in Kansas

When you don't even have a car, it might be difficult to get insurance to get your license renewed. In this situation, look into non-owner SR-22 insurance. If the cars don't belong to your roommates or spouse, you could save a lot of money, start counting down the months until you no longer need an SR-22, and yet have insurance to drive them regularly.

Company Average Annual Premium
State Farm $328
Progressive $358
USAA $378
Travelers $536
Farmers $560
Nationwide $643
MetLife $1010

Alternatives to an SR-22 in Kansas

If you are required to carry an SR-22, there are no other ways to get back on the road. Fortunately, the requirement's one- to three-year duration is shorter than in most states. As long as you maintain a clean record and regular coverage, every day after you get the insurance moves you one step closer to the final.

Summary: SR-22 Insurance in Kansas

   
SR 22 Needed After Major traffic violations and traffic suspension
Required For 1 Year
Average Cost Increase $41
Min Physical Injury Liability coverage $25000 per person/$50000 per accident
Min Property Damage Liability Coverage $25,000
Additional Coverage $25000 per person/$50000 per accident in uninsured motorist coverage, $4500 in PIP

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

How much does SR-22 insurance cost compare to a standard policy in Kansas?

Drivers of SR-22s with bad credit face an average monthly rate increase of $46 compared to those with outstanding credit, who only experience a $5 rate rise.

Which company in Kansas is the cheapest for SR-22 insurance?

The cheapest option for drivers who require an SR-22 while shopping for cheap Kansas auto insurance is American Family, which has an average annual cost of $388.

How long do Kansas drivers need an SR-22?

Each state has its regulations that specify which offenses necessitate SR-22 insurance. If you're guilty of serious offenses, you'll need to apply for SR-22 insurance in Wisconsin and other states.

What happens to my SR-22 in Kansas if I move?

In your new state, you'll probably still need to have SR-22 insurance. Whether your state requires SR-22 insurance or not depends on where you live. You'll probably need to change your insurance, license, and plates upon moving to a new state.

Do I need an SR-22 in Kansas if I don't have a car?

It can be tough to obtain insurance to renew your license if you don't even own an automobile. So, look into non-owner SR-22 insurance in this case.

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