Cheapest SR-22 InsuranceKansasCheapest SR-22 Car Insurance in Kansas (2023)
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State Farm and Progressive offer the cheapest SR-22 insurance in Kansas at about $308 and $379 per year for minimum coverage. If you don't own a car but still need auto insurance, Auto-Owners Insurance and State Farm have the best non-owner rates for SR-22 filers, coming in at $239 and $296, respectively.
Filing an SR-22 and maintaining insurance is mandated for drivers convicted of a DUI, DWI or numerous driving violations. The form must be registered with the state to ensure they have the proper insurance coverage for high-risk drivers. We reviewed the least expensive insurance companies for car owners and non-owners in Kansas.
Cheapest SR-22 InsuranceKansasCheapest Companies for SR-22 Car Insurance in Kansas
Cheapest for SR-22 - State Farm
Cheapest for Non-Owner SR-22 - Auto-Owners and American National
Cheapest Companies for SR-22 Car Insurance in Kansas
The following carriers are the two most affordable SR-22 auto insurance providers in Kansas for motorists with DUIs on their records. These rates are for the minimum coverage policy.
- State Farm: $308 per year
- Progressive: $379 per year
For a full coverage policy, the cheapest insurers are:
- State Farm: $922 per year
- American Family: $994 per year
Car insurance gets more expensive after a driving violation because the insurance companies consider you a high-risk driver. However, it’s not impossible to find affordable SR-22 car insurance coverage with the right provider. For example, the table below shows the top cheapest car insurance companies for SR-22 car insurance in Kansas and their rates, with the minimum rate being $308 and the maximum being $1,159.
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What Is SR-22 in Kansas?
SR-22 is a mandated certificate of financial responsibility, not an insurance policy. You may need one after a DUI or DWI, multiple traffic tickets or other violations. Depending on the situation, violation and driving record, the coverage requirement may last up to three years.
When filing for your SR-22, your insurance rates may increase due to being considered a higher-risk driver. The SR-22 must remain on file with the Department of Motor Vehicles for a designated period, usually three years. Your insurer is responsible for filling out the SR-22 form and submitting it to the Kansas DMV. This document outlines your coverage liabilities, including policy limits for the three required coverages: Bodily injury, Property damage and Uninsured motorist.
Even though SR-22s aren't insurance policies, you'll see the phrase "SR-22 insurance" used throughout this piece to keep things simple.
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When the mandatory SR-22 filing period is over, the insurance company needs to file a Financial Responsibility Cancellation Form (SR-26) with the Kansas DMV. This shows the driver has met the financial responsibility requirements to complete their SR-22 filing period. At this time, insurance rates may or may not go down.
Cheapest Companies for Non-Owner SR-22 Car Insurance in Kansas
In Kansas, you can get the most affordable non-owner car insurance from the following companies.
- Auto-Owners Insurance: $239 per year
- State Farm: $296 per year
For folks affiliated with the military, USAA could be the cheapest option, averaging $261 annually for drivers in Kansas.
If you don't own a car and your license got revoked or suspended due to a DUI or another serious traffic offense, non-owner car insurance is essential to get your license back. We reviewed the premiums of non-owner auto insurance providers in Kansas and found they range from $239 to $677 per year.
WHAT IS NON-OWNER CAR INSURANCE?
Non-owner car insurance covers third-party bodily injury and property damage caused by non-owned vehicles. It's for those who frequently rent cars or borrow vehicles.
Average Cost of SR-22 Car Insurance in Kansas
In Kansas, a driver with an SR-22 and DUI on their record typically pays around $705 for minimum coverage and $1,729 for full coverage car insurance. However, even offenses considered "minor," like speeding tickets or being at fault in an accident, may require an SR-22. Your premium is likely to increase in this situation, too.
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To consistently get the best rates for SR-22 insurance in Kansas, shop around and compare rates at each renewal or annually. Doing so can help you get the lowest possible price for your coverage.
How SR-22 Affects Car Insurance Rates in Kansas
In Kansas, those with SR-22s pay an average of $286 more than those with clean records. Insurers consider drivers with SR-22s higher risk, and your rate during the certification period generally remains high.
Car Insurance Rate Comparison Based on Driving Records in Kansas
Clean Driving Record
Annual Premium for Minimum Coverage
$419
After a DUI
Annual Premium for Minimum Coverage
$705Car insurance premiums after a DUI are on average:$286 more
This is 68% more expensive.
Other Effects of SR-22 on Car Insurance in Kansas
Aside from the increased insurance premiums, filing an SR-22 in Kansas could have other effects on your insurance coverage. These possible consequences include:
1
Limited number of insurance options
Drivers who file SR-22 have fewer insurance providers to choose from, making it challenging to find a suitable option.
2
Possible policy cancellation
Your insurance company might choose to cancel your current policy due to the filing of the SR-22.
3
Length of required filing
Depending on the reasons for filing and the circumstances, you may have to maintain the filing for one to three (and sometimes five) years in Kansas.
4
Higher liability coverage limits
In some states, the minimum liability coverage limits increase when you file an SR-22. In Kansas, this isn't the case, and the limits remain the same:
- $25,000 in bodily injury liability
- $50,000 in total bodily injury per accident
- $25,000 in property damage liability
- $25,000 in uninsured/underinsured motorist bodily injury liability
- $50,000 in total uninsured/underinsured motorist bodily injury
5
Filing fees
Some states require you to pay a one-time SR-22 filing fee, typically from $15 to $50.
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How to Get SR-22 Insurance in Kansas
You need the right car insurance to ensure you remain compliant with Kansas laws. To get the right SR-22 insurance, you must take the following steps:
- Find an insurance company offering insurance to drivers with violations on their driving records.
- Purchase an insurance policy meeting the minimum liability requirements in Kansas.
- Ask your insurance company to file an SR-22 form on your behalf and pay any associated fees.
- Renew your SR-22 as necessary.
Following these steps is essential for you to remain compliant if you have had a violation on your driving record.
KANSAS LICENSE REINSTATEMENT FEE
The cost to reinstate a driver's license in Kansas typically depends on the circumstances. Generally, the fees range from $75 to $150. Check with your local DMV for your specific license reinstatement cost.
How to Get Cheaper Car Insurance in Kansas After a DUI
When you file an SR-22 after a DUI conviction in Kansas, expect to pay more for car insurance. That said, there are steps you can take to lower your SR-22 car insurance costs.
Compare quotes immediately
Comparing insurance companies in your area can help you identify the best DUI insurance rates. Check with multiple companies to compare their DUI insurance options.
Complete DUI classes or programs
Enrolling in DUI programs can reduce the likelihood of future offenses and lower your premium rates. Platforms like DUI Law Center offer eight- and 16-hour DUI classes and a one-hour victim impact panel. Completing any of these may earn you a discount with some insurance companies.
Look for discounts
Many car insurance companies offer discounts for various circumstances, so it’s always worth seeing if you qualify for any. This can include discounts for having multiple cars under the same policy or being a certain age.
Practice safe driving
Prove you're capable of responsible behavior while behind the wheel. If possible, drive less often. Review and obey all Kansas driving laws.
Shop rates over time
Insurance prices change over time, so shop around periodically. Request quotes from different companies to see if you can find a better rate.
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Non-standard auto insurance covers drivers who may not otherwise qualify due to their driving records or other risk factors. These policies typically have higher premiums than traditional auto insurance, but that's far better than illegally driving without insurance.
Frequently Asked Questions About SR-22 Insurance in Kansas
Here, MoneyGeek answers the most frequently asked questions regarding insurance for Kansans with SR-22s.
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