Cheapest SR-22 Car Insurance in Kansas: 2026 Rates and Requirements

Travelers offers the cheapest SR-22 car insurance in Kansas at $62/month for minimum coverage. Compare top providers, rates by violation, and city-level data to find the best SR-22 policy for your situation.

Written by Mark Fitzpatrick

Updated: April 27, 2026

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Key Takeaways

Travelers offers the cheapest SR-22 insurance in Kansas at $62 per month for minimum coverage, tied with State Farm.

Kansas drivers with a DUI pay an average of $77 per month for minimum coverage SR-22 insurance, $30 above the clean-record baseline of $47 per month.

Kansas requires SR-22 filing for three years. A coverage lapse restarts the clock, and credit scores affect SR-22 rates.

Cheapest SR-22 Insurance in Kansas

Travelers and State Farm are tied as the cheapest SR-22 insurance providers in Kansas, both at $62 per month for minimum coverage. Travelers edges ahead on full coverage at $137 per month versus State Farm's $158, a $21 monthly difference. The next cheapest option, GEICO, comes in at $91 per month for minimum coverage, a $29 gap above the two leaders. Kansas drivers with a clean record pay an average of $47 per month for minimum coverage, meaning SR-22 rates run 32% higher than standard rates.

For drivers who need only the state minimum to reinstate a suspended license, Travelers at $62 per month is the strongest starting point. Drivers with a financed vehicle who need full coverage car insurance in Kansas should compare Travelers' $137 monthly full coverage rate against other providers. Those whose credit score took a hit alongside their driving record can find tailored options through car insurance for drivers with bad credit.


Travelers	$62	$137	40%
State Farm	$62	$158	33%
GEICO	$91	$220	6%
Farmers	$128	$258	17%
Progressive	$128	$268	20%

Cheapest SR-22 by Violation in Kansas

Travelers offers the cheapest SR-22 minimum coverage rate for drivers with multiple speeding tickets at $63 per month, the lowest rate across violation categories that require SR-22 filing. Drivers with a hit-and-run violation pay the highest rates, with the cheapest option still running $65 per month for minimum coverage, a $2 monthly gap above the multiple-speeding-ticket category. DUI drivers in Kansas can review additional options through Kansas DUI car insurance and car insurance after a DUI to find the most competitive rate for their specific record.


Drivers With Racing Violation	Geico	$48	$121	41%
Drivers With Other Violations	Geico	$49	$122	30%
Drivers With Racing Violation	Travelers	$56	$127	37%
Drivers With Other Violations	Travelers	$57	$121	27%
Senior Drivers With a Suspension	State Farm	$60	$145	37%
Drivers With Multiple Speeding Tickets	Travelers	$63	$142	26%
Drivers With Hit-And-Run Accident	Travelers	$65	$145	37%

Cheapest SR-22 Insurance in Kansas by City

Salina is the cheapest city for SR-22 insurance in Kansas at $46 per month for minimum coverage, while Wichita is the most expensive at $72 per month, a $26 monthly spread across the state. State Farm leads as the cheapest company in eight of nine Kansas cities analyzed, with Travelers being the exception in Kansas City. Drivers looking to minimize auto insurance costs can review cheapest car insurance in Kansas for broader rate comparisons beyond the SR-22 tier.


Salina	State Farm	$46	$140	29%
Alden	State Farm	$49	$166	25%
Arcadia	State Farm	$53	$160	25%
Topeka	State Farm	$58	$149	30%
Olathe	State Farm	$65	$156	26%
Overland Park	State Farm	$65	$153	30%
Mission	State Farm	$67	$153	32%
Kansas City	Travelers	$69	$151	39%
Wichita	State Farm	$72	$168	29%

Best SR-22 Insurance Companies in Kansas

Travelers leads all SR-22 providers in Kansas on affordability, making it the strongest choice for drivers who need the lowest possible rate to reinstate a suspended license. Its statewide presence and straightforward SR-22 filing process make it especially practical for Kansas drivers working through the three-year requirement.

Progressive ranks second and leads on coverage quality. Its Coverage score is the highest dimension among the top two providers, making it the better fit for SR-22 drivers who carry a financed vehicle and need thorough protection alongside their filing. Drivers who want to compare top-rated options more broadly can review the best car insurance in Kansas and best car insurance companies guides for context beyond the SR-22 tier.


Travelers	4.78	5	3.93	4.62
Progressive	4.47	4.59	4.82	4.13
State Farm	4.46	4.94	2.95	4
Shelter Insurance	4.31	4.7	4.47	3.49
Farmers	4.18	4.39	5	3.49

Top Pick for Cheapest SR-22 Rates in Kansas

Travelers

Travelers offers SR-22 minimum coverage in Kansas at $62 per month, the lowest rate in the state, making it the most accessible option for drivers who need to reinstate a suspended license quickly and affordably. The company holds an NAIC complaint ratio of 0.68, well below the national average of 1.0, reflecting fewer-than-expected customer complaints relative to its market share. Travelers delivers a reliable digital filing experience that simplifies the SR-22 process for Kansas drivers. Travelers holds an AM Best financial strength rating of A++, the highest available.

Top Pick for SR-22 Coverage Quality in Kansas

Progressive

Progressive offers SR-22 minimum coverage in Kansas at $128 per month and leads all ranked providers on coverage quality, making it the strongest choice for SR-22 drivers who carry a financed vehicle and need thorough protection. Progressive's NAIC complaint ratio is 0.84, below the national average of 1.0, indicating better-than-average complaint performance for its size. Progressive's Snapshot telematics program gives SR-22 drivers a realistic path to rate reductions after their violation period stabilizes. Progressive holds an AM Best financial strength rating of A+.

How Much Is SR-22 Insurance in Kansas?

Kansas drivers with a DUI pay an average of $77 per month for minimum coverage SR-22 insurance, compared to $47 per month for a clean-record driver, a 64% increase driven by the high-risk classification that triggers the SR-22 requirement. Other violations such as speeding or texting while driving carry lower SR-22 rates. Drivers can get a precise estimate using the average cost of car insurance in Kansas guide or the car insurance calculator Kansas tool.

Data filtered by:


At Fault Accident ($1000-$1999 Prop Dmg)	State Minimum Liability Only	$70	$839	No Data
Speeding 11-15 MPH over limit	State Minimum Liability Only	$59	$703	No Data
DUI - BAC >= .08	State Minimum Liability Only	$77	$920	No Data
Texting While Driving	State Minimum Liability Only	$59	$706	No Data

SR-22 FILING FEE IN KANSAS

Kansas insurers charge a one-time filing fee to submit your SR-22 to the Kansas Department of Revenue, Division of Vehicles. Fees typically run $15 to $25. This fee is separate from your insurance premium and from the state reinstatement fee, which varies by violation type.

Kansas SR-22 Insurance Requirements

An SR-22 is a certificate of financial responsibility, not an insurance policy, that your insurer files with the Kansas Department of Revenue, Division of Vehicles to confirm you carry the state's required minimum liability coverage. Kansas requires drivers to maintain SR-22 filing for three years from the conviction or reinstatement date. Kansas does not use FR-44; SR-22 is the only financial responsibility certificate required in the state.

A coverage lapse triggers immediate license re-suspension with no grace period, and the three-year clock restarts from scratch. Reinstating your license requires a new SR-22 on file plus a $50 reinstatement fee paid to the Kansas Department of Revenue, Division of Vehicles. Drivers who need a non-owner policy can review options at non-owner SR-22 insurance.

Kansas Minimum Liability Limits

Kansas requires all drivers, including those filing an SR-22, to carry at least 25/50/25 coverage. These are the minimum limits your policy must meet to satisfy the SR-22 requirement.

$25,000 Bodily Injury Per Person

Covers up to $25,000 for injuries to one person in an accident you cause. Kansas's per-person limit matches the national median but falls below the 100/300/100 coverage many financial advisors recommend.

$50,000 Bodily Injury Per Accident

Covers up to $50,000 total for all injured parties in a single accident. If multiple people are hurt, this cap applies to the combined payout regardless of individual injury amounts.

$25,000 Property Damage

Covers damage you cause to another person's vehicle or property. Kansas's $25,000 property damage limit is on the lower end nationally, and a single newer vehicle can exceed this threshold.

Kansas SR-22 Filing Types

Kansas issues two types of SR-22 certificates. Your filing type depends on whether you own the vehicle you drive.

Owners Certificate

Required for drivers who own the vehicle they are insuring. The SR-22 is attached to your personal auto policy and filed with the Kansas Department of Revenue, Division of Vehicles by your insurer.

Operators Certificate

A non-owner SR-22 for drivers who do not own a vehicle. It covers any non-owned vehicle you drive and is filed with the Kansas Department of Revenue, Division of Vehicles. Learn more about non-owner SR-22 insurance and non-owner car insurance in Kansas.

Fees, Lapse Rules, and Filing Process

Kansas SR-22 filing runs through the Department of Revenue, Division of Vehicles, one of the few states in this series where a revenue agency handles the process rather than a DMV or transportation department.

SR-22 Filing Fee

Insurers charge a one-time fee of $15 to $25 at policy inception to file your SR-22. This is separate from your insurance premium and from the state reinstatement fee.

Coverage Lapse Consequences

Any lapse in coverage triggers immediate license re-suspension. There is no grace period in Kansas. The three-year SR-22 clock restarts from scratch, and a new SR-22 plus the $50 reinstatement fee is required before your license can be reinstated.

Filing Process

Your insurer files the SR-22 electronically with the Kansas Department of Revenue, Division of Vehicles. Filing processes within 24 to 48 hours, and the Division of Vehicles confirms receipt within 3 to 5 business days.

WHAT TO DO IF INSURERS DENY YOU COVERAGE

If two or more standard market insurers have denied you coverage, you may be eligible for the Kansas Automobile Insurance Plan (KAIP), which provides state minimum liability coverage (25/50/25) as a coverage of last resort. Apply through any licensed Kansas insurance agent. KAIP rates are higher than voluntary market rates, but the plan keeps you legally covered while you fulfill your SR-22 requirement. Drivers with low incomes can also review low-income car insurance options in Kansas.

SR-22 Insurance in Kansas: Bottom Line

Travelers is the right choice for Kansas SR-22 drivers who need the lowest possible rate to reinstate a suspended license, offering minimum coverage at $62 per month. Progressive is the better pick for drivers with a financed vehicle who need strong coverage protection alongside their SR-22 filing, given its leading coverage quality among ranked providers. Before your three-year SR-22 period ends, confirm with your insurer that the filing will be withdrawn, since a missed cancellation can extend your elevated-rate status beyond the required window. Once your SR-22 obligation is complete, cheapest car insurance in Kansas is a strong next step for finding a competitive standard-market rate.

Frequently Asked Questions About SR-22 Insurance in Kansas

What is the cheapest SR-22 insurance in Kansas?

Travelers offers the cheapest SR-22 insurance in Kansas at $62 per month for minimum coverage, tied with State Farm at the same rate. This baseline reflects drivers with violations that trigger SR-22 requirements, including DUI, racing, hit-and-run, and multiple speeding tickets. Kansas allows insurers to use credit scores as a rating factor, so drivers with poor credit may pay more than this $62 baseline. For a broader look at SR-22 options and what the filing requires, see our guide to SR-22 insurance.

How much does SR-22 insurance cost after a DUI in Kansas?

Kansas drivers with a DUI pay an average of $77 per month, or $924 per year, for minimum coverage SR-22 insurance. That is approximately 64% more than the $47 per month average for a clean-record driver in Kansas. Kansas also requires an ignition interlock device (IID) for DUI convictions, which adds an additional cost on top of the elevated insurance rate. For provider-specific DUI rates and filing guidance, see our Kansas DUI car insurance guide.

How long do you need SR-22 insurance in Kansas?

Kansas requires SR-22 filing for three years from the conviction or reinstatement date. There is no grace period. A coverage lapse triggers immediate license re-suspension and restarts the three-year clock from scratch. A new SR-22 and a $50 reinstatement fee paid to the Kansas Department of Revenue, Division of Vehicles are required before your license can be reinstated.

Does Kansas allow insurers to use credit scores for SR-22 pricing?

Yes. Kansas allows insurers to use credit scores as a rating factor for auto insurance, including for SR-22 drivers. A driver with poor credit pays more than a driver with good credit for the same violation. This differs from California, where Prop 103 prohibits credit-based pricing. Kansas insurers must file their credit scoring models with the state insurance department. Drivers whose credit took a hit alongside their driving record should compare rates from multiple carriers, as pricing models vary.

What is the SR-22 filing fee in Kansas?

Kansas insurers charge a one-time SR-22 filing fee at policy inception, typically $15 to $25. This fee is set by the insurer, not the state, and is separate from your insurance premium. It is also separate from the $50 reinstatement fee paid to the Kansas Department of Revenue, Division of Vehicles to reinstate your license after a suspension.

What happens if I can't get SR-22 insurance in Kansas?

If two or more standard market insurers have denied you coverage, you are eligible for the Kansas Automobile Insurance Plan (KAIP). KAIP provides state minimum liability coverage (25/50/25) as a coverage of last resort and is accessible through any licensed Kansas insurance agent. KAIP rates are higher than voluntary market rates. Drivers in this situation can also review low-income car insurance options in Kansas for additional options.

Clean record baseline rates reflect a 40-year-old male driver with a clean driving record, good credit, and a 2012 Toyota Camry LE driving 12,000 miles annually. Coverage levels analyzed: state minimum liability (25/50/25) and full coverage (100/300/100 with $1,000 deductible). SR-22 rate data draws from ins_auto_state_sr22_personalized_2025 and ins_auto_city_sr22_best_2025. Clean record and violation average comparisons draw from ins_auto_state_personalized_2025.

Rates and scores are updated regularly. Rate data reflects the most recent available data date in each source table.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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