Cheapest SR-22 Car Insurance in Kansas

State Farm sells Kansas's lowest SR-22 insurance at $760 for minimum coverage and $1,931 for full coverage. The minimum premium is $934 under the state average of $1,694, putting State Farm roughly 55% below typical SR-22 pricing in Kansas.  

Farmers, the most expensive provider on our list, charges $1,323 for minimum coverage, still 22% below the state average, yet $563 more than State Farm. Large pricing gaps make it possible for Kansas drivers to find finding cheaper coverage after violations with the right insurer.

You can view the five cheapest SR-22 insurers in Kansas in the table below.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers most frequently wins categories statewide. The cheapest category is Drivers With Racing Violation, at $582 for minimum coverage SR-22 insurance with GEICO, while the most expensive is Young Drivers With a Suspension, at $815 with Travelers. That difference underscores how youthful suspension histories spike SR-22 premiums.

Expect your pricing to change based on your specific violation and how long it remains on your driving record.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Salina offers the lowest minimum coverage SR-22 rate at $583 (Travelers), while Wichita averages $867 (Travelers). The $284 difference equals about 49% higher in Wichita, consistent with larger metro driving risks.

Local traffic density, claim activity, and repair costs are key inputs insurers use to set city-level SR-22 rates in Kansas.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers is the best best car insurance provider for SR-22 filing because it offers the greatest balance of affordable rates, good customer service, useful coverage options and the highest overall MoneyGeek score. However, you should also consider Progressive, State Farm, Shelter and Farmers in your search.

Kansas drivers pay an average of $1,181 annually for SR-22 minimum coverage insurance and $2,593 for full coverage policies. Kansas ranks as the 10th most affordable for minimum coverage and 13th for full coverage nationwide. Car insurance costs vary widely based on driver profiles, ranging from $65 to $860 monthly.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Our analysis shows Salina offers the lowest SR-22 minimum coverage rates in Kansas at $78 monthly, while Kansas City has the highest at $112 per month. Below you can review costs for major cities in the state for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with Kansas laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. It can be extended beyond this period, depending on the violation and if there is noncompliance with requirements or repeated offenses.

While filing an SR-22 helps meet Kansas minimum coverage requirements, drivers must also comply with several other important insurance regulations and state laws.

In Kansas, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 2 to three years for most violations, though serious offenses like DUIs require up to 10 years of filing. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Kansas:

MoneyGeek analyzed hundreds of thousands of quotes across Kansas to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Kansas SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Kansas's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.