Cheapest SR-22 Car Insurance in Kansas (2024)

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.

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.

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.

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.

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.

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.

Aside from the increased insurance premiums, filing an SR-22 in Kansas could have other effects on your insurance coverage. These possible consequences include:

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.

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.

Here, MoneyGeek answers the most frequently asked questions regarding insurance for Kansans with SR-22s.