Kansas SR-22 Insurance & High-Risk Auto Quotes
Kansas requires 25/50/25 liability coverage and is a no-fault state.
Get Quotes Based on Your RecordKansas at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
No
A defensive driving course does not remove points here
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Kansas
Drivers with DUI convictions, at-fault uninsured accidents, repeat violations, or license suspensions typically must file SR-22 proof of financial responsibility with the Kansas Department of Revenue for 3 years. High-risk drivers should consider coverage above minimums, as liability-only policies at state limits leave you personally exposed for damages exceeding those caps.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Personal Injury Protection (PIP)
What Drivers Pay in Kansas
$266–$283/mo
Typical monthly rate in Kansas, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- SR-22 duration remaining: some carriers reduce surcharges after 2 years of clean driving within the 3-year period
- Vehicle type: insuring a financed newer vehicle with full coverage while SR-22 is active doubles costs compared to liability-only on an older car
Get a Rate That Matches Your Record Today
Get Quotes Based on Your RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Kansas minimums are 25/50/25, but a two-car accident with injuries can exceed $100,000 in medical costs alone, leaving you personally liable for the difference.
SR-22 Insurance
Certificate filed by your carrier to the Kansas Department of Revenue proving continuous coverage. Required after DUI, suspension, uninsured accidents, or repeat violations, typically for 3 years.
Non-Standard Auto Insurance
Policies from carriers that specialize in high-risk drivers, including those with DUI, suspensions, SR-22 requirements, or multiple violations. These carriers accept risk standard insurers decline.
Uninsured Motorist Coverage
Protects you if an at-fault driver has no insurance or insufficient limits to cover your injuries. Kansas requires 25/50 UM/UIM minimums unless you reject coverage in writing.
Full Coverage
Liability, comprehensive, and collision bundled. Required by Kansas lenders if you finance or lease. Covers damage to your own vehicle after accident, theft, vandalism, or weather events.
Personal Injury Protection (PIP)
Mandatory no-fault coverage in Kansas. Pays your medical bills, lost wages, and funeral expenses up to policy limits regardless of who caused the accident. Minimum $4,500 per person.