Kansas SR-22 Insurance & High-Risk Auto Coverage
Kansas requires 25/50/25 liability coverage and is a no-fault state.
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Kansas 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, license suspensions for driving without insurance, or certain serious violations must file SR-22 proof of insurance with the Kansas Department of Revenue for periods typically ranging from 1 to 3 years. High-risk drivers typically need coverage above state minimums to satisfy SR-22 requirements and protect against future financial liability.
Liability Insurance
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
SR-22 Insurance
Full Coverage
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
- Violation type: DUI convictions increase premiums more than speeding tickets or at-fault accidents
- SR-22 duration remaining: longer filing periods signal higher risk to insurers
- Location: urban areas like Wichita and Overland Park see higher rates due to accident frequency and theft risk
- Credit history: Kansas allows credit-based insurance scoring, and poor credit combined with violations can double premiums
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Kansas minimums of 25/50/25 are often insufficient for serious accidents—medical bills alone can exceed $25,000 per person, leaving you personally liable for the difference.
SR-22 Insurance
SR-22 is a certificate filed by your insurer proving you maintain continuous coverage at or above Kansas minimums. Required after DUI, suspensions, or serious violations, with filing periods of 1–3 years depending on the offense.
Non-Standard Auto Insurance
Non-standard carriers specialize in high-risk drivers who cannot obtain coverage from standard insurers due to DUI, suspensions, multiple violations, or SR-22 requirements. Base rates are higher, but underwriting is more flexible.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage to pay for your injuries and vehicle damage. Kansas does not require UM/UIM, but insurers must offer it at your liability limits unless you reject it in writing.
Full Coverage
Combines liability, comprehensive, and collision coverage to protect both your legal responsibility and your vehicle. Required by lenders and lessors, and strongly recommended for high-risk drivers who cannot afford vehicle replacement during SR-22 periods.
Personal Injury Protection (PIP)
Kansas requires at least $4,500 in PIP to cover medical expenses, lost wages, and rehabilitation costs for you and your passengers regardless of fault. PIP pays quickly without waiting for fault determination, preventing medical collections and credit damage.