Kansas requires some drivers to carry SR22 insurance after certain violations, license suspensions, or revocations. An SR22 is not a separate type of insurance policy. It is a certificate that an insurance company files showing you have the financial responsibility coverage Kansas requires.
Not every Kansas license suspension requires an SR22. Kansas Driver Solutions determines whether you need one based on your driving record and the action taken against your driving privileges.
If Kansas tells you to file an SR22 certificate, don’t assume you should file one early. Kansas Driver Solutions specifically advises drivers to wait until they receive notice of the SR22 requirement because an SR22 received before that notification will not receive credit toward the required filing period.
Who Needs SR22 Insurance in Kansas?
Kansas requires an SR22 following certain driving violations and licensing actions. According to the Kansas Department of Revenue’s Imposed Actions on Major Violations, situations that can require an SR22 include:
- DUI convictions
- Driving while suspended
- Driving while revoked or canceled
- A conviction for driving without insurance
- Leaving the scene of certain accidents
- Certain motor vehicle violations resulting in the death of another person
- Using a motor vehicle in connection with certain felonies
Other suspensions and traffic violations do not automatically require an SR22. The safest way to determine your requirement is to review the notice from Kansas Driver Solutions or check the status of your Kansas driving privileges.
If you have already received notice that an SR22 is required, learn more about how to file SR22 insurance in Kansas.
How Do You File an SR22 in Kansas?
You do not normally prepare the SR22 certificate yourself. After you purchase an insurance policy that can support the filing, your insurance company submits the required proof of financial responsibility to Kansas.
The basic process includes:
- Confirm that Kansas Driver Solutions has requested an SR22.
- Determine whether you need an owner or non-owner insurance policy.
- Purchase coverage from an insurer that can file the Kansas SR22.
- Have the insurance company submit the required SR22.
- Complete any other reinstatement requirements associated with your suspension or revocation.
- Confirm that your driving privileges have been restored before driving.
Filing an SR22 alone does not necessarily restore your driving privileges. Reinstatement fees, ignition interlock requirements, court requirements, or other conditions may still apply depending on why your license was suspended or revoked.
For a complete walkthrough, see our guide to filing SR22 insurance in Kansas.
Kansas SR22 Insurance Requirements
An SR22 demonstrates that qualifying financial responsibility coverage is active. Under Kansas motor vehicle insurance law, minimum liability limits include:
- $25,000 for bodily injury or death to one person
- $50,000 for bodily injury or death to two or more people in one accident
- $25,000 for damage to another person’s property
Kansas automobile policies are also subject to other state insurance requirements, including personal injury protection and uninsured and underinsured motorist coverage where applicable.
The SR22 does not replace your insurance policy. It is proof connected to an eligible policy showing that you have required coverage in force.
Owner vs. Non-Owner SR22 Insurance in Kansas
The type of policy you need depends largely on whether you own a vehicle.
Owner SR22 Insurance
If you own a vehicle, you generally file SR22 in connection with the auto insurance policy covering that vehicle. Your policy must meet Kansas requirements and provide the amount and types of coverage appropriate for your situation.
Non-Owner SR22 Insurance
If you do not own a vehicle but Kansas requires you to file an SR22, a non-owner policy may be an option.
Non-owner insurance is for drivers who need liability coverage but do not own a vehicle. It may help satisfy an SR22 requirement when you occasionally drive vehicles you do not own.
A non-owner policy is not a substitute for a vehicle owner’s policy if you purchase or regularly operate a vehicle that should have specific insurance coverage.
Learn more about Kansas non-owner SR22 insurance if you need an SR22 but do not currently own a car.
How Much Does SR22 Insurance Cost in Kansas?
Kansas has no single SR22 insurance rate.
The SR22 is a filing connected to an insurance policy. Your overall cost depends primarily on the underlying policy and the factors the insurer uses to evaluate your risk.
Your Kansas SR22 insurance rate may be affected by:
- The violation that resulted in the SR22 requirement
- Your driving record
- Your insurance history
- Previous coverage lapses
- Your age and driving experience
- Your vehicle, if you own one
- Coverage limits and deductibles
- Where you live in Kansas
- The insurance company providing the policy
Rates can vary significantly between insurers, particularly for drivers with DUI convictions, suspensions, or other high-risk driving histories. Comparing multiple companies can help you find appropriate coverage at a more competitive rate.
See how much SR22 insurance costs in Kansas for a more detailed explanation of the factors that can affect your rate.
How Long Do You Need SR22 Insurance in Kansas?
Kansas does not use one universal SR22 filing period for every driver.
The length of your requirement depends on the violation or licensing action that caused Kansas Driver Solutions to require proof of financial responsibility. For example, Kansas requires a full year of SR22 coverage after certain violations, while other requirements tie to different suspension, revocation, or restriction periods.
You should use your notice from Kansas Driver Solutions and your driving record to determine how long you must maintain the filing.
This is also why Kansas advises drivers not to purchase an SR22 before Driver Solutions requests one. A filing received before you are notified of the requirement will not receive credit.
For more information about determining your filing period, read how long you need SR22 insurance in Kansas.
What Happens If Kansas SR22 Insurance Lapses?
Maintaining continuous coverage is an important part of satisfying an active SR22 requirement.
If the insurance policy supporting your SR22 ends before your requirement is complete, you may no longer have the proof of financial responsibility Kansas requires. That can affect your driving privileges and may require additional steps before you can legally drive again.
Common causes of a coverage lapse include:
- Missing an insurance payment
- Allowing the policy to expire
- Canceling the policy before the SR22 requirement ends
- Switching insurance companies without properly coordinating the replacement coverage
- Removing the SR22 before Kansas releases the requirement
If you need to change insurance companies, make sure the replacement coverage and required filing are in place before ending the previous policy.
Read more about what happens if your Kansas SR22 insurance lapses.
Kansas SR22 Insurance After a DUI
Kansas identifies DUI offenses among the violations that can require an SR22. A DUI may also result in a suspension, restricted driving privileges, ignition interlock requirements, fees, or other conditions before the state restores full driving privileges.
The requirements can vary depending on the circumstances of the offense, BAC level, prior offenses, and other factors. Therefore, you should treat an SR22 filing as one part of the reinstatement process, not proof that you’ve completed every reinstatement requirement.
If your SR22 requirement is related to an alcohol-related offense, review our guide to license reinstatement after a Kansas DUI conviction.
SR22 Insurance in Kansas City, Kansas
Drivers in Kansas City, Kansas follow the same Kansas SR22 requirements as drivers elsewhere in the state. Kansas Driver Solutions determines your exact requirement based on the action recorded against your Kansas driving privileges.
If you were notified that Kansas requires an SR22, your insurance and filing must satisfy that Kansas requirement regardless of where in the state you live.
Get Help With Kansas SR22 Insurance
UltraCar Insurance specializes in helping drivers who need an SR22 and other high-risk auto insurance coverage.
We can help you compare Kansas SR22 insurance options whether you own a vehicle or need a non-owner policy. Our goal is to find the right coverage, complete the required filing, and help you maintain coverage while your Kansas SR22 requirement remains active.
Start your SR22 insurance quote online or contact UltraCar Insurance for help finding a Kansas SR22 policy.
