How to file for SR22 car insurance in Kansas | finder.com

Filing for SR-22 insurance in Kansas

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

If you get in trouble while driving in Kansas, you could be ordered by the court to file for an SR-22.

Commonly called “SR-22 insurance,” an SR-22 isn’t insurance at all. Rather, it’s a document your insurance company files with the state to prove you’re covered by the minimum car insurance required to legally drive.

Compare how you can get and maintain an SR-22 in Kansas.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Compare Kansas car insurance providers

Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Kansas car insurance.

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Do I need SR-22 insurance in Kansas?

Your state DMV will let you know if you need to file an SR-22. In Kansas, you may need to file for an SR-22 if:

  • Your license is suspended due to a safety-responsibility violation or unsatisfied judgment.
  • You’re convicted of a DUI.
  • You refuse to take a breathalyzer test.
  • You’re found driving without insurance.
  • The state restricts or revokes your license.
  • You’re under mandatory insurance supervision.

What if I don’t have a car or license?

You’ll still need to file for an SR-22 to legally get behind the wheel in Kansas. If you lose your license because you’re caught driving without insurance, the court could order you to carry non-owner insurance to reinstate your license.

What if I’m from another state?

If you have an SR-22 from another state, you must maintain it while driving in Kansas. Your SR-22 is likely to be sufficient in Kansas, but to avoid any problems, contact the DMV and your insurer to confirm.

How much does an SR-22 cost in Kansas?

Once you’ve purchased or renewed a policy, most providers will file an SR-22 for a fee of $20 to $50.

But it’s not the fee that’s most expensive when you file for an SR-22: You’ll also typically see higher premiums than you’re used to.

The impact of an SR-22 on your car insurance rates

SR-22s are often required after a driving conviction, such as driving without insurance or a DUI conviction. With such severe convictions on your driving record, you’re considered a “high risk” driver by the state and most providers.

Talk to your provider about how much you can expect your rates to increase. And make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back a lot of money and time.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Companies that offer SR-22 car insurance in Kansas

Not every insurer offers SR-22 filing support. Compare cheap rates from Kansas insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

Rates last updated October 19th, 2018
Company Median annual rate Learn more
Allstate $507 Read review
State Farm $512 Read review
Geico $602 Read review
SafeAuto $570 Read review
Safeco $879 Read review
American Family $581 Read review
Farmers $591 Read review
USAA $525 Read review
Average $596 Compare more reviews

How do I file an SR-22 in Kansas?

  1. Find an insurer. Ask your insurer if it issues SR-22s in the state of Kansas. If it doesn’t, you’ll need to find a car insurance company that does.
  2. Pay the SR-22 fee. To finalize your SR-22, you pay a fee to your insurer for processing the request and filing on your behalf.
  3. Verify minimum liability coverage. If you’re already insured, call your provider to verify your policy includes at least:
    • $25,000 for injury or death to one person.
    • $50,000 for injury or death to more than one person.
    • $10,000 for damage to property.

    You might see this minimum coverage listed as 25/50/10 in insurance documents.

  4. Submit your SR-22. Your insurance agent will file your SR-22 with the Kansas Department of Motor Vehicles.
  5. Wait for confirmation. You’ll receive a letter from your insurer that your SR-22 is accepted, which means you’re back in action.

Find out how to get an SR-22 with top car insurance providers

How long will I need an SR-22?

In Kansas, most court-ordered SR-22s result in a coverage requirement of three years.

What happens if I let my SR-22 lapse?

Continuous coverage is required for 12 months, and interruptions can occur from expiration, not filing on time or even canceling your original SR-22 coverage before your new insurer sends the certification to the DMV stating you meet the minimum insurance requirements.

Originally a lapse in your SR-22 coverage would only mean a suspension of your license and subsequent additional payment of the reinstatement fee. The state of Kansas has since reinterpreted the statute and you’ll be faced with restarting your filing requirement on top of the suspension.

What happens when I don’t need SR-22 coverage anymore?

No longer needing your SR-22 coverage is a freeing feeling, but there are some important steps to take before you abandon your current plan. First confirm with your local DMV that you’re completely out of your filing period. From there talk with your insurance agent about the best next steps for you to take.

Bottom line

Maintaining coverage and staying on top of your filing for the entirety of your mandated period is entirely your responsibility, and it can be a frustrating one if you’re not careful. Stay on top of your premium payments, be careful if you’re switching plans during the filing period and maintain a clean driving record to avoid having to start from square one.

You’re more than likely going to face increased premiums, so it’s especially important that you compare your options. Take your time and look for the insurer that can give you the coverage you need at a price you can afford.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.
Go to site