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Kansas SR-22 Insurance After DUI & Suspensions

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

SR-22 filing is typically triggered by DUI convictions, driving while suspended, multiple at-fault accidents, accumulating excessive license points, or being involved in an uninsured accident. Most drivers maintain SR-22 for 3 years, and any lapse during that period resets the clock. High-risk drivers with SR-22 requirements often need to carry higher limits than state minimums to secure non-standard carrier approval.

Liability Insurance

Kansas's 25/50/25 minimums are among the lowest in the nation and rarely sufficient after a serious accident. High-risk drivers—especially those with DUI or at-fault accidents—should consider 100/300/100 limits to reduce exposure and demonstrate responsibility to non-standard carriers who may require higher limits as a condition of coverage.

SR-22 Insurance

SR-22 is not a separate insurance policy—it's a certificate your insurer files with the Kansas Department of Revenue proving you carry continuous coverage. Not all carriers offer SR-22 filing in Kansas; drivers typically need to work with non-standard insurers who specialize in high-risk profiles and understand the state's reinstatement process.

Full Coverage

Full coverage combines liability with comprehensive and collision to protect your vehicle. If you have a loan or lease, your lender requires it regardless of your driving record. High-risk drivers with financed vehicles face a double cost pressure: elevated liability premiums due to violations plus mandatory comprehensive and collision with higher deductibles.

Uninsured Motorist Coverage

Kansas requires insurers to offer uninsured motorist (UM) coverage at 25/50 minimums unless you reject it in writing. High-risk drivers already paying elevated premiums sometimes waive UM to reduce costs, but doing so after a serious violation increases financial exposure if you're hit by an uninsured driver and have limited savings to cover medical bills.

Non-Standard Auto Insurance

Non-standard carriers specialize in drivers with DUIs, suspensions, multiple violations, or SR-22 requirements who cannot secure standard market coverage. These insurers often charge 2–3× standard rates but are sometimes the only option immediately following a major violation.

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

  • License points: Kansas suspends at 3 moving violations in 12 months; each point tier increases rates
  • Age and experience: drivers under 25 with violations face compounded high-risk premiums
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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Kansas's 25/50/25 minimums are legally sufficient but financially inadequate after serious accidents.

Full Coverage

Liability plus comprehensive and collision. Required by lenders and lessors regardless of driving record.

SR-22 Insurance

Certificate filed by your insurer proving continuous coverage to the Kansas Department of Revenue. Required after DUI, suspension, or serious violations.

Non-Standard Auto Insurance

Policies designed for drivers with violations, suspensions, or SR-22 requirements who cannot access the standard market.

Uninsured Motorist Coverage

Pays for your injuries if you're hit by a driver with no insurance. Kansas requires insurers to offer UM at 25/50 unless you reject it in writing.

Collision Coverage

Pays to repair your vehicle after an accident, regardless of fault. Required by lenders.

Find Your City in Kansas

Wichita

urban

Overland Park

suburban

Kansas City

urban

Olathe

suburban

Topeka

urban

Lawrence

urban

Manhattan

urban

Salina

urban