Car Insurance with an SR-22 in Kansas

The Zebra
Nov. 16, 2018

If you need an SR-22 to get a car insurance policy in Kansas, you're not alone. This relatively routine legal requirement is sometimes requested after a violation such as a DWI conviction, a citation for driving without proof of insurance, an at-fault crash, a ticket for driving with a suspended license, or accruing too many license points.

Finding cheap insurance with an SR-22 in Kansas might take some research, but it could pay off in the end. We examined how much a Kansas SR-22 might cost and how to get one — let's take a look.


Find SR-22 insurance with Kansas' best companies!



How much does an SR-22 cost in Kansas?

Car insurance with an SR-22 in Kansas can be pricey. This isn't a direct cost of the certificate — filing fees could be as cheap as $15 to $35 — but a product of the insurance rate increases caused by the driving violation that prompted the SR-22 requirement.

Insurers charge high-risk drivers steeper rates to account for the increased risk of an accident. The rate increase you could face may depend on the number and severity of citations — below are average car insurance premiums for drivers with SR-22s in Kansas.


KANSAS INSURANCE RATES BY VIOLATION
High-risk rating factorAverage annual rateIncrease vs. no violations
No violations$1,426.67
At-fault accident (>$2,000)$1,873.00$446.33
Speeding (21-25 mph > limit)$1,701.08$274.41
Reckless driving$1,892.83$466.16
Racing$1,903.00$476.33
Leaving the scene$1,969.30$542.63
DWI$2,069.27$642.60

If you need affordable car insurance after getting a SR-22, The Zebra is here to assist. Enter your ZIP code below to get personalized auto insurance quotes from top insurers.


How to get an SR-22 certificate in Kansas


If you have auto insurance:

If you already have auto insurance, obtaining an SR-22 certificate is straightforward. Just call your car insurance company and request it file a SR-22 request for you. If your insurance company declines to file a request, you’ll need to shop for a new policy with a new insurance company.

For uninsured drivers:

When applying for car insurance, you might face an up-front fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. An SR-22 requirement may disqualify you from being insured by some carriers, while others would be happy to cover you.

For non-vehicle owners:

Not owning a vehicle makes it more difficult to obtain an SR-22, as you'll need to show proof of insurance to get the certificate. If you don't own a car, you should buy a non-owners car insurance policy before requesting an SR-22. Non-owners auto coverage is often less pricey than a standard policy since it doesn't cover physical damage to your automobile.

Methodology

Between September and December 2017, we conducted comprehensive auto insurance pricing analysis via our proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra surveyed almost 53 million rates to identify trends related to specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

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