Kansas SR-22 & High-Risk Auto Insurance
Kansas requires 25/50/25 liability coverage and is a no-fault state.
Find Coverage with Points on Your LicenseKansas 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 triggered by DUI convictions, license suspensions for violations, driving without insurance, and at-fault accidents while uninsured. For drivers with points from speeding tickets or minor violations, SR-22 is typically not required—your primary concern is rate increases from carrier surcharges. Kansas uses a point system where accumulating 3 moving violations in 12 months triggers a license suspension, which then requires SR-22.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Non-Standard Auto Insurance
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
- Age and experience—drivers under 25 with violations can pay double the rates of drivers over 25 with identical records
See What Points Are Really Costing You
Find Coverage with Points on Your LicenseCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Required by Kansas law and the foundation of any SR-22 filing.
Full Coverage
Combines liability, collision, and comprehensive to cover both your liability to others and damage to your own vehicle from accidents, weather, theft, and vandalism.
SR-22 Insurance
A certificate filed by your insurer with the Kansas Department of Revenue proving you maintain continuous liability coverage at state minimums.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers rejected by standard insurers due to violations, SR-22 requirements, or lapses.
Uninsured Motorist Coverage
Protects you if you're hit by a driver without insurance or with insufficient coverage to pay your medical bills and vehicle damage.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident or collision with an object, minus your deductible.