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Kansas DUI SR-22 Insurance Requirements & Costs

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

$100

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Kansas

Kansas operates under a traditional tort liability system, meaning the at-fault driver's insurance pays for damages. The Kansas Division of Vehicles requires continuous SR-22 filing from the conviction date forward, not the filing date, which catches many drivers off guard. Kansas counts filing lapses as separate violations, triggering additional suspension periods.

Bodily Injury Liability

Covers medical bills, lost wages, and pain-and-suffering claims when you injure someone in an accident. Most non-standard carriers writing DUI policies automatically quote higher limits because the minimum creates unacceptable claim exposure for high-risk drivers.

Property Damage Liability

Pays for damage to another person's vehicle or property when you cause an accident. Kansas does not allow SR-22 filers to carry property damage below the statutory minimum, even if other states permit it.

Uninsured Motorist Coverage

Protects you when an uninsured driver causes an accident. Kansas law requires insurers to offer uninsured motorist coverage at limits matching your liability coverage, but you can reject it by signing a written waiver at policy inception. Verbal rejection does not count — if you don't complete the form, the coverage is added automatically and billed.

SR-22 Certificate of Financial Responsibility

An SR-22 is not insurance — it's a filing your insurer submits to the Kansas Division of Vehicles proving you carry at least state minimum liability. The filing must remain active without gaps for the full court-ordered period, typically 1 year for first-offense standard DUI. If your policy lapses or cancels for any reason, your insurer notifies the state within 10 days and your license is suspended immediately.

What Drivers Pay in Kansas

$327–$421/mo

Typical monthly rate in Kansas, drivers with an SR-22 after a DUI

Rate data: ValuePenguin and NerdWallet, 2026

What Affects Your Rate

  • Filing period starts on conviction date in Kansas, not the date you purchase SR-22 insurance, which means delays in buying coverage extend your total obligation timeline.
  • Non-standard carriers price Kansas DUI policies higher than neighboring states due to Kansas's tort liability system and lower minimum coverage requirements.
  • Repeat offenses or violations during the SR-22 period trigger immediate re-rating — your monthly premium can double mid-term if you receive another citation.
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Find an Insurer That Will File After a DUI

Get SR-22 Coverage After a DUI

If your license is suspended

Restricted driving privileges (KDOR modification of suspension)

A restricted license is available while suspended.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

How long do I need SR-22 insurance in Kansas after a DUI?

Kansas typically requires SR-22 filing for 1 year after a first-offense standard DUI, measured from the conviction date, not the date you purchase insurance or the date your license is reinstated. Aggravated DUI convictions or repeat offenses extend the filing period to 2–3 years. If your policy lapses at any point during the required period, the Kansas Division of Vehicles suspends your license immediately and restarts the clock.

What happens if my SR-22 insurance lapses in Kansas?

Kansas law requires your insurer to notify the Division of Vehicles within 10 days of policy cancellation or lapse. Your license is suspended immediately, and you must file a new SR-22, pay reinstatement fees, and restart the full filing period from the new filing date. A lapse counts as a separate violation and adds 6–12 months to your total suspension timeline.

Do all insurance companies in Kansas file SR-22 after a DUI?

Most major carriers like State Farm, Geico, Allstate, and Progressive will file SR-22 for existing customers but typically non-renew the policy at the end of the term. New SR-22 policies after DUI conviction generally require the non-standard market — carriers like Bristol West, Direct Auto, Dairyland, The General, and Safe Auto specialize in high-risk Kansas drivers.

Does Kansas require SR-22 or FR-44 after a DUI?

Kansas requires SR-22 filing. FR-44 is a separate, more expensive filing required only in Florida and Virginia. If you move to Kansas from Florida or Virginia with an active FR-44 requirement, you must confirm whether your home state accepts Kansas SR-22 as equivalent or whether you must maintain the FR-44 filing while residing in Kansas.

When does the SR-22 filing period start in Kansas?

Kansas measures the SR-22 filing period from the conviction date, not the date you purchase insurance or the date your license is reinstated. This means delays in buying SR-22 coverage extend your total obligation — if you wait 3 months after conviction to buy a policy, you still owe the full 1-year filing period from conviction, not from purchase.

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