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
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
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.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf 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.
Coverage Types
SR-22 Insurance
The SR-22 filing itself costs $15–$50 as a one-time or annual fee, but the insurance policy carrying the SR-22 is where the real cost appears. Most DUI drivers in Kansas pay 2–3 times standard rates.
Non-Owner SR-22
If you don't own a vehicle but need SR-22 to reinstate your Kansas license, non-owner SR-22 provides liability coverage when you drive borrowed or rental vehicles. It satisfies the filing requirement at roughly half the cost of a standard policy.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when an uninsured driver hits you. Kansas requires insurers to offer it at limits matching your liability policy, but you can reject it in writing.
Liability Insurance
Bodily injury and property damage liability are the only coverages Kansas legally requires. They pay for harm you cause to others, but do nothing for your own vehicle or injuries.
Comprehensive and Collision Coverage
Comprehensive covers theft, hail, animal strikes, and vandalism. Collision covers damage to your vehicle in an accident regardless of fault. Both are optional unless required by a lender.