Non-Standard Auto Insurance — Kansas
Non-standard auto insurance is coverage for drivers considered high-risk by traditional carriers—typically due to violations, lapses, or license suspensions.
Free to compare
What Is Non-Standard Auto Insurance?
Non-standard auto insurance is issued by carriers willing to cover drivers traditional insurers reject or price out. You land in this market after specific violations—DUI, reckless driving, multiple at-fault accidents, suspended license, or an insurance lapse longer than 30 days. These policies meet Kansas state minimums and include SR-22 filing when required, but you pay significantly higher rates because the carrier is assuming documented elevated risk.
Who Needs Non-Standard Auto Insurance?
It's also your only option if you've had two or more DUI convictions or a lapse longer than 90 days.
Call the Kansas DMV Driver Solutions office at 785-296-3671 and confirm whether SR-22 is required for your specific suspension. If yes, buy non-standard coverage immediately—Kansas counts the filing date as day one of your SR-22 period, not the suspension end date. If no SR-22 is required, confirm whether Kansas mandates continuous coverage during suspension for your violation type. Many suspended drivers buy coverage they don't legally need because reinstatement paperwork is unclear.
How Much Does Non-Standard Auto Insurance Cost?
- Violation type and recency—a DUI from six months ago costs more than reckless driving from three years ago.
- Continuous coverage gap length—a 60-day lapse costs less than a 180-day lapse.
- Credit-based insurance score—Kansas allows carriers to use credit in underwriting, and suspended drivers often have damaged credit.
Related Coverage Types
