Kansas DUI Insurance
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SR-22 Insurance — Kansas

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 tort liability system and requires continuous proof of insurance. The Kansas Department of Revenue — Driver Control Bureau oversees license reinstatement after suspension. SR-22 filing is required for DUI convictions, at-fault accidents without insurance, repeated violations, and certain license reinstatements.

Bodily Injury Liability

Covers injuries you cause to other drivers in an at-fault accident. If you cause an accident with injuries beyond your limit, you are personally liable for the remainder, and Kansas law allows wage garnishment to collect that debt.

Property Damage Liability

Covers damage you cause to another vehicle or property. Kansas does not offer any state-funded mechanism to cover your excess liability — the other driver sues you directly.

Uninsured Motorist Coverage

Covers your injuries when an at-fault driver has no insurance. Kansas law requires carriers to offer UM coverage at the same limits as your liability policy, and you must reject it in writing at policy inception — verbal rejection does not count. If you skip the rejection form, the coverage is automatically added to your policy and billed.

SR-22 Certificate of Financial Responsibility

An SR-22 is not insurance — it is a form your carrier files with the Kansas Department of Revenue proving you carry at least state minimum coverage. Your carrier must notify the state within 15 days if your policy cancels or lapses for any reason, which triggers immediate license re-suspension. The 3-year clock starts from your reinstatement date, not your conviction date.

What Drivers Pay in Kansas

$202–$421/mo

Typical monthly rate in Kansas, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • Moving violations during your SR-22 period restart the 3-year clock in Kansas if they result in a suspension.
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Compare Kansas Rates for Drivers With a DUI

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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 in Kansas after a DUI?

Kansas requires SR-22 filing for 3 years from your reinstatement date, not your conviction date. If you receive any additional suspension during those 3 years, the Kansas Department of Revenue restarts the full 3-year period from your new reinstatement date.

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

Your carrier must notify the Kansas Department of Revenue within 15 days of any cancellation or lapse. The state immediately re-suspends your license with no grace period, and you must pay a new reinstatement fee, file a new SR-22, and restart the entire 3-year filing period.

Does Kansas require SR-22 for all DUI convictions?

Kansas requires SR-22 for all DUI convictions that result in license suspension or revocation. First-offense DUI with no aggravating factors typically results in a 30-day suspension and 3-year SR-22 requirement. Refusal to submit to testing triggers a 1-year suspension and 3-year SR-22.

Can I switch insurance carriers during my Kansas SR-22 period?

Yes, but there must be no gap in coverage. Your new carrier files an SR-22 with the Kansas Department of Revenue, and your old carrier files a cancellation notice. If there is even one day without active SR-22 on file, Kansas re-suspends your license and restarts the 3-year clock.

Do I need SR-22 if I move to Kansas with a DUI from another state?

If your previous state required SR-22 filing, Kansas honors that requirement and you must maintain SR-22 for the remainder of your original period. Kansas does not issue new SR-22 requirements for out-of-state convictions, but you must satisfy any filing period still active when you transfer your license.

Coverage Types

SR-22 Insurance

Certificate filed by your carrier proving continuous minimum coverage to the Kansas Department of Revenue. Required for 3 years after most DUI convictions and license suspensions.

Non-Owner SR-22

Liability-only policy for suspended drivers who do not own a vehicle but need SR-22 filing to satisfy Kansas reinstatement requirements. Covers you when driving borrowed or rental vehicles.

Liability Insurance

Covers injuries and property damage you cause to others. Kansas requires 25/50/25 minimums but does not cap your personal liability if damages exceed your limits.

Uninsured Motorist Coverage

Pays your medical bills and lost wages when an at-fault driver has no insurance. Kansas carriers must offer this at your liability limits and you must reject it in writing — verbal rejection is not valid.

Non-Standard Auto Insurance

Policies written by carriers specializing in high-risk drivers — DUIs, suspensions, multiple violations. Higher premiums but often the only available option immediately after reinstatement.

Find Your City in Kansas

Wichita

urban

Overland Park

suburban

Kansas City

urban

Olathe

suburban

Topeka

urban

Lawrence

urban

Manhattan

urban

Salina

urban