Home Car insurance SR-22 insurance: What is it and how does it work? Cheapest SR-22 insurance in Kansas Cheapest SR-22 insurance in Kansas The cheapest SR-22 insurance policies in Kansas are offered by Nationwide, at $1,067 a year, and GEICO, at $1,152 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Bob Haegele Bob Haegele Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others. | Reviewed by John McCormick John McCormick John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology. | Expert insight from Sebastian Hov Sebastian Hov CEO, 18 Insurance.Go to comment | Updated on: June 19, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. If you’ve been asked to file an SR-22, you might be worried about the impact on your car insurance costs. An SR-22 isn’t a type of insurance but rather a certificate that proves you meet your state’s minimum car insurance requirements.It’s often required after serious driving violations, such as a DUI, reckless driving or driving without insurance. Unfortunately, having an SR-22 on your record typically leads to higher premiums, making finding the most affordable options essential. The cost of SR-22 insurance can vary significantly depending on your location, driving history, and insurance provider. To help you save money, we’ve researched the cheapest SR-22 insurance options in every state.In Kansas, Nationwide offers the most affordable SR-22 insurance policies at $1,067 per year and GEICO at $1,152 per year.Whether you’re looking for a budget-friendly policy or just trying to navigate this complex process, this guide has the information you need to get back on the road without breaking the bank.What is an SR-22?An SR-22 certificate of financial responsibility proves you have the minimum liability insurance coverage your state requires. If you’re considered a high-risk driver because of traffic violations, a DUI/DWI conviction, or other reasons, your state or a court might require you to get an SR-22. This is a certificate your insurance company files on your behalf with your state Department of Motor Vehicle (DMV).An SR-22 isn’t a type of insurance, but it’s often required after serious offenses. Having an SR-22 can make your insurance more expensive, and not all insurers will cover you because you’re considered a high-risk driver.Key TakeawaysSR-22 car insurance in Kansas costs $1,581, on average.Nationwide offers the cheapest SR-22 insurance policies in Kansas at $1,067 per year.SR-22 insurance isn’t a separate policy, but a form your insurance company files to with the state DMV to prove you have the required minimum coverage.Do I need to buy SR-22 insurance in Kansas?As previously mentioned, SR-22 is not an insurance policy but a form your insurance company files with your state’s DMV. This form lets the state know that even though you have certain driving offenses on your record, you have at least the minimum required insurance for your situation. The typical filing cost isn’t much – usually around $25.Examples of offenses that might require an SR-22:DUI, DWI, or other serious moving violationsReckless drivingAccidents resulting in suspension or revocationAccumulation of too many driving violation pointsDriving without insuranceIf you have any of these on your record, you may need an SR-22. After purchasing an insurance plan that meets your state’s requirements, ask your insurer to file the SR-22 form with the DMV.You typically must maintain an SR-22 for at least three years. If you don’t, you could risk license suspension.Average SR-22 car insurance cost in KansasThe average SR-22 car insurance cost in Kansas is $1,581. This is $566 more expensive than the SR-22 insurance in New Hampshire, the least expensive state.However, it’s also $2,460 cheaper than in Michigan, the most expensive state for SR-22 insurance. However, several factors can affect the cost of SR-22 insurance, including why you need the SR-22, your driving history and your city.Cheapest SR-22 insurance companies in KansasInsurance rates typically increase if you have an SR-22, but not all insurance companies charge the same rates for SR-22 holders. The companies listed below offer some of the lowest rates in Kansas.CompanyAverage annual premiumAverage monthly premiumNationwide$1,067 $89 GEICO$1,152 $96 American Family$1,318 $110 State Farm$1,392 $116 Travelers$1,410 $118 Progressive$1,712 $143 Farmers$1,910 $159 Allstate$2,401 $200 Auto-Owners$2,466 $206 USAA*$985 $82 Note: USAA is only available to military community members and their families. You might find interesting The best, cheapest car insurance in KansasKansas car insurance calculatorNon-owner car insurance in Kansas: Which company has the cheapest rates?Best and cheapest companies for home and auto bundles in Kansas Cheap SR-22 insurance in Kansas by cityAs mentioned before, where you live can significantly impact the cost of insurance with an SR-22. Below, you’ll find the cheapest SR-22 insurance rates in major cities across Kansas.CityAverage annual premiumWinchester$972 Overland Park$973 Benedict$983 Olathe$1,025 Bonner Springs$1,025 Atchison$1,033 Kansas City$1,077 Beloit$1,128 Kinsley$1,128 Winona$1,141 SR-22 insurance requirements in KansasThe Kansas DMV mandates all drivers in Kansas to have the following minimum car insurance coverage:$25,000 for injury or death per person$50,000 for injury or death per accident$25,000 for property damage per accidentThese are only the minimum requirements. Experts suggest getting more coverage than the mandated coverage levels. While it might increase your premium, the extra coverage can be very helpful if you’re in a costly at-fault accident.How much does SR-22 in Kansas cost with a DUI?Insurance companies differ in the premiums they charge for drivers with a DUI.Note: In the table below, “filing only” refers to the cost of a policy, including the SR-22 filing fee, without factoring in the reason you need the SR-22.CompanySR-22 with 1 DUISR-22 Filing onlyState Farm$1,485 $1,392 American Family$1,667 $1,318 Progressive$1,859 $1,712 Travelers$2,134 $1,410 Nationwide$2,145 $1,067 Farmers$2,518 $1,910 Allstate$3,128 $2,401 GEICO$3,754 $1,152 Auto-Owners$4,902 $2,466 USAA*$2,324 $985 Note: USAA is only available to military community members and their families. How to get the cheapest SR-22 insurance in KansasIf you need an SR-22 in Kansas, your insurance premiums might be very high. However, there are ways to save on car insurance, whether you need an SR-22 or not.First, it’s a good idea to shop around. Different insurance companies can offer very different rates. Some companies specialize in high-risk drivers and may give you better SR-22 rates.Another way to lower your insurance costs with an SR-22 is to improve your driving record. It might take some effort, but it’s worth it if you want better rates. A simple step is taking a defensive driving course, which can result in having points removed from your record. Check with your insurer to see if completing such a class could get you a discount. You can also look into usage-based insurance. These programs use technology to monitor your driving habits in exchange for (potentially) lower rates.Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:Shop around. Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.Pay upfront. Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.Opt for non-owner insurance. If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be 5% to 15% cheaper than a standard policy.Non-owner SR-22 insurance in KansasSome states may require you to obtain an SR-22 even if you don’t own a car. This filing ensures you meet the state’s minimum liability coverage requirements, which is often necessary to reinstate your driver’s license after a suspension or revocation resulting from violations like a DUI or multiple traffic offenses.Non-owner insurance policies are for individuals who don’t own a vehicle but must fulfill SR-22 requirements or want to maintain continuous coverage. This type of coverage provides liability protection when driving a car you don’t own and helps you meet state mandates for reinstating your license after violations such as a DUI or multiple traffic offenses.It’s often a more affordable option than a standard policy since it only covers liability. Read more about how non-owners car insurance works in Kansas Who needs SR-22 insurance?Remember that an SR-22 is not a separate insurance policy. Instead, it’s a certificate that shows your state’s DMV that you have at least the minimum insurance coverage required.For instance, if you have a DUI, the state will require you to prove you have enough insurance to be financially responsible.Keep in mind that not all driving offenses require an SR-22. You will be notified if you require an SR-22. If you aren’t sure if you need one, ask your local DMV or an attorney with traffic law experience.How long do you need SR-22 insurance in Kansas?You typically need to maintain an SR-22 for three years.In some cases, the time you need to maintain an SR-22 could be longer or shorter. The length of the SR-22 period will depend on your driving history and how serious the offense is.The bottom line on SR-22 in KansasThe average SR-22 insurance rate in Kansas is $1,581, while the average cost of car insurance in Kansas is $1,493. This means SR-22 insurance in Kansas costs $88 more per year.Keep in mind that there are numerous factors that affect the auto insurance premiums.What our expert says Q: How can you save on SR-22 insurance? Sebastian HovCEO, 18 Insurance. “Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.” Resources and MethodologySources:Shouse Law Group. “SR22 Kansas.” Accessed June 2025.Progressive Insurance. “What is an SR-22?” Accessed June 2025.MethodologyInsure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies. Compare SR-22 insurance rates with other statesAlabama$1,702/YearAlaska$1,419/YearArizona$1,916/YearArkansas$1,618/YearCalifornia$2,238/YearColorado$2,177/YearConnecticut$1,654/YearFlorida$3,288/YearGeorgia$1,795/YearHawaii$1,523/YearIdaho$1,115/YearIllinois$1,380/YearIndiana$1,418/YearIowa$1,363/YearLouisiana$3,390/YearMaine$1,141/YearMaryland$2,020/YearMassachusetts$1,900/YearMichigan$4,041/YearMississippi$1,502/YearMissouri$2,504/YearMontana$1,966/YearNebraska$2,001/YearNevada$2,632/YearNew Hampshire$1,015/YearNew Jersey$2,370/YearNorth Dakota$1,315/YearOhio$1,240/YearOregon$1,653/YearRhode Island$1,887/YearSouth Carolina$1,998/YearSouth Dakota$1,681/YearTennessee$1,458/YearTexas$2,113/YearUtah$1,816/YearVermont$1,140/YearVirginia$1,343/YearWashington$1,473/YearWashington, D.C.$2,065/YearWest Virginia$1,520/YearWisconsin$1,738/YearWyoming$1,808/YearShow moreBob HaegeleContributing Researcher | . .Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page What is an SR-22?Do I need to buy SR-22 insurance in Kansas?Average SR-22 car insurance cost in KansasCheapest SR-22 insurance companies in KansasCheap SR-22 insurance in Kansas by citySR-22 insurance requirements in KansasHow much does SR-22 in Kansas cost with a DUI?How to get the cheapest SR-22 insurance in KansasNon-owner SR-22 insurance in KansasWho needs SR-22 insurance?How long do you need SR-22 insurance in Kansas?The bottom line on SR-22 in KansasWhat our expert saysResources and Methodology ZIP Code Please enter valid ZIP See rates (844)-645-3330