- Understanding SR-22 insurance in Kansas
- How much does SR-22 insurance cost in Kansas?
- Average SR-22 insurance cost in Kansas by violation
- Non-owners SR-22 insurance in Kansas
- How long do you need an SR-22 in Kansas?
- Reasons for requiring SR-22 insurance in Kansas
- Tips to lower SR-22 insurance costs in Kansas
- Methodology
- SR-22 insurance in Kansas: FAQ
- Compare Kansas SR-22 rates with other states
Understanding SR-22 insurance in Kansas
SR-22 insurance isn't a specific type of insurance. Instead, an SR-22 is a form your insurance company files with the state showing you have at least the minimum required car insurance to be on the road in Kansas. SR-22 insurance refers to auto insurance coverage where an SR-22 has been filed by the company on your behalf.
Most Kansas drivers don't need SR-22 insurance. Drivers who need an SR-22 form have been convicted of significant violations, such as reckless driving, DUIs and multiple infractions in a short amount of time. You will be informed if you are required to file an SR-22 and for how long.
"Certain things trigger the requirement for an SR-22 filing, such as a DUI, having a lot of points on your license, getting into an accident without insurance, or having your license suspended or revoked. But in every case, the driver is notified by the DMV that they are required to have this form. You would have to check the box that you are required to have an SR 22 filing. The insurance company typically charges a fee to file or maintain that filing, which varies by insurance company," says Dorothy Cato with Skyway Insurance Services LLC in Monroe, North Carolina.
How much does SR-22 insurance cost in Kansas?
While filing an SR-22 form is typically inexpensive, the associated fines and increased insurance rates are costly. On average, SR-22 insurance in Kansas is $2,188 but varies significantly based on the driver and infraction.
Keep in mind that insurance rates vary from company to company, so shop around to find the cheapest SR-22 insurance available.
Average SR-22 insurance cost in Kansas by violation
Your insurance rates don't go up because of the SR-22. The state requires the SR-22 due to a violation, and that violation is what causes your rates to increase.
For example, you may need an SR-22 if you get a DUI or drive without insurance. The increase in your car insurance rate will depend on the violation, not the SR-22 itself.
This table shows the average costs for violations that require an SR-22. The rates vary based on the type of violation.
| Violation | Average annual premium |
|---|---|
| Driving without insurance | $2,024 |
| DUI/DWI first offense | $3,163 |
| DUI/DWI second offense | $4,859 |
| Reckless driving | $2,882 |
| SR22 Filing Only | $2,188 |
| SR22 with 1 DUI | $3,508 |
SR-22 insurance cost by company for a first DUI
State Farm offers the cheapest car insurance for drivers after a single DUI at $2,071. Finding affordable SR-22 insurance after a DUI can be tough, but shopping around helps. Some insurance companies see a first DUI as a one-time mistake and may offer lower rates than others.
Take a look at the table below to see how average insurance rates after one DUI vary by company. While insurance rates increase after a DUI, the increase isn't as severe as with multiple infractions.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $2,071 | $173 |
| Progressive | $2,097 | $175 |
| Travelers | $2,403 | $200 |
| Nationwide | $2,809 | $234 |
| Farmers | $3,451 | $288 |
| Allstate | $3,875 | $323 |
| GEICO | $5,250 | $438 |
| USAA | $2,736 | $228 |
SR-22 insurance cost by company for reckless driving
The cheapest company for SR-22 insurance after a reckless driving conviction is State Farm, with an average rate of $2,071 per year. Reckless driving tickets can be given for different reasons, like speeding, running red lights, texting while driving or tailgating. No matter the cause, reckless driving in Kansas leads to fines, an SR-22 requirement and higher car insurance rates.
Check the table below to compare average insurance rates for reckless driving from different companies.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $2,071 | $173 |
| Travelers | $2,152 | $179 |
| Progressive | $2,736 | $228 |
| Nationwide | $2,809 | $234 |
| Farmers | $3,592 | $299 |
| GEICO | $3,686 | $307 |
| Allstate | $3,875 | $323 |
| USAA | $1,580 | $132 |
SR-22 insurance cost by company for driving without insurance
The cheapest company for car insurance after being ticketed for driving without insurance is Nationwide at an average yearly rate of $1,617.
Kansas requires that drivers carry at least a minimum amount of auto insurance. Failing to do so leads to fines, increased insurance rates, and an SR-22. Because failing to maintain minimum car insurance shows a lack of responsibility, insurers raise rates significantly.
The table below shows average rates by company for drivers who have had a lapseWhen your auto insurance coverage ends because you missed a payment or did not renew it on time. A lapse in auto insurance coverage may result in paying higher premiums for a new policy. in coverage.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Nationwide | $1,617 | $135 |
| State Farm | $2,071 | $173 |
| Travelers | $2,132 | $178 |
| Farmers | $2,500 | $208 |
| Progressive | $2,642 | $220 |
| USAA | $1,411 | $118 |
Non-owners SR-22 insurance in Kansas
Kansas might require you to file an SR-22 form even if you don't own a car, usually if it's needed to get your license back. If you occasionally borrow or rent a car, you can buy non-owner SR-22 insurance, which meets the legal requirements, and your insurance company can file the SR-22 with that policy.
It's important to remember that non-owner car insurance only gives you extra liability coverage when you drive someone else's car. If you buy a car, you'll need to get the proper insurance to drive it legally in Kansas.
How long do you need an SR-22 in Kansas?
In Kansas, drivers typically need to keep an SR-22 for up to three years. If you don't keep your insurance active during this period, you'll be breaking the law and could face serious fines and other penalties.
Reasons for requiring SR-22 insurance in Kansas
Most Kansas drivers don't need to file an SR-22. However, drivers who exhibit careless behaviors may be required to file an SR-22, which is typically required when the driver has to prove that they have the minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. required by the state," says Cato.
You may need an SR-22 in Kansas for reasons like:
- DUI
- Reckless driving
- Several traffic violations in a short time
- Not maintaining auto insurance
- Refusing a breathalyzer test
- At-fault accidents involving severe injuries or death
Tips to lower SR-22 insurance costs in Kansas
Although your insurance will increase if you need an SR-22, there are still ways to find affordable coverage.
Ways to lower auto insurance costs with an SR-22 include:
- Take advantage of all available discounts. Most insurers allow you to bundle discounts to maximize savings.
- Raise your deductible. Increase the amount you pay before insurance kicks in to lower rates.
- Take a defensive driving course. Some insurers offer a discount for taking a course, and some states remove points from your license, which can lower your insurance rates.
- Sign up for a usage-based program. If you can demonstrate good driving habits while they are being tracked, you could earn a discount.
- Shop around for SR-22 insurance. Compare rates from multiple companies to find the cheapest SR-22 insurance in Kansas.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined 53M+ insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions requiring an SR-22
- One DUI
- Two DUIs
- Reckless driving
- Driving without insurance
SR-22 insurance in Kansas: FAQ
What happens if I fail to maintain SR-22 insurance in Kansas?
If you don't keep your insurance active and maintain your SR-22 filing, you could face serious consequences. You might face:
- Losing your driver's license
- Paying fines
- Increased car insurance rates
- Restarting your SR-22 period
- Jail time
- Getting your car's registration revoked
Can I switch insurance providers while I have an SR-22 filing?
Yes, you can switch auto insurance companies if you have an SR-22. Yours new insurer must refile the SR-22 for you. Also, make sure your new policy is active with the SR-22 before canceling your old one.
Compare Kansas SR-22 rates with other states
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