How to Get Non-Owner SR-22 Insurance in Kansas

If you need your insurance provider to fill an SR-22 in Kansas, but you don’t own a car, this guide will show you what to do.
Written by Mary Alice Morris
Reviewed by Brittni Brinn
background
If you’re getting your license reinstated in Kansas, you’ll probably need to file an SR-22. But if you don’t own your own car, this process may look a little different than it does for car owners. 
Car insurance is required for any car operated on Kansas roads, and typically, the insurance follows the car. But for those who don’t own a vehicle, getting a driver’s license reinstated means showing proof of your own insurance via an SR-22 filing.
So how do you show proof of your
car insurance
coverage with an SR-22 when you don’t even own a car? You’ll need to buy
non-owner car insurance
. This guide will show you how to get it done and how to file your SR-22 in Kansas.
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What is SR-22 insurance?

An
SR-22
isn’t really a type of car insurance. Instead, it’s a form that proves high-risk drivers are maintaining adequate car insurance, and it’s a requirement for those who need to get a driver’s license reinstated after suspension or revocation.
This form is submitted to the Kansas Department of Revenue Division of Vehicles and is maintained for 12 months or longer depending on the severity of the violation that caused the loss of your license. It lets the state know that you’re meeting
Kansas car insurance laws
and minimum requirements

Kansas auto insurance requirements

Under Kansas law, all vehicles must be covered by a certain minimum amount of car insurance coverage which includes:
Your policy needs to meet and maintain all of these insurance requirements for the duration of your SR-22 filing term to get your
license reinstated
MORE: Kansas reckless driving

Who needs an SR-22?

Most people only need to show proof of insurance in Kansas when they’re completing a vehicle registration, involved in an accident, or pulled over for a traffic stop. However, some need to file an SR-22 in Kansas after committing a serious traffic violation that causes suspension or revocation
It usually takes a pretty serious offense or
multiple violations for something like speeding
to lose your license. If you’ve committed one of these driving violations, you may be required to file an SR-22:
MORE: Everything you need to know about Kansas’ texting and driving law

How to get non-owner SR-22 insurance in Kansas

If you need to file an SR-22 in Kansas, but you don’t own a car, non-owner car insurance might be your best bet. However, if you live with a car owner, you likely won’t be eligible for non-owner insurance. Instead, the vehicle owner in your household will have to add you to their insurance policy and request that the provider file an SR-22 for you.
Otherwise, you’ll need to purchase non-owner insurance, which is a coverage type that follows you rather than a specific vehicle. With it, you’ll be covered with the state’s minimum requirements, no matter whose vehicle you’re using.
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To get a non-owner SR-22 insurance filing done, you’ll likely need to:
  • Contact insurance companies that offer non-owner coverage, like
    Geico
    , to see if they’ll insure someone with an SR-22 filing requirement
  • Comparison shop for quotes from multiple providers to get the best price
  • Find out if you can qualify for a reduced rate by paying your entire premium upfront for a paid-in-full discount or by taking a defensive driving course
MORE: How to get car insurance discounts
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FAQs

If you don’t have car insurance, using a
fake insurance card
won’t help. Law enforcement officers can easily spot the fake, and you’ll likely not get much sympathy in court if you’re charged for driving without insurance. Plus, repeated offenses for no insurance can cause another license suspension.
If your SR-22 filing lapses—meaning you’ve failed to maintain proof to the state of your insurance coverage—then your filing term will start all over again from the beginning.
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