SR-22 in Kansas: What You Need to Know
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- What is it?
- Who needs one?
- How to get one
- How much is it?
- Impact on your insurance
- Cheap car insurance
In Kansas, an SR-22 form is required to guarantee you meet minimum insurance requirements after you have been convicted of a serious traffic offense, such as a DUI.
In other words, an SR-22 certificate is a way of taking on financial responsibility to prove that you are reliable enough to drive.
Filing an SR-22 in Kansas sounds like it might be a hassle, but it doesn’t have to be. By working with your insurance provider and using the help of car insurance and broker app Jerry, you could be back on the road and driving safely in no time!
So, read on to find out exactly how an SR-22 certificate works in Kansas.
What is an SR-22 in Kansas?
In Kansas, an SR-22 is a form submitted to the DMV by high-risk drivers who’ve had their licenses suspended or revoked due to major driving violations. The certificate acts as a form of support from your insurance provider that you can still pay your minimum coverage despite legal and financial punishment.
With good driving behavior, you’ll need an SR-22 for 12 months—but that timeframe could be longer depending on the severity of the incident.
An SR-22 usually becomes necessary after a significant driving offense, such as:
- Driving while intoxicated
- Driving under the influence
- Reckless driving
- A hit-and-run accident
Meeting insurance requirements isn’t easy, though. Kansas requires that drivers have a minimum of:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
- $25,000 uninsured/underinsured motorist per person
- $50,000 uninsured/underinsured motorist coverage per accident
- Personal injury protection (PIP) that includes $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs, and $4,500 for rehabilitation
- Survivor benefits, including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services
Keep in mind, though, that these are minimum requirements, and you might want to look into a more robust package.
Key Takeaway You’ll need an SR-22 for 12 months after having your license revoked or suspended in Kansas.
Who needs an SR-22 in Kansas?
Drivers who’ve had their license suspended or revoked due to a serious violation, such as a DUI, typically need an SR-22. Effectively, the state regards those individuals as unfit to drive unless an insurance company can back them up financially.
Any DUI conviction will likely require that you obtain an SR-22, but it’s ultimately at the discretion of the state.
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How do you get an SR-22 in Kansas?
First, you’ll need to inform your insurance company of your license status and provide any official documentation they request. Next, as long as they are willing to file an SR-22, the insurance company will usually handle the work from there.
Before your SR-22 is accepted, you’ll need to pay any legal fees outstanding from your conviction. You will also have to pay costly license reinstatement fees.
Be aware that some insurers simply will not issue SR-22 certificates. Whether they’re too expensive, or if you have a bad driving record, it’s at their discretion as to whether to file one or not. It might also be company policy to not offer them.
Either way, your best bet is to shop around for car insurance by using Jerry.
Key Takeaway Your insurance provider will file an SR-22 for you in Kansas, but you might have to shop around for a new provider.
How much does an SR-22 cost in Kansas?
Filing an SR-22 itself is relatively cheap—most companies will charge you between $15 to $25.
Unfortunately, that’s not the only cost associated with an SR-22 in Kansas. SR-22 insurance is significantly more expensive than a standard package, with prices typically increasing by $29 per month. You can also expect any sort of good driving discounts to vanish.
An SR-22 is also the result of a conviction, so you’ll also have fines and possibly court fees to pay.
The bottom line, an SR-22 is expensive.
How does an SR-22 impact your insurance in Kansas?
A serious moving violation on your record can send your premiums skyrocketing. The exact figure depends on the severity of the incident and the strength of your previous insurance package.
You might have to obtain a new package altogether, as well. Some companies simply don’t offer SR-22 certificates.
There is some good news, though! If you maintain a clean driving record for more than 12 months, your SR-22 will be removed and your premiums should drop.
How to find cheap car insurance
An SR-22 doesn’t look great on your driving record, but they’re not the end of the world. That’s right, you can still find a good car insurance package at a price that suits you. To find the best deal, try Jerry.
If you’re looking for a new insurance company, Jerry can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls and even cancels your old policy on your behalf—oh, and it’s free!
“Jerry asked me a few questions about my employment and education to find discounts, and it came back with a quote that has the exact same coverage for $150 less per month. They even signed me up and canceled my other insurance for me, and my old insurance just direct deposited my refund right into my checking account. Answering 10 questions could save you $1,800 a year. I’m blown away.”—Satisfied Jerry customer
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