In Kansas, you may be required to file an SR-22 with the DMV if you've had your license 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 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 (

DUI/DWI

)

Driving without insurance

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

Kansas's minimum requirements

, and they won't cover your damages in the event of an accident.

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.

Need to know: If you're required to file an SR-22 in Kansas but you don't have your own vehicle, you may be able to purchase
non-owner SR-22 insurance
instead.

MORE:

Tips to get a clean driving record

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. Luckily, you may be able to save by comparing quotes with an insurance comparison tool like the

Jerry

app.

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.

MORE:

Everything you need to know about Kansas’ texting and driving law

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