SR22 Insurance in Kansas

What is SR22 Insurance in Kansas?

SR22 insurance is not an actual insurance policy but a document that verifies the holder's proof of financial responsibility. In Kansas, if you've been convicted of certain traffic violations, you may be required to carry an SR22 certification. These could range from driving under the influence (DUI) to reckless driving or being caught multiple times driving without insurance.

Your insurance company issues this certificate and confirms to the Kansas Department of Motor Vehicles (DMV) that you have an insurance policy that meets the state's minimum liability coverage requirements. If your SR22 insurance lapses or gets canceled, your insurance company must inform the Kansas DMV, which could lead to suspending your driving privileges.

How SR22 Insurance in Kansas Compares with Other States

Different states have their own requirements when it comes to SR22 insurance. Kansas, like many other states, necessitates SR22 certification if you’ve committed certain traffic violations. However, how long a driver needs to maintain SR22 insurance varies from state to state.

For instance, in Florida, as explained in this comprehensive guide on Florida's SR22 insurance, drivers typically need to maintain their SR22 for three years from the date of their suspensions. If you're a non-owner but need to fulfill the SR22 requirement, Florida offers non-owner SR22 insurance, which is often less expensive than standard SR22 insurance.

In Utah, similar to Kansas, drivers may also need to secure SR22 insurance following a DUI conviction or after causing an accident while uninsured. However, each state, including Kansas, has its own specific SR22 requirements and rules around cancellations and renewals.

How to Get SR22 Insurance in Kansas

Obtaining an SR22 certification in Kansas is relatively straightforward. The first step is to contact a licensed insurance provider in Kansas who offers SR22 coverage. You can find a comprehensive list of insurance providers at the Kansas Insurance Department.

Inform your insurer about your need for an SR22 certificate. After purchasing the required liability insurance, the insurance company will then file the SR22 form on your behalf to the Kansas DMV. There is typically a nominal filing fee, but the primary cost comes from the insurance premium, which is likely to be higher due to the risk associated with drivers needing SR22 insurance.

The Cost of SR22 Insurance in Kansas

The cost of SR22 insurance in Kansas depends on several factors, including your driving record, age, and the reason you need the SR22. Insurance companies view drivers who require an SR22 as high risk, resulting in higher premiums.

While the exact cost varies, you can expect your insurance rates to increase substantially. The average cost of car insurance in Florida, another state requiring SR22 for high-risk drivers, can be found here. It is essential to compare quotes from different insurance providers to find the most affordable rates for your circumstances.

Conclusion

SR22 insurance in Kansas is a certification required for drivers who have been convicted of serious traffic violations. This certificate proves that the driver carries the minimum required auto insurance coverage as per state laws. While it can be more costly than traditional auto insurance due to its high-risk status, shopping around for quotes can ensure you find the most economical choice for your situation.

SR22 Insurance in Kansas FAQ

What is SR22 Insurance in Kansas?

SR22 insurance in Kansas is a certificate of financial responsibility that proves a driver carries the state's minimum required auto insurance coverage. It's typically required after a driver has been convicted of serious traffic violations like a DUI or driving uninsured.

Why would I need an SR22 in Kansas?

You may need an SR22 in Kansas if you've been convicted of serious traffic offenses. These could include driving under the influence, reckless driving, or being caught multiple times driving without insurance.

How long do I need to maintain my SR22 status in Kansas?

The duration for which you need to maintain your SR22 status in Kansas depends on the nature of your offense. Generally, it's required for about three years, but this period can vary based on your specific circumstances.

Is an SR22 insurance policy expensive?

SR22 insurance is typically more expensive than standard auto insurance policies. This is because drivers requiring an SR22 are seen as high-risk by insurance providers, leading to increased premiums.

How do I obtain an SR22 certificate in Kansas?

You can get an SR22 certificate in Kansas by purchasing an auto insurance policy from a licensed insurer that offers SR22 coverage. After you purchase the required insurance, your insurer will file the SR22 form with the Kansas DMV.

Do all states require SR22 insurance?

No, not all states require SR22 insurance. Each state has its own laws and requirements related to SR22 insurance. It's best to check with your state's Department of Motor Vehicles for accurate information.

Can I cancel my SR22 insurance after obtaining it?

You are generally required to maintain continuous SR22 insurance for the stipulated duration (often three years). If you cancel your policy prematurely, your insurer is required by law to notify the state, which may result in the suspension of your driving privileges.

What happens if I let my SR22 insurance lapse?

If your SR22 insurance lapses, your insurance provider is obligated to inform the Kansas Department of Motor Vehicles. This may lead to the suspension of your driving privileges until the SR22 insurance is reinstated.

What is a non-owner SR22 insurance policy?

A non-owner SR22 policy is a type of insurance coverage designed for those who need to file an SR22 but do not own a vehicle. This policy covers the insured while they are operating a vehicle owned by someone else.

What are the minimum auto insurance requirements in Kansas?

In Kansas, the minimum auto insurance requirements are $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $25,000 for property damage per accident.

Is Kansas a "no-fault" state?

No, Kansas is not a "no-fault" state. Kansas is a "fault" or "tort" state, meaning the person who was at fault for causing the accident is responsible for paying the resulting damages.

Can I get SR22 insurance if I don’t own a car?

Yes, if you don't own a car but need to file an SR22, you can purchase a non-owner SR22 policy. This policy covers you while you're driving a car owned by someone else.

Is there a fee for filing an SR22?

Yes, there is usually a nominal filing fee for an SR22 form. However, the main cost is the increased insurance premiums, as you'll be considered a high-risk driver.

How quickly can I get an SR22?

The filing time for an SR22 varies depending on the insurer. However, most insurance companies can issue and file an SR22 within 48 hours.