Official Kansas Guide

Kansas SR-22 Insurance

A complete roadmap to satisfying Kansas Division of Vehicles requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/25

$25k BI / $50k Total / $25k PD

Mandate Term

3 Years

Standard from date of reinstatement

Filing Fee

~$15 - $25

One-time administrative cost

How Kansas SR-22 Filing Works

In Kansas, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Kansas Department of Revenue (Division of Vehicles). It serves as proof that you carry the state-mandated minimum liability insurance (25/50/25) required to restore and maintain your driving privileges.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period.

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Who Needs to File in KS?

DUI / DWI Conviction: Operating a motor vehicle while under the influence of alcohol or drugs.
Uninsured Accident: Being involved in an accident while failing to maintain valid liability insurance.
Habitual Violator: Accumulating three or more serious traffic violations within a five-year period.
License Suspension: Any administrative hold or court order requiring proof of financial responsibility for reinstatement.

Don't Own a Car in Kansas?

You can still get reinstated! A Kansas Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow. It satisfies the Kansas Division of Vehicles requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The KS Reinstatement Timeline

Verify Requirements

Check your status on the Kansas Division of Vehicles online customer service portal to confirm your eligibility date.

Secure SR-22

Purchase a policy with 25/50/25 limits. Your insurance carrier will electronically transmit the certificate to the state database in Topeka.

Pay Reinstatement Fee

Pay the mandatory license restoration fee (typically $100 or more) online or at a local driver's license station.

Status Valid

Once the SR-22 is logged and the fee is processed, your driving privileges are officially restored in the state system.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Kansas:

First Offense

Suspension Extension

Court Fines

Up to $1,000 + Court Costs

SR-22 Period

3-Year Clock Resets

Legal Risk

Potential Vehicle Seizure

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Kansas Filing FAQs

How much is the filing fee in Kansas?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the Kansas Division of Vehicles. This is separate from your monthly premium.

Can I drive out of state with a KS SR-22?

Yes. Your Kansas SR-22 is valid nationwide. You must simply maintain the Kansas-mandated limits (25/50/25) to remain compliant with state law.

What is the difference between SR-22 and normal insurance?

An SR-22 is not insurance; it is a certificate of financial responsibility attached to your policy that notifies the state if your coverage lapses.

Can I get a Non-Owner policy in KS?

Yes, Kansas allows Non-Owner SR-22 filings. It is often the most cost-effective way to restore your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. Kansas law requires insurers to notify the state immediately (via SR-26) if your policy lapses, which triggers an instant automatic suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, contact the Kansas Division of Vehicles to confirm the requirement is clear. You can then instruct your insurer to remove the SR-22 filing.

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