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Kansas DUI and Violation Insurance Requirements

Kansas requires 25/50/25 liability coverage and is a no-fault state.

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Kansas at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP and Uninsured motorist coverage must be on every policy

No

A defensive driving course does not remove points here

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Kansas

After a DUI conviction, license suspension, or serious moving violation in Kansas, your current insurance carrier will typically issue a non-renewal notice at your policy's end date—not an immediate cancellation. You will need to obtain high-risk auto insurance from a carrier that files SR-22 certificates with the Kansas Department of Revenue, which typically requires maintaining continuous coverage for three to five years. Kansas mandates minimum liability limits of 25/50/25, but you must carry this coverage without any lapse during the SR-22 filing period.

SR-22 Certificate

SR-22 is not a type of insurance—it is a certificate your insurer files with the Kansas Department of Revenue proving you carry the state's required minimum liability coverage. Not all carriers offer SR-22 filing, which is why most drivers with violations are placed with non-standard or high-risk insurers.

Liability Insurance

For violation drivers, this is the legal floor—many non-standard carriers require higher limits or charge near-full-coverage rates even for liability-only policies due to risk classification.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers—those with DUIs, violations, lapses, or suspensions on their record. These insurers file SR-22 certificates and accept drivers that standard carriers will not renew. Premiums are higher, but this is typically the only market segment available immediately after a violation.

High-Risk Auto Insurance

High-risk auto insurance refers to policies written for drivers classified as high-risk due to DUI, multiple violations, or license suspensions. Kansas does not operate an assigned risk pool for all drivers, so securing coverage from a willing high-risk carrier is essential to meet SR-22 filing requirements and reinstate driving privileges.

Collision and Comprehensive Coverage

If you have an auto loan or lease, your lender will require collision and comprehensive coverage regardless of your violation status. High-risk carriers charge significantly higher premiums for full coverage due to increased perceived risk, so expect quotes 2–4 times higher than pre-violation rates.

What Drivers Pay in Kansas

$266–$283/mo

Typical monthly rate in Kansas, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Time since violation—rates begin decreasing after 3 years if no new violations occur
  • Age and gender—drivers under 25 with violations face compounded risk classification
  • Carrier availability—only a subset of carriers in Kansas file SR-22 certificates, limiting competition
  • Payment plan—many high-risk carriers require larger down payments or charge monthly fees for installment plans
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Get Back to a Fair Rate After a Violation

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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUI, multiple violations, or suspensions. These policies meet Kansas SR-22 filing requirements and provide the liability protection needed to reinstate your license.

Non-Standard Auto Insurance

Policies from carriers specializing in high-risk drivers. Non-standard insurers file SR-22 certificates and accept drivers that standard carriers will not renew after violations.

SR-22 Insurance

Not a separate insurance product—SR-22 is a certificate filed by your insurer proving you meet Kansas minimum coverage requirements. The filing itself costs $15–$50, but premiums increase due to violation surcharges.

Liability Insurance

The minimum coverage required by Kansas law: 25/50/25. For violation drivers, this is the legal floor, but many non-standard carriers require higher limits to issue a policy with SR-22 filing.

Find Your City in Kansas

Wichita

urban

Overland Park

suburban

Kansas City

urban

Olathe

suburban

Topeka

urban

Lawrence

urban

Manhattan

urban

Salina

urban