SR-22 insurance is a certificate filed by a car insurance company with Kansas state proving that you possess the minimum required insurance to fulfill its financial responsibility requirements. Kansas state law mandates drivers who are uninsured or have been convicted of traffic violations to carry SR-22 insurance at all times.
If you have committed specific violations such as driving uninsured, driving under the influence, driving without a license, or similar traffic infractions, you must purchase SR-22 insurance. This document must be owned for three straight years and can be quite expensive if you are not familiar with the process of shopping for cheap rates.
If you don't have an SR-22 policy and you have been convicted of vehicular infractions, your driving privileges will be withheld by the State, and you must maintain insurance to show that you truly have it. It is common knowledge that Kansas does not take kindly to drunk drivers. The State has one of the heaviest penalties for drunk driving offenses.
First-time offenders must serve 100 hours of public or a jail time of 48 hours. You may also be charged a fine that can be as much as $1000 depending on the offense. Additionally, your license will be suspended for a month, after which it will be placed under probation for the next eleven months.
In some cases, the State may impound your car for up to twelve months. Some judges might recommend that you undergo a treatment program. These are just some of the consequences of drunk driving in Kansas.
As we mentioned earlier, purchasing SR-22 insurance is an expensive venture in Kansas. However, the steep cost isn’t due to the insurance policy itself. The cost of processing SR-22 insurance is less than $50, but the monthly insurance rate will be costly based on the type of violation that warranted the SR-22 certificate in the first instance.
Auto insurance companies bill high-risk drivers higher because of the increased possibility of a payout claim.
Your monthly insurance rate depends on the frequency and nature of your infractions. The cost of Kansas SR-22 insurance on average is $1300 more for drivers with a DUI conviction, $750 for drivers who have been involved in a collision, and $500 more for speeding tickets.
Many auto insurers in Kansas provide SR-22 insurance to drivers that are considered high-risk. It is crucial to compare different insurer’s rates to find the best value for money. You may even switch insurers after getting the SR-22 certificate from the initial company.
Getting your license restored is another ballgame entirely, compared to the processing fee. Kansas state charges a reinstatement fee when you restore your license, and this amount can range between $100 to $1000 depending on your record, including a $25 exam fee.
Additionally, you have to factor in court costs, which have to be paid for before proceeding with your SR-22 application.
If you have been convicted of any serious vehicular infractions, odds are you will be charged a premium for auto insurance. Auto insurers will predict future behavior based on your past driving record, which will inevitably lead to costlier fees. It is a guarantee that high-risk drivers get charged more than the average driver.
As soon as the court requests you to maintain SR-22 insurance, immediately call your auto insurance agent to file an SR-22 certificate. Your insurance company will then send the form directly to the Kansas Department of Revenue or have you submit it yourself.
The Department of Motor Vehicles is under the jurisdiction of the Department of Revenue. To file for SR-22 insurance in Kansas:
To avoid getting your license suspended:
- Take note of payment deadlines.
- Renew your SR-22 policy at least two weeks before the due date
- Ensure your coverage maintenance is continuous.
Kansas state law recommends that an SR-22 certificate for a suspended license be kept on file for twelve months. If you move to another state or switch auto insurers, you must update your information on the SR-22 form with the Department of Revenue.