Restricted License Insurance — Kansas

Covers injuries and property damage you cause to others in an at-fault accident. The Kansas Department of Revenue can suspend registration and driving privileges if continuous proof of insurance lapses for any reason, including missed premium payments.

An SR-22 is not insurance — it is a certificate your carrier files electronically with the Kansas Department of Revenue proving you carry at least state minimum coverage. Kansas restricted license applicants must have active SR-22 filing before the district court will approve the permit. If your SR-22 lapses for any reason including policy cancellation or non-payment, the Kansas Department of Revenue receives electronic notification within 24 hours and suspends your restricted license immediately without additional hearing.

Covers your injuries when an at-fault driver has no insurance or insufficient coverage to pay your claim. Kansas law requires carriers to offer uninsured motorist coverage equal to your liability limits unless you reject it in writing on a specific form. Verbal rejection does not count — if you do not complete the rejection form at policy inception, the coverage is added automatically and billed to your premium.

Kansas district courts order ignition interlock device installation as a condition of restricted license approval for DUI suspensions. The device prevents vehicle start if breath alcohol exceeds 0.025 BAC. Kansas restricted license holders must use an approved IID provider certified by the Kansas Department of Revenue — installation at non-approved shops voids the restricted permit.

Provides liability coverage and SR-22 filing for Kansas drivers who do not own a vehicle but need to reinstate their license or maintain restricted license status. If you later purchase a vehicle, you must convert to a standard policy and notify the Kansas Department of Revenue within 30 days or your SR-22 status lapses.