The General Writes SR-22 But Won't Quote You Yet
You call The General because you know they specialize in high-risk drivers and you need SR-22 coverage to reinstate your Kansas license. The agent confirms they file SR-22 in Kansas. Then they ask for your license number and tell you they cannot provide a quote until your license is active again. You are suspended right now — that is why you need the SR-22. The conversation ends without a policy.
This is not a mistake or a regional quirk. The General operates in Kansas and files SR-22, but their underwriting system requires an active driver's license before issuing a new policy. Kansas law allows you to buy insurance while suspended — KDOR requires proof of coverage before reinstatement — but The General's internal eligibility rules create a timing mismatch that blocks suspended drivers at the quote stage.
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Get Your Free QuoteKansas License Suspension Period
90 days
Kansas suspends your license for 90 days after most first-time violations triggering SR-22 requirements, including DUI under K.S.A. 8-1567 and uninsured driving under K.S.A. 40-3104. You cannot drive during this period without restricted privileges approved by KDOR.
Kansas Department of Revenue, Division of Vehicles
Why The General Requires Active License Status
The General underwrites non-standard auto insurance for drivers with violations, lapses, and DUIs. Their business model assumes you have already navigated reinstatement and now need affordable coverage post-suspension. They do not position themselves as a reinstatement-phase carrier. Their quote system pulls your driving record from the state and flags suspended status as an automatic decline at application.
Kansas does not prohibit insurers from writing policies for suspended drivers. State law only requires that you maintain continuous coverage once reinstated and file SR-22 for the full required period — typically one year from your reinstatement date for DUI and uninsured driving violations. Carriers set their own underwriting eligibility rules. The General has chosen not to write new business for drivers whose licenses are currently suspended, even though they file SR-22 for existing policyholders who later face suspension.
This creates a procedural gap. You need insurance to reinstate. The General will not quote you until you reinstate. You cannot reinstate without insurance. The loop closes only if you find a carrier willing to write a policy while your license is suspended, then switch to The General after reinstatement if their rates are better.
The General files SR-22 in Kansas but will not issue a new policy while your license is suspended — you must find coverage elsewhere first, then switch post-reinstatement.
Non-Standard Carriers That Write During Suspension
Progressive writes SR-22 policies for suspended Kansas drivers and quotes online without requiring active license status. Their non-standard tier accepts DUI, uninsured driving, and points-related suspensions. You enter your license number at application; the system pulls your record and prices the violation surcharge into the quote. Progressive files SR-22 electronically with KDOR within 24 hours of policy binding. Rates for suspended drivers typically run $202–$421 per month depending on violation type and county.
Dairyland, Bristol West, and National General also write SR-22 during suspension in Kansas. All three operate in the non-standard tier and accept applications from drivers with active suspensions. Dairyland and Bristol West require broker contact for suspended-driver quotes; National General offers online quoting but may redirect high-risk applications to phone underwriting. All three file SR-22 electronically and meet KDOR requirements for reinstatement.
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Switching to The General After Reinstatement
Once your license is reinstated and your SR-22 filing is active, The General becomes a viable option. You are no longer suspended — their underwriting system will process your application. Kansas requires continuous SR-22 coverage for one year from reinstatement for most violations. If you switch carriers during that period, your new carrier must file SR-22 with KDOR before your old policy cancels. Any gap in SR-22 coverage resets your filing clock and may trigger a new suspension.
The General's rates post-reinstatement may be lower than the carrier you used during suspension, especially if you started with a high-cost non-standard specialist. Request a quote from The General 60–90 days after reinstatement. Your driving record will still show the violation, but the suspension notation will be cleared. Compare the quote against your current premium. If The General offers a better rate, coordinate the switch so SR-22 filing transfers without a gap.
Not all suspended drivers benefit from switching. If your current carrier's rate is competitive and you have already paid a six-month premium, switching mid-term may cost more in fees and down payments than you save in monthly premium. Run the numbers before committing. The General is one option in a competitive non-standard market — not automatically the cheapest post-reinstatement.
Kansas Reinstatement Fee
These fees are due at reinstatement and are separate from your insurance premium and the carrier's SR-22 filing fee.
Kansas Department of Revenue, Division of Vehicles
SR-22 Filing Mechanics in Kansas
Kansas SR-22 is an electronic certificate filed by your insurer with KDOR Division of Vehicles under K.S.A. 40-3118(d). The certificate proves you carry liability coverage meeting state minimums: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Your carrier files SR-22 when you bind the policy and notifies KDOR if the policy cancels for any reason. KDOR tracks your filing status continuously for the required one-year period.
The General files SR-22 electronically once your policy is active. The filing itself takes 24–48 hours to process. KDOR will not approve your reinstatement application until the SR-22 filing appears in their system, so coordinate your policy start date with your planned reinstatement appointment.
Compare Carriers Writing Your Situation Now
The General is not an option until after reinstatement. You need coverage now to satisfy KDOR's insurance requirement and move forward with reinstatement. Progressive, Dairyland, Bristol West, and National General write SR-22 policies for suspended Kansas drivers and file electronically with the state. Request quotes from all four carriers that accept suspended-driver applications, compare monthly premiums and down payments, and bind the policy that fits your budget. Once your license is reinstated and SR-22 is active, revisit The General and other non-standard carriers to confirm you are still getting competitive rates. The carrier that writes you during suspension is not required to be the carrier you stay with long-term.