Cheapest car insurance for high-risk drivers in Kansas

Cheapest car insurance in Kansas for a bad driving record

Nationwide, Travelers, Progressive provides affordable car insurance for high-risk drivers with bad driving record in Kansas.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning youll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Nationwide	$1,316	$2,074
Travelers	$1,601	$2,271
Progressive	$1,937	$2,545
GEICO	$1,622	$2,782
Farmers	$1,992	$3,055
State Farm	$1,976	$3,397
Allstate	$2,968	$3,750
USAA	$1,151	$1,879

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How much is high-risk car insurance in Kansas?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Kansas, high-risk car insurance costs $2,949 per year. However, you can get rates as low as $2,074 annually from Nationwide.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Kansas, KS is $3,028

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Company	Annual premium for clean record	Annual premium after violation
USAA	$1,151	$1,673
Nationwide	$1,316	$2,160
State Farm	$1,976	$2,200
Travelers	$1,601	$2,270
GEICO	$1,622	$2,806
Progressive	$1,937	$2,843
Farmers	$1,992	$3,923
Allstate	$2,968	$4,487

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Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance in Kansas?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

Cheapest car insurance in Kansas with a DUI

While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $2,071 annually.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after a DUI in Kansas.

Company	Average annual premium for clean record	Annual premium for a DUI
State Farm	$1,976	$2,071
Progressive	$1,937	$2,097
Travelers	$1,601	$2,403
Nationwide	$1,316	$2,809
Farmers	$1,992	$3,451
Allstate	$2,968	$3,875
GEICO	$1,622	$5,250
USAA	$1,151	$2,736

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Cheapest car insurance in Kansas with multiple tickets

The cheapest insurer for drivers with multiple tickets is Nationwide, with rates averaging $1,617 annually or $135 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows Kansas drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
Nationwide	$1,316	$1,617
GEICO	$1,622	$1,889
State Farm	$1,976	$2,071
Travelers	$1,601	$2,145
Progressive	$1,937	$2,409
Farmers	$1,992	$2,444
Allstate	$2,968	$3,288
USAA	$1,151	$1,411

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Cheapest car insurance in Kansas with a reckless driving conviction

State Farm has the cheapest rates for drivers with reckless driving convictions at $2,071 a year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
State Farm	$1,976	$2,071
Travelers	$1,601	$2,152
Progressive	$1,937	$2,736
Nationwide	$1,316	$2,809
Farmers	$1,992	$3,592
GEICO	$1,622	$3,686
Allstate	$2,968	$3,875
USAA	$1,151	$1,580

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Cheapest car insurance in Kansas with bad credit

The cheapest Kansas insurer for bad credit is Nationwide, with rates averaging $1,974 annually or $165 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.

Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistically, drivers with a low credit score fit that description.

Check out the table below to see how your credit score affects Kansas car insurance.

Company	Annual premium for good credit	Annual premium for bad credit
Nationwide	$1,316	$1,974
GEICO	$1,622	$2,091
Travelers	$1,601	$2,637
Progressive	$1,937	$3,205
Farmers	$1,992	$3,958
Allstate	$2,968	$4,886
State Farm	$1,976	$10,030
USAA	$1,151	$2,256

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Cheapest car insurance after an accident in Kansas

Nationwide has the lowest rates after an accident at $2,160 a year. State Farm also has affordable rates at $2,200 a year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single at fault accident, and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
Nationwide	$1,316	$2,160	$2,977
State Farm	$1,976	$2,200	$2,200
Travelers	$1,601	$2,228	$2,720
GEICO	$1,622	$2,806	$3,876
Progressive	$1,937	$2,843	$3,866
Farmers	$1,992	$3,769	$5,430
Allstate	$2,968	$4,487	$6,288
USAA	$1,151	$1,673	$2,485

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Cheapest car insurance in Kansas by city

In Kansas, the lowest car insurance rates are found in Olathe, averaging $2,671 annually. On the other hand, Winona has the highest rates at $3,260 a year.

Where you live in Kansas matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.

City	Average annual premium for clean record	Annual premium for high-risk driver
Olathe	$1,706	$2,671
Overland Park	$1,718	$2,692
Atchison	$1,800	$2,798
Bonner Springs	$1,800	$2,809
Winchester	$1,860	$2,887
Benedict	$1,911	$2,937
Beloit	$1,917	$2,965
Kansas City	$1,956	$3,050
Kinsley	$2,015	$3,105
Winona	$2,112	$3,260

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How to reduce car insurance rates in Kansas for a bad driving record

Finding affordable car insurance in Kansas is possible, even with a bad driving record. Ways to lower car insurance rates include:

Where you live in Kansas also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

PEOPLE ASK:

How long are you considered a high-risk driver in Kansas?

Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

Kansas car insurance laws for high-risk drivers

If you're a high-risk driver in Kansas, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies for high risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on: