- Cheapest car insurance in Kansas for a bad driving record
- How much is high-risk car insurance in Kansas?
- Cheapest car insurance in Kansas with a DUI
- Cheapest car insurance in Kansas with multiple tickets
- Cheapest car insurance in Kansas with a reckless driving conviction
- Cheapest car insurance in Kansas with bad credit
- Cheapest car insurance after an accident in Kansas
- Cheapest car insurance in Kansas by city
- How to reduce car insurance rates in Kansas for a bad driving record
- Kansas car insurance laws for high-risk drivers
- Methodology
- Compare Kansas high-risk driver car insurance rates with other states
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 you'll 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 |
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.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| 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 |
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 has the lowest rate at $2,071 a year.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. 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 |
Cheapest car insurance in Kansas with multiple tickets
Nationwide is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,617 a year or $135 a month.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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 |
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 |
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 |
Cheapest car insurance after an accident in Kansas
Nationwide has the lowest average rates after an accident at $2,160 a year. State Farm also offers affordable rates, averaging $2,200 per year.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving record, one 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 |
Cheapest car insurance in Kansas by city
Olathe has the cheapest car insurance rates in Kansas, averaging $2,671 a year. However, the most expensive city is Winona, with average insurance rates of $3,260 annually.
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.
| 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 |
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:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
Compare Kansas high-risk driver car insurance rates with other states
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