Cheapest car insurance for high-risk drivers in Kansas

Which company has the 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

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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 a high-risk driver 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.

What company offers the cheapest car insurance in Kansas after a DUI?

Although many insurance companies provide coverage after a DUI, State Farm offers the most affordable rate at $2,071 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Kansas for drivers with a clean record versus those with a DUI.

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

For drivers with multiple tickets, Nationwide offers the lowest premiums, averaging $1,617 per year or $135 per month.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

This table shows drivers in Kansas how much having multiple tickets can raise their insurance 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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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in Kansas?

State Farm offers the most affordable rates for drivers with reckless driving convictions, averaging $2,071 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those 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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Key insight

A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Company has the cheapest car insurance for drivers with bad credit in Kansas?

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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What company has the cheapest car insurance in Kansas after an accident?

Nationwide offers the lowest rates after an accident, averaging $2,160 per year. State Farm is another budget-friendly option, with rates around $2,200 a year.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean 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

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Key insight

Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Kansas?

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 can high-risk drivers lower their car insurance rates in Kansas?

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.

Are Kansas's insurance requirements for high-risk drivers?

If you're a high-risk driver in Kansas, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage 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: