Car insurance companies charge more to insure drivers who are at a higher risk of filing a claim. The most common red flags for insurers are serious driving violations like reckless driving or a DUI, multiple tickets or accidents and even bad credit.
The average rate for high-risk car insurance in Kansas is $1,772. High-risk drivers in Kansas can expect to pay between $2,242 and $3,898 for car insurance depending on the reason for the rate increase.
The cheapest insurance in Kansas for high-risk drivers is, on average, State Farm, however, it will vary based on your exact situation.
If you’re a high-risk driver, finding cheap car insurance in Kansas will be more of a challenge. We’ve compared auto insurance rates for high-risk drivers from top companies to help you save.
Key takeaways
- The average cost of high-risk car insurance in Kansas is $1,772, but it varies depending on what’s on your record.
- The average car insurance rate for a driver with a DUI in Kansas is $1,485, while a driver with a reckless driving conviction pays $1,357 on average.
- Bad credit can also land you in the high-risk category, with an average rate of $1,389 in Kansas.
- Cheapest car insurance for high-risk drivers in Kansas
- Average rates for high-risk drivers in Kansas by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Kansas
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Kansas is State Farm, followed by American Family and USAA.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,772 | $148 |
| American Family | $1,998 | $167 |
| USAA | $2,014 | $168 |
| Nationwide | $2,062 | $172 |
| Progressive | $2,330 | $194 |
| Travelers | $2,402 | $200 |
| Farmers | $2,953 | $246 |
| Allstate | $3,511 | $293 |
| Auto-Owners | $3,953 | $329 |
| Geico | $3,960 | $330 |
Average rates for high-risk drivers in Kansas by driving record
Average cost of car insurance in Kansas for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Kansas for a driver with a DUI is State Farm with an average annual of $1,485 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| State Farm | $1,485 | $124 |
| Progressive | $1,631 | $136 |
| American Family | $1,686 | $140 |
| Nationwide | $2,122 | $177 |
| Travelers | $2,185 | $182 |
| USAA | $2,345 | $195 |
| Farmers | $2,433 | $203 |
| Allstate | $3,086 | $257 |
| Auto-Owners | $3,900 | $325 |
| Geico | $4,051 | $338 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Kansas, the cheapest car insurance with multiple tickets is from USAA. It offers full coverage insurance at $1,458 per year or $121 monthly.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| USAA | $1,458 | $121 |
| State Farm | $1,485 | $124 |
| Nationwide | $1,507 | $126 |
| American Family | $1,805 | $150 |
| Progressive | $2,210 | $184 |
| Travelers | $2,216 | $185 |
| Geico | $2,305 | $192 |
| Allstate | $2,738 | $228 |
| Farmers | $2,793 | $233 |
| Auto-Owners | $3,900 | $325 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Kansas, USAA offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,357 a year.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| USAA | $1,357 | $113 |
| State Farm | $1,485 | $124 |
| Travelers | $1,948 | $162 |
| American Family | $2,063 | $172 |
| Progressive | $2,097 | $175 |
| Nationwide | $2,122 | $177 |
| Farmers | $2,793 | $233 |
| Auto-Owners | $2,838 | $237 |
| Geico | $2,859 | $238 |
| Allstate | $3,086 | $257 |
Cheapest car insurance with bad credit
Although it’s not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Kansas is Nationwide with an average annual cost of $1,389 or $116 per month.
| Company | Avg Annual Premium | Avg Monthly Premium |
|---|---|---|
| Nationwide | $1,389 | $116 |
| Geico | $1,657 | $138 |
| USAA | $1,925 | $160 |
| American Family | $2,299 | $192 |
| Travelers | $2,581 | $215 |
| Progressive | $2,586 | $216 |
| Farmers | $2,793 | $233 |
| State Farm | $3,116 | $260 |
| Auto-Owners | $3,282 | $274 |
| Allstate | $3,666 | $305 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
