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.

CompanyAvg Annual PremiumAvg 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

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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.

CompanyAvg Annual PremiumAvg 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.

CompanyAvg Annual PremiumAvg 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.

CompanyAvg Annual PremiumAvg 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.

CompanyAvg Annual PremiumAvg 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

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.

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