Cheapest car insurance for high-risk drivers in Kansas

Which company has the cheapest car insurance in Kansas for a bad driving record?

Nationwide offers the cheapest average rate in Kansas for drivers with a poor driving record at $2,074 per year. Travelers and Progressive also rank among the more affordable insurers for high-risk drivers.

Having accidents, DUIs or traffic tickets on your driving record will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.

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?

State Farm has the cheapest average DUI insurance rates in Kansas at $2,071 per year. Drivers with a DUI often see some of the largest premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. increases because insurers consider a bad driving record a major risk factor.

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.

Keep reading as we break down high-risk car insurance factors and rates.

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?

Drivers in Kansas are considered high-risk if they have a DUI, multiple speeding tickets, at-fault accidents, reckless driving convictions, insurance lapses, an SR-22 requirement or a poor driving history. Teen drivers and new drivers also often pay higher premiums. Insurance companies use different rating formulas, so classifications vary by insurer.

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

State Farm offers the cheapest average rates after a DUI in Kansas 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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What is the cheapest car insurance in Kansas with multiple tickets?

Nationwide has the cheapest average rates for drivers with multiple tickets at $1,617 annually or $135 monthly.

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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Expert's Insight Two minor tickets can sometimes cost you more on insurance than one major violation.

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

State Farm has the cheapest average reckless driving insurance rates in Kansas at $2,071 per year. Reckless driving convictions often result in substantial premium increases and fewer coverage options.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

The table below compares car insurance rates for drivers with a clean driving record and 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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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

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

Nationwide has the cheapest average rates for drivers with poor credit in Kansas at $1,974 annually or $165 monthly.

Your credit score may affect your insurance rates, even though it is unrelated to your driving skills. Insurers often charge higher premiums to drivers with lower credit scores because they are statistically more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Kansas.

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 has the cheapest average rates after an accident at $2,160 per year. State Farm also offers lower-than-average rates at $2,200 annually.

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

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

Olathe has the cheapest average high-risk car insurance rates in Kansas at $2,671 annually. In comparison, Winona has the highest average premiums at $3,260 per 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?

High-risk drivers in Kansas can reduce insurance costs by comparing quotes and avoiding additional violations. Many insurers reward safer driving habits over time with lower premiums.

Ways to lower car insurance rates include:

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.
Take a defensive driving course. Many insurance companies offer a discount for completing the class, and some states remove driver's license points for successfully completing it.
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 Kansas 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.

What are Kansas's insurance requirements for high-risk drivers?

If you're considered a high-risk driver in Kansas, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

An SR-22 is not an insurance policy and doesn't require special coverage, but rates are much higher for high-risk drivers, and not all carriers insure such drivers.

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

FAQ: High-risk car insurance in Kansas

Can high-risk drivers get full coverage car insurance in Kansas?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Kansas?

Not directly. It's the reason you need an SR-22 that will cause the rate increase. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.