- Does a DUI raise car insurance rates in Kansas?
- How much does a DUI raise your insurance in Kansas?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Kansas?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Kansas
- Kansas DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Kansas DUI insurance: Frequently asked questions
- Compare Kansas DUI car insurance rates with other states
Does a DUI raise car insurance rates in Kansas?
With a clean driving record, car insurance in Kansas costs $1,900. However, after a DUI, the average rate rises to $3,322, which is $1,422 higher.
Auto insurers raise premiums significantly when they view you as a high-risk driver. If you receive multiple DUIs, average rates rise sharply to $5,104.
How much does a DUI raise your insurance in Kansas?
The cheapest insurer after a DUI is State Farm, with rates averaging $2,071. The next cheapest insurer is Progressive a difference of $26 from State Farm. Travelers has the third-most affordable car insurance rates with a DUI.
Not only is driving under the influence dangerous, but it's also expensive. You'll face hefty fines and increased car insurance rates for years. However, every company weighs a DUI differently and offers different rates, so comparing quotes from multiple insurers is essential.
This table shows average car insurance rates after a DUI in Kansas.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| State Farm | $1,976 | $2,071 | $2,071 |
| Progressive | $1,937 | $2,097 | $2,915 |
| Travelers | $1,601 | $2,403 | $3,239 |
| Nationwide | $1,316 | $2,809 | $3,975 |
| Farmers | $1,992 | $3,451 | $4,583 |
| Allstate | $2,968 | $3,875 | $5,243 |
| GEICO | $1,622 | $5,250 | $12,923 |
| USAA | $1,151 | $2,736 | $3,342 |
PEOPLE ASK:
What happens when you get a DUI in Kansas?
If you're convicted of a DUI in Kansas, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for five years.
If someone gets a DUI in your car, does it go on your insurance?
Typically, the insurance follows the car, not the driver, so your car insurance won't increase since the DUI won't be on your driving record.
However, your premiums may rise if your car is involved in an accident caused by a DUI. Your vehicle may also be treated as a crime scene after the crash, meaning you won't be able to access it until the police release it.
How long does a DUI affect your insurance in Kansas?
Even though a DUI may remain on your driving record for life, it won't affect your insurance rates forever. In Kansas, a DUI impacts car insurance and stays on your record for five years. Your premiums should begin to decrease after a few years of keeping a clean driving record without further violations.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DUI raise insurance by age group?
Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a DUI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a DUI is $5,080.
Here are the most affordable insurers after a DUI by age:
- For teens: State Farm offers the lowest rate at $5,080.
- For young adults: State Farm provides the cheapest coverage for young adults at $2,445.
- For adults: State Farm is the most affordable option, with an average rate of $2,071.
- For seniors: State Farm offers the lowest average rate at $1,795.
This table illustrates how a DUI impacts car insurance rates across different age groups.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| State Farm | $4,793 | $5,080 | $287 | 6% |
| Nationwide | $3,774 | $5,259 | $1,485 | 39% |
| Travelers | $3,694 | $5,329 | $1,635 | 44% |
| Progressive | $8,110 | $8,126 | $16 | 0% |
| Farmers | $6,337 | $9,967 | $3,630 | 57% |
| GEICO | $5,025 | $11,759 | $6,734 | 134% |
| Allstate | $10,366 | $14,491 | $4,125 | 40% |
| State Farm | $4,793 | $5,080 | $287 | 6% |
| Nationwide | $3,774 | $5,259 | $1,485 | 39% |
| Travelers | $3,694 | $5,329 | $1,635 | 44% |
| Progressive | $8,110 | $8,126 | $16 | 0% |
| Farmers | $6,337 | $9,967 | $3,630 | 57% |
| GEICO | $5,025 | $11,759 | $6,734 | 134% |
| Allstate | $10,366 | $14,491 | $4,125 | 40% |
| USAA | $3,537 | $5,890 | $2,353 | 67% |
| USAA | $3,537 | $5,890 | $2,353 | 67% |
How much does a DUI raise your insurance in your city?
The least expensive city in Kansas for car insurance after a DUI is Olathe, while the costliest city is Winona, with an average rate of $3,684. Your location influences your insurance costs, even without a DUI. Drivers in areas with heavier traffic or higher rates of vehicle theft typically face higher premiums because their cars are at a greater risk. A DUI then raises those already elevated rates even more.
This table lists the average car insurance rates after a DUI by city. Compare prices in major cities and rural areas to understand how your location influences your rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Atchison | $1,800 | $3,153 | $1,353 | 75% |
| Beloit | $1,917 | $3,374 | $1,457 | 76% |
| Benedict | $1,911 | $3,291 | $1,380 | 72% |
| Bonner Springs | $1,800 | $3,176 | $1,376 | 76% |
| Kansas City | $1,956 | $3,451 | $1,495 | 76% |
| Kinsley | $2,015 | $3,466 | $1,451 | 72% |
| Olathe | $1,706 | $3,008 | $1,302 | 76% |
| Overland Park | $1,718 | $3,021 | $1,303 | 76% |
| Winchester | $1,860 | $3,233 | $1,373 | 74% |
| Winona | $2,112 | $3,684 | $1,572 | 74% |
| Atchison | $1,800 | $3,153 | $1,353 | 75% |
| Beloit | $1,917 | $3,374 | $1,457 | 76% |
| Benedict | $1,911 | $3,291 | $1,380 | 72% |
| Bonner Springs | $1,800 | $3,176 | $1,376 | 76% |
| Kansas City | $1,956 | $3,451 | $1,495 | 76% |
| Kinsley | $2,015 | $3,466 | $1,451 | 72% |
| Olathe | $1,706 | $3,008 | $1,302 | 76% |
| Overland Park | $1,718 | $3,021 | $1,303 | 76% |
| Winchester | $1,860 | $3,233 | $1,373 | 74% |
| Winona | $2,112 | $3,684 | $1,572 | 74% |
How to get car insurance after a DUI in Kansas
Insurers will label you a high-risk driver after a DUI, but you can still secure car insurance. Finding suitable coverage following a DUI conviction may require some additional effort.
If you already have car insurance and receive a DUI, your insurer will likely continue your policy; however, your premiums will increase at renewal time.
If you need car insurance after a DUI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in Kansas since each insurer offers different rates after a DUI.
Kansas DUI insurance requirements and penalties
A DUI in Kansas requires you to follow certain rules for high-risk drivers. In Kansas, you are required to obtain an SR-22. An SR-22 is a document your insurer files with the state to prove you carry at least the minimum level of car insurance required by law. The SR-22 itself doesn't raise your rates, but the violation that triggered the requirement does.
A DUI can result in fines, a suspended driver's license, vehicle impoundment, and even jail time. Repeat offenses come with even tougher consequences. You may also be responsible for attorney costs, towing expenses, and impound fees.
The table below outlines Kansas DUI laws and penalties for first and repeat offenses.
| Increased penalty for high BAC | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| 0.15 | 30 days | None | Highly incentivized for all convictions | Yes | Yes |
| 0.15 | 30 days | None | Highly incentivized for all convictions | Yes | Yes |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI affects car insurance rates for at least three years, but the actual time varies. In some states like California, a DUI can affect rates for 10 years.
Kansas drivers can expect to pay higher car insurance rates after a DUI and expect it to stay on their record for five years.
Tips to save money after a DUI
A DUI can cost you thousands in fines, fees, and higher car insurance premiums. Fortunately, you can still take steps to reduce your rates after a DUI.
Ways Kansas drivers can reduce car insurance costs after a DUI include:
- Raising your deductible to lower your premium
- Checking for discounts, such as multi-policy savings or vehicle safety feature discounts
- Maintaining a clean driving record moving forward
- Completing a defensive driving course
- Working to improve your credit score
- Comparing quotes from several insurers
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, 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
Additional rate data is drawn based on:
- One and two DUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Kansas DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
Depending on the state, a DUI can remain on your driving record for up to 10 years. In most cases, a DUI affects car insurance rates for only three to five years.
Will my insurance drop me after a DUI in Kansas?
Most insurers will not cancel your policy after a single DUI, but your rates will rise sharply. However, multiple DUIs may lead your insurer to deny coverage. The higher the risk you present, the harder it becomes to secure car insurance.
Compare Kansas DUI car insurance rates with other states
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