Car insurance for high risk drivers in Kansas

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High-risk drivers tend to pay more for auto insurance, compared to drivers with a clean record. If your driving record contains multiple at-fault accidents or a history of reckless driving, your license may even be suspended, restricted or revoked. If your traditional vehicle insurance drops you from coverage or is no longer affordable, you can purchase Kansas high risk auto insurance as an alternative coverage option.

High-risk car insurance Kansas rates

The cost of your Kansas vehicle insurance depends on your driving record, vehicle and level of coverage, among other things. Kansas high-risk auto insurance is often cheaper than traditional coverage. Each carrier has its own threshold of risk when pricing your vehicle insurance. One company may provide affordable insurance for a driver with speeding tickets but increase premiums sharply after an accident or claim.

Rates after a speeding ticket

Speeding tickets could increase your auto insurance rates to a greater or lesser extent, depending on the insurance carrier and circumstances. While no formula exists to determine which insurance company will be cheaper after a speeding ticket, Bankrate’s review of rates from Quadrant Information Services found USAA, State Farm and Farmers to be the most affordable carriers, on average.

Car insurance company Kansas average annual premium for full coverage before a speeding ticket Kansas average annual premium for full coverage after a speeding ticket % difference
USAA $1,225 $1,436 17%
State Farm $1,280 $1,383 8%
Farmers $1,335 $1,821 36%

If you complete an approved traffic school course after getting a speeding ticket, you may be able to avoid an increase in your insurance rates. The course can typically be completed online or in person in around eight hours, depending on the provider.

Rates after an accident

In Kansas, being held responsible for a car accident will increase your premiums more than a speeding ticket. However, when it comes to high-risk auto insurance, Kansas rates can vary immensely from one insurance company to another.

Car insurance company Kansas average annual premium for full coverage before an accident Kansas average annual premium for full coverage after an accident % difference
USAA $1,225 $1,691 38%
State Farm $1,280 $1,487 16%
Farmers $1,335 $1,938 45%

USAA car insurance may be the cheapest coverage for safe drivers, but a single accident could increase your premiums 38%. Meanwhile, State Farm’s rates increase by 16% and Farmers rates increase by 45% after an accident on average.

Rates after a DUI

Driving under the influence may be the most dangerous risk a driver could take both financially and in regards to their own safety and that of others. For this reason, rates with a DUI conviction typically see the highest increase.

Here’s how getting a DUI can impact auto insurance rates.

Car insurance company Kansas average annual premium for full coverage before a DUI Kansas average annual premium for full coverage after a DUI % difference
USAA $1,225 $2,776 127%
State Farm $1,280 $1,656 29%
Farmers $1,335 $1,868 40%

Drivers convicted of a DUI in Kansas may need to ask their insurer about any additional paperwork required, such as SR-22 forms, which are required in other states.

Rates for teen drivers

Car insurance premiums for parents who add their teen kids to their policies in Kansas are higher than the average cost of car insurance for an adult driver on their own policy. For drivers in this state, here’s how much is added by including a teen driver to their parents’ policy.

Car insurance company Average annual premium for full coverage
USAA $2,703
State Farm $3,149
Farmers $2,479

*16-year-old on their parent’s policy

To get the best rate for you and your teen driver, it’s best to compare multiple quotes, as rates vary widely by company.

Who is a high-risk driver?

Insurance companies consider drivers with a DUI conviction or with more than one accident or moving violation to be high-risk drivers. High-risk drivers come in all ages and experience levels.
Many states may suspend or revoke your license after accumulating six points. Kansas does not use a point-based system like many other states. However, you could receive tickets and other penalties such as fines or imprisonment for driver negligence.

How high-risk drivers can lower their insurance rates

High-risk drivers face limited carrier options and costlier premiums. One way to offset the limited options is by finding ways to reduce the cost of coverage:

  • Compare multiple carriers to find the cheapest coverage based on your needs.
  • Use as many discounts as possible, such as accident forgiveness, low mileage, student driver or multi-line discounts.
  • Raise your deductibles to the highest amounts you can afford.

Saving as little as 5 to 10 percent on your vehicle insurance could translate to hundreds of dollars over time.

Frequently asked questions

What is an SR-22?

An SR-22 is a certificate of financial responsibility that confirms you have the minimum amount of car insurance required to drive. It’s a form filed by your insurance company with the DMV on your behalf. This form is not required for high-risk drivers in Kansas.

Do I need extra car insurance if I’m a high-risk driver?

All Kansas drivers are required to have the following:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist bodily injury liability per person
  • $50,000 uninsured motorist bodily injury liability per accident
  • $25,000 underinsured motorist bodily injury liability per person
  • $50,000 underinsured motorist bodily injury liability per accident
  • Personal injury protection (PIP) in Kentucky has two parts:
  • $4,500 per person for medical expenses
  • Individual limits within PIP apply for disability and/or loss of income; in-home services; funeral, burial or cremation expenses; rehabilitation expenses; and survivor benefits.

How many points do I get in Kansas if I cause an accident?

Kansas assigns fines and penalties if you’re a negligent operator (responsible for a car crash). Fines can total between $25 and $500, and drivers may or may not also be subject to imprisonment, depending on the severity or frequency of the incident.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.

High-risk drivers
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is an insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor