How a speeding ticket impacts your insurance in Kansas

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It is not uncommon for a motorist to have a few speeding tickets on their driving record. But they can potentially have a negative effect on your insurance premiums, since having any traffic incident on your record can cause you to be considered a high-risk driver. After a speeding ticket in Kansas, your cost of car insurance may increase, depending on your insurance company and the severity of the ticket. Whether you already have a speeding ticket on your record or are worried about what might happen if you get one in future, it is always helpful to be aware of the consequences that might follow a speeding violation in Kansas.

How much is a speeding ticket in Kansas?

Going over the speed limit in Kansas is considered a moving violation and can result in state or local penalties. The speeding ticket cost in Kansas usually depends on how much in excess of the speed limit you were traveling. Although there is no point system used here, if you have more than three moving violations, your license may be suspended and you might also need to appear in court. The cost of appearing in court varies by your exact location but is typically around $25. The amount you are charged in fines could vary anywhere between $25 and $300.

The penalty you get for speeding in Kansas depends largely on your record. If you never had any prior conviction in your history, your fine may be lower than that of a repeat offender. Third and subsequent offences may have your license revoked and require you to appear in court.

How much does a speeding ticket increase your car insurance in Kansas?

Depending on the type of moving violation you are convicted of, your average cost of insurance may increase. This also depends on your insurance company and your gender. Statistically, male drivers exhibit more recklessness on the road compared to female drivers, meaning male drivers may see a greater increase in their premiums after a speeding ticket in Kansas. Though minor, Kansas drivers do see a slight rate discrepancy by gender for those with a speeding ticket, based on quoted annual premiums from Quadrant Information Services.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
40-year-old male $1,844 $2,185 18%
40-year-old female $1,800 $2,131 18%

If the rate of premiums does increase after a speeding ticket, the exact amount of increase will vary by your insurer, gender and your past driving record. In addition, some insurance companies may forgive the first violation while others may not be so lenient.

How to lower your car insurance after a speeding ticket in Kansas

Even if you are impacted by a speeding ticket, your rates can improve over time, or you may be able to find lower rates. Depending on the specific situation, the following methods may be used to get cheap insurance after a speeding ticket in Kansas.

Get quotes from other car insurance companies

Some companies specialize in high-risk insurance for those who are unable to qualify for or afford coverage from standard insurance providers. If your current provider’s rates post-speeding ticket is too steep for you after a speeding ticket, shopping around for a better price may result in options for you. This is demonstrated by rate variances among companies, even for the same level of coverage and a speeding ticket factored in.

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
Allstate $2,302 $2,681 16%
American Family $1,766 $1,964 11%
Auto-Owners $1,395 $1,574 13%
Electric Insurance Company $2,909 $3,778 30%
Farmers $1,931 $2,416 25%
Iowa Farm Bureau $1,314 $1,505 15%
MetLife $2,270 $2,775 22%
Progressive $1,545 $1,979 28%
QBE $1,415 $1,755 24%
Safe Auto $2,260 $2,924 29%
Sentry $2,836 $3,271 15%
Shelter $2,213 $2,648 20%
State Farm $1,453 $1,688 16%
USAA $1,176 $1,410 20%

*Premiums are average annual full coverage premiums for 40-year-olds

Aside from the cost associated with car insurance companies, it’s important to consider factors such as financial stability, claims satisfaction rate, coverage options and third party ratings when switching providers. While finding better rates may be a priority for high risk drivers, affordability is only one aspect of a good company to take into account.

Raise your deductible

The amount of financial responsibility you are comfortable assuming before your insurance payout is factored in for a claim is called a deductible. The higher this amount, the lower your premiums will be, as it means your insurer has less financial responsibility at stake. Although this is one way to get cheaper insurance, it’s important to make sure that you have enough money to pay the deductible if you need to make a claim.

Cut down on endorsements

If your car insurance premiums are too steep, discuss with an agent which coverages and endorsements are necessary for your financial situation. Bear in mind that although reducing coverage or endorsements may cut down on your insurance costs, it will also leave you vulnerable to some financial risks.

Other speeding ticket considerations

A higher insurance cost is only one possible financial consequence of a speeding ticket. If it is your first offence, your monetary fines may be low, but if you already have other incidents in your history, you may be subject to a court appearance or be required to perform community service, in addition to paying a fine. Repeat offenders are also at risk of having their license revoked. A fee needs to be paid to have it reinstated.

Aside from these penalties, a speeding violation will also cause you to lose any good driver discounts you had on your insurance. After three years, or however long a ticket remains on your record, you may be able to take a driving course and gradually lower your insurance cost with discounts again.

Frequently asked questions

What is the best car insurance company for drivers with speeding tickets?

The best car insurance companies are typically the ones that combine excellent customer service, affordable rates and discounts, a variety of coverage options and favorable third-party ratings. If you do not find coverage from regular insurance companies, you could also try comparing quotes from insurers that specialize in high risk insurance. Even though rates may be higher with fewer endorsements, these companies are sometimes the only option for high-risk drivers.

How can I get cheap insurance after a speeding ticket?

Switching to a cheaper insurance company, cutting down coverage options, raising your deductible, and bundling policies are some of the ways you may be able to save on insurance after a speeding ticket. After a certain number of years, when the speeding violation no longer has an impact on your driving record, you will likely be able to enjoy discounts and lower rates again.

How long will a speeding ticket remain on my record?

In most states, including Kansas, a moving violation remains on your record for three years. After this time, even if it is not permanently removed from your history, it may cease to affect your insurance costs.

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 18-year-old and 40-year-old male and female drivers 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.

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
Cynthia Widmayer
Insurance Contributor
Cynthia Widmayer has over two years of experience as a personal finance writer. She covers home, car and life insurance products for Bankrate, the Simple Dollar, and Coverage.com, among others.
Edited by
Insurance Editor