How a speeding ticket impacts your insurance in Kansas
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It is not uncommon for a motorist to have one or more speeding tickets on their driving record. However, speeding tickets can have a negative effect on your insurance premiums, since having any moving violation on your record could cause you to be considered a high-risk driver. After a speeding ticket in Kansas, you may face fines and penalties, as well as a spike in the cost of your car insurance. 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.
- Kansas speeding tickets will stay on driving records for three years, which can lead to an increase in insurance premiums.
- The average insurance premium increase following a Kansas speeding ticket is $354 annually.
- On average, American Family and State Farm may provide the cheapest car insurance for drivers with speeding tickets.
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 in the state, if you have more than three moving violations within a 12-month period, 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 don’t have any prior traffic-related convictions in your history, your fine may be lower than that of a repeat offender. Third and subsequent offenses may cause your license to be 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 cost of insurance may increase an average of $354 annually. 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.
| Average annual full coverage premium before speeding a ticket conviction | Average annual full coverage premium after a speeding ticket conviction | Premium increase | |
|---|---|---|---|
| Male | $1,899 | $2,257 | $358 |
| Female | $1,857 | $2,207 | $350 |
| State average | $1,878 | $2,232 | $354 |
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.
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Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit, a single speeding ticket 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
How to lower your car insurance after a speeding ticket in Kansas
Even if you have a speeding ticket on your driving record, your rates can improve over time or you may be able to find lower rates with another company. 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
If your current provider’s rates are too steep for you after a speeding ticket, shopping around for a better price may result in more affordable options for you. This is demonstrated by rate variances among companies for the same level of coverage and a single speeding ticket factored in. According to our research, the cheapest coverage for those with speeding tickets on average are American Family and State Farm.
| Car insurance company | Average annual full coverage premium before a speeding ticket conviction | Average annual full coverage premium after a speeding ticket conviction | Premium increase |
|---|---|---|---|
| Allstate | $2,629 | $3,082 | $453 |
| American Family | $1,871 | $1,929 | $58 |
| Auto-Owners | $1,631 | $2,385 | $754 |
| Dairyland | $2,547 | $3,040 | $493 |
| Electric Insurance | $2,251 | $2,454 | $203 |
| Encompass | $1,516 | $1,740 | $224 |
| Farmers | $1,433 | $1,821 | $388 |
| Farmers Union Insurance | $1,666 | $2,027 | $361 |
| Iowa Farm Bureau | $1,532 | $1,742 | $210 |
| Safe Auto | $2,863 | $3,865 | $1,002 |
| Shelter | $2,447 | $2,976 | $529 |
| State Farm | $1,293 | $1,480 | $187 |
| USAA | $1,320 | $1,621 | $301 |
*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 optional coverage
If your car insurance premiums are too steep, discuss with an agent which coverage types are necessary for your financial situation. Bear in mind that although reducing coverage or add-ons 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 offense, 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 could also cause you to lose any good driver discounts you had on your insurance. After three years, or as long as you have a speeding ticket on your record, you may be able to take an approved driving course for additional savings.
Frequently asked questions
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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 drivers with several or severe driving incidents on their record.
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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. You could also save by requesting quotes from several insurance providers at policy renewal time since factors that affect your premium may have changed. After the speeding violation falls off your driving record, you should be able to enjoy more discounts and lower rates again, following that you have an otherwise clean driving record.
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According to data from Quadrant Information Services, drivers in Kansas pay $354 more per year on average for full coverage after a speeding ticket. Keep in mind that rates vary based on gender, with men paying slightly more on average than women. Regardless of gender, drivers pay more for insurance after a speeding ticket conviction until the moving violation falls off their driving record.
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A speeding ticket is a moving violation, so it stays on your record for three years in Kansas. After this time, you might find that you qualify for cheaper insurance rates. Typically, you’ll see lower rates at the time of policy renewal after the violation falls off your record. This could make it a good time to compare rates from several insurance providers.
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