Best Cheap Car Insurance Companies for High-Risk Drivers in Kansas


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Updated: May 20, 2024

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Insurance companies typically charge high-risk drivers a more expensive premium since they are seen as more likely to file a claim. Nonetheless, risky motorists can save money on their car insurance by shopping around and comparing offers from various auto insurers.

American Family is both the best and the cheapest high-risk car insurance provider in Kansas. Its policy costs approximately $866 per year for high-risk drivers. However, keep in mind that the cost of your car insurance may vary based on your age, location and driving record.

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Best Companies for High-Risk Drivers in 2023

If your profile indicates that you’re more likely to file a claim or have severe violations, insurance companies may regard you as risky to insure. Examples include multiple at-fault accidents, a DUI conviction, speeding tickets or a drag racing charge. But, insurance providers also consider young motorists and drivers with poor credit as high risk.

Insurers charge high-risk drivers more to offset the risk of insuring them. For a high-risk driver in Kansas, car insurance is around 26% more expensive than for someone with a clean record.

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WHAT EXACTLY IS A HIGH-RISK DRIVER?

Insurance companies consider drivers risky to insure if they have driving violations on their records. However, drivers with clean driving records may still be classified as high risk if their profile indicates that they are more likely to file a claim.

Your insurance premium will be more expensive if any of the following high-risk driver profiles apply to you:

  • Drivers with a history of traffic violations or at-fault accidents
  • Drivers with a DUI conviction
  • Drivers caught driving with a suspended or revoked license
  • Young drivers with a lack of driving experience
  • Drivers who drive sports cars or participate in drag racing
  • Drivers with bad credit or lapses in insurance coverage

Cheapest Car Insurance in Kansas for High-Risk Drivers

MoneyGeek’s research shows American Family has the most affordable car insurance for bad drivers in Kansas. On average, a policy costs $866 per year for high-risk motorists, which is around 15% higher compared to the company’s average premium for regular drivers.

Our team reviewed American Family and analyzed its pros and cons to help you decide if it’s the right fit for you.

American FamilyAnnual Premium$866
State FarmAnnual Premium$913
NationwideAnnual Premium$1,170
FarmersAnnual Premium$1,191
AllstateAnnual Premium$1,262
ProgressiveAnnual Premium$1,364
TravelersAnnual Premium$1,659
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SR-22 INSURANCE

In Kansas, you will need to get SR-22 insurance if you’ve been convicted of a DUI, reckless driving or other serious driving offenses. SR-22 is a form that your insurance provider files on your behalf, which proves that your auto insurance policy meets the state’s minimum requirements.

SR-22 insurance is typically more expensive compared to regular car insurance despite having the same coverage. Note that you won’t need to get SR-22 insurance for minor traffic violations.

Best Car Insurance in Kansas for High-Risk Drivers

MoneyGeek’s analysis shows that American Family is the best car insurance provider for high-risk drivers in Kansas, receiving a MoneyGeek score of 91 out of 100. Meanwhile, State Farm is our runner-up pick in the state, scoring 88 out of 100. Remember, the best insurer for you may vary based on your age, preferences and other factors.


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American Family InsuranceBest for High-Risk Drivers
Score:NaN
There are no ratings for this company
Geek Quick Take
Geek Quick Take

In Kansas, American Family offers car insurance for high-risk drivers at approximately $866 per year. That’s the cheapest rate in the state, despite being around 15% more expensive than what the company charges for drivers with clean records.

More About American Family Insurance

American Family is the best car insurance provider for high-risk drivers in Kansas. Aside from having the cheapest average premium for high-risk motorists, it offers a wide range of discounts that may further reduce costs, including new customer, automatic payment and legacy.

However, despite having original equipment manufacturer (OEM) and gap insurance add-on coverages, the company lacks common add-ons like new car replacement and deductible modification.

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State Farm
Score:96

5/5

Affordability Rating

5/5

Satisfaction Rating

4.5/5

Claims Rating

5/5

Financial Stability Rating

Geek Quick Take
Geek Quick Take

High-risk drivers in Kansas can get car insurance from State Farm for around $913 per year. That’s 10% more than what regular drivers pay, but it’s the second most affordable premium in the state.

More About State Farm

State Farm is our runner-up pick for the best auto insurer for high-risk drivers in Kansas. The company offers numerous discounts, potentially reducing rates for students and drivers with an anti-theft device and airbags.

State Farm also has rideshare insurance as an add-on, which is helpful for drivers working for Uber or Lyft. But it lacks common add-on coverages like accident forgiveness, new car replacement and gap insurance.

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MONEYGEEK EXPERT TIP

High-quality car insurance may come with a higher cost. But that doesn’t mean you should sacrifice quality if you’re on a budget. Although Kansas lacks a government auto insurance program for low-income motorists, state minimum coverage and pay-per-mile insurance are some of your options if you’re looking for affordable, low-income car insurance in the Sunflower State.

Cheapest Car Insurance in Kansas for Drivers With a DUI

American Family offers the cheapest auto insurance for DUI-convicted drivers in Kansas at around $735 per year. To help you decide if it’s the right company for you, we broke down American Family’s features, coverages and discounts.

Meanwhile, USAA is often also an affordable car insurance option in Kansas for veterans, military members and their families who have DUI convictions.

American FamilyAnnual Premium$735
State FarmAnnual Premium$889
ProgressiveAnnual Premium$1,144
FarmersAnnual Premium$1,206
AllstateAnnual Premium$1,351
NationwideAnnual Premium$1,487
TravelersAnnual Premium$2,003
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LOOK-BACK PERIODS

If you’re convicted of a DUI, the violation will remain on your driving record throughout the look-back period. The look-back period in Kansas is 10 years, but it varies in other states. Look-back periods have an effect on criminal sentencing and penalties and are generally lengthy to recognize repeat offenders.

Cheapest Car Insurance in Kansas for Teenage Drivers

MoneyGeek’s analysis found that State Farm is the most affordable car insurance company for teenage drivers in Kansas. On average, a State Farm policy costs $3,309 per year for teen motorists.

Your actual rate may vary based on your age, location and other variables. MoneyGeek reviewed State Farm’s pros and cons to help you determine if it’s the right insurance provider for you.

State FarmAnnual Premium$3,309
NationwideAnnual Premium$3,690
AllstateAnnual Premium$3,888
ProgressiveAnnual Premium$6,575
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MONEYGEEK EXPERT TIP

Although car insurance can be costly for teenagers and students, MoneyGeek recommends full coverage over the state minimum for younger drivers. Inexperienced motorists are more likely to file a claim, and increasing coverage offers peace of mind and protection in case something happens. Shopping around and comparing offers from various auto insurers is the best way to find the lowest rates for teenagers and student drivers.

Cheapest Car Insurance in Kansas for Drivers With Bad Credit

Drivers with bad credit are considered risky to insure and pay more for auto insurance since they may be more likely to file a claim or not make their payments on time.

Per MoneyGeek’s research, Nationwide provides the cheapest car insurance in Kansas for drivers with low credit scores. On average, its policy costs $1,153 per year. MoneyGeek analyzed Nationwide’s affordability, customer service quality and offerings to help you determine if it’s the right fit for your needs.

NationwideAnnual Premium1,153Percent Change35%
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MONEYGEEK EXPERT TIP

Having bad credit makes insurance companies consider you a risky driver and charge more for car insurance. However, you can still get affordable auto insurance despite a poor FICO Score. MoneyGeek recommends that you shop around and take advantage of discounts to access the lowest rates and save money on your premium.

How Much Does Car Insurance Cost for High-Risk Drivers in Kansas?

Your driving record is one of the factors that insurance companies use to determine your car insurance rate. If you have a severe driving violation like a DUI, bad credit or little experience on the road, insurance providers will consider you riskier to insure and charge you a higher rate.

In Kansas, high-risk drivers pay around $1,204 per year for car insurance. That’s approximately $329 or 26% more expensive compared to drivers with clean records — they pay roughly $875 annually.

Annual Car Insurance Cost in KS for Low-Risk vs. High-Risk Drivers

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Annual Premium

Low-Risk Driver

$875
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Annual Premium

High-Risk Driver

$1,204
In Kansas, high-risk drivers pay:$329 more

This is 38% more expensive.

If you want to get a ballpark figure of your premium price, use MoneyGeek’s Kansas car insurance calculator to estimate quickly how much you’ll pay for car insurance. You’ll need to input details such as your age, driving record, vehicle type and preferred coverage. Our calculator lets you know which factor impacts your car insurance rate the most.

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Rates updated:

Jul 15, 2024

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Can You Still Get Car Insurance in Kansas if Insurers Refuse to Insure You?

Car insurance is a voluntary market, so providers have the discretion to accept or reject your application. If an insurance company has considered you too risky to insure, know that it’s still possible to get insurance coverage.

The Automobile Insurance Plan Service Office (AIPSO) is a national, not-for-profit corporation that offers car insurance to the auto insurance industry residual market. It has been helping high-risk individuals find insurance for over 48 years.

Kansas Automobile Insurance Plan

If you’re a high-risk driver and have been rejected by insurance companies, you can use AIPSO’s database to find a residual market plan based on your location.

In Kansas, the Kansas Automobile Insurance Plan (KAIP) offers residual market plans for drivers who are unable to get coverage through the voluntary insurance market. Since KAIP accepts applications from licensed insurance agents only, it’s best to contact an agent if you’re looking to secure a KAIP plan.

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    Office Hours

    N/A

    subscribe icon

    Email

    caip@kaipins.org

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    Phone

    785-273-6300

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    Fax

    785-273-9065

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    Mailing Address

    2704 NW Topeka Blvd., Suite B, Topeka, KS 66617

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Frequently Asked Questions

It can be both difficult and expensive to get car insurance if you’re a high-risk driver. To help you get the best offers available for your profile, MoneyGeek answered some commonly asked questions about high-risk car insurance in Kansas.

Which car insurance company is best for high-risk drivers in Kansas?
How much does car insurance in Kansas cost for high-risk drivers?
Who do insurers classify as a high-risk driver?
Where do I get car insurance coverage in Kansas if insurers reject my application?

Methodology

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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