For most drivers in Kansas, State Farm offers the cheapest car insurance with a DUI, at $50 a month for minimum coverage. Travelers, Progressive and Dairyland also offer affordable rates for drivers with a DUI conviction.
DUI Car Insurance in Kansas
Updated: July 28, 2026
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Key Takeaways
State Farm has the cheapest car insurance in Kansas after a DUI at $50 a month for minimum coverage. The state average with a DUI runs around $92 a month depending on your profile and coverage level.
A DUI in Kansas triggers an SR-22 requirement plus mandatory minimums that include PIP and uninsured/underinsured motorist coverage.
Rates vary substantially across providers for the same high-risk profile. Comparing multiple insurers is the most reliable way to find affordable coverage after a DUI.
Cheapest DUI Car Insurance in Kansas
| State Farm | $50 | $144 |
| Travelers | $56 | $131 |
| Progressive | $67 | $152 |
| Dairyland | $78 | $219 |
| Farmers | $90 | $200 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Compare Cheap Car Insurance With a DUI in Kansas
While the information above covers most drivers, it doesn't represent everyone with a DUI in Kansas. For example, Travelers is the most affordable if you have both a DUI and bad credit in the state. So below, we've broken down the cheapest companies for those with DUIs by coverage level, age and credit score so you can find the best rates for your profile.
Data filtered by:
30-59
Good
State Minimum Liability Only
| State Farm | $50 | $599 |
| Travelers | $56 | $668 |
| Progressive | $67 | $801 |
| Dairyland | $78 | $933 |
| Farmers | $90 | $1,079 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Kansas law for most drivers.
How Much Does DUI Car Insurance Cost in Kansas?
For most drivers, car insurance with a DUI in Kansas costs on average $1,105 per year for minimum coverage. Annual rates can change significantly depending on your unique driver profile and coverage level chosen. Compared to clean drivers without a DUI, those with a driving violation can increase rates by 70%.
Data filtered by:
30-59
Good
State Minimum Liability Only
| $92 | $1,105 | $38 | $454 | 70% |
*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy Kansas law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN KANSAS?
A DUI conviction in Kansas stays on your driving record for 10 years. Insurers use that history to set rates. Most limit the rate impact to three years. A smaller group uses the full 10-year look-back to assess risk. Kansas requires an SR-22 filing for one to three years after a DUI, or longer if the court orders it. A lapse in that SR-22 filing restarts the requirement from the start.
Additional Costs to Consider When Having a DUI in Kansas
Car insurance rates increase after a DUI in Kansas, but the premium hike is only part of the cost. State law adds requirements like SR-22 filing and reinstatement fees, and these can push total costs into the thousands.
- Fines and fees. A first-time DUI is a Class B misdemeanor carrying fines of $750–$1,000, plus court and assessment fees that can push your total to around $1,250 to $2,000. A second DUI elevates to a Class A misdemeanor, with fines between $1,250 and $1,750, and a third offense can cost up to $2,500—excluding additional penalties for high BAC or accidents.
- Vehicle impound and towing. After a DUI arrest, police may impound your vehicle. Tow charges typically range from $250 to $450, and impound lot fees often add $10 to $25 per day.
- Education, treatment and ignition interlock. Kansas requires all DUI offenders to complete the Alcohol and Drug Safety Action Program (ADSAP). First-time offenders may pay $200 to $500 for screening and classes, while repeat offenders or those with high BAC levels may require more intensive treatment. Additionally, you’ll need to install an ignition interlock device (IID) for six months to 2 years, depending on offense severity, costing $200 to $800 in device and administrative fees.
- Reinstatement fee and SR‑22. Once eligible to reinstate your license, you’ll pay a reinstatement fee of $200 to $600 based on the number of offenses. You’ll also be required to maintain SR‑22 insurance for three years or longer if ordered by the court.
- Attorney fees and accident costs. Legal defense often totals $1,500 to $5,000 for a first DUI. If there’s a crash involved, you’re responsible for vehicle repairs, medical expenses, restitution, and possibly probation service fees, potentially resulting in an extra $10,000 or more depending on severity.
Kansas DUI Car Insurance Requirements
Following a DUI in Kansas, drivers must file an SR‑22 certificate to confirm they carry the state's minimum required liability insurance. Kansas requires drivers to maintain at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage liability coverage, along with $4,500 of personal injury protection (PIP) and uninsured motorist coverage of 25/50.
The SR‑22 must be continuously maintained for twelve consecutive months, and any lapse will restart the filing period. Even after SR‑22 requirements end, insurers may still consider the DUI on your record.
Other Kansas DUI Laws to Know
In Kansas, drivers face multiple penalties and legal obligations beyond filing an SR‑22 and increasing their insurance coverage.
FinesA first DUI is a misdemeanor. Fines run $750 to $1,000, plus mandatory court and assessment costs that bring the total to about $1,250 to $2,000. A second DUI is a Class A misdemeanor, with fines from $1,250 to $1,750 plus related fees. A third DUI within 10 years can result in felony charges and fines up to $2,500 or more when aggravating factors are present. Courts may impose additional penalties or mandatory minimum sentences when a minor was in the vehicle or impairment was severe.
Imprisonment and ReleaseFirst-time offenders serve at least 48 consecutive hours in jail, up to six months, or complete an approved community service program. A second DUI requires at least 90 days in custody. Probation isn't granted until that term is served. Third and subsequent offenses can result in felony-level jail sentences from 30 days to one year. Courts often add probation and substance abuse treatment requirements.
- Impounding of vehicles
Law enforcement may impound your vehicle after a DUI arrest. Kansas doesn't set a state-mandated impound duration, but towing and storage fees can still cost hundreds of dollars. The Kansas Department of Revenue can require impoundment for serious or repeat offenders.
Suspension periodsKansas's implied-consent law suspends your license for one year if you refuse a chemical test, then requires a multi-year ignition interlock device (IID) afterward. A failed test results in a 30-day suspension and six months of IID use for a first offense. Repeat DUI or refusal incidents carry a one-year suspension. IID restrictions then last one to 10 years, based on the number of prior occurrences.
DUI education requirementsAll DUI convictions require completing Kansas's Alcohol and Drug Safety Action Program (ADSAP). First-time offenders attend a 12 to 24-hour education session. Repeat offenders face intensive screening and treatment. Courts may order inpatient or outpatient substance abuse programs. Parole terms may include mandatory 12-month supervision periods.
How to Get the Best Cheap Kansas Car Insurance With a DUI
Getting affordable car insurance after a DUI in Kansas is possible, but it takes a strategic approach. Below are steps you can take to lower your rates and secure coverage.
- 1Understand your needs
A DUI conviction in Kansas often means you’ll need higher liability coverage, but you may want additional protections like comprehensive or uninsured motorist coverage. When deciding on your policy, factor in your budget, commute, and local risks. We also provide an auto insurance coverage needs calculator to help you begin.
- 2Research costs and discounts
Car insurance rates vary by driver and location, even after a DUI. Kansas doesn't offer DUI-specific discounts, but you can still cut costs by bundling policies, paying in full or enrolling in online safety programs. Defensive driving courses can reduce premiums by up to 10%.
- 3Compare multiple providers
Rates vary widely between providers after a DUI. Get quotes from at least three insurers for the same coverage level to compare accurately. Small differences in policy terms, like deductible amounts or coverage limits, can add up to big savings over time.
- 4Use state high-risk car insurance programs if denied
If standard insurers turn you down, Kansas offers the Kansas Automobile Insurance Plan (KAIP) through AIPSO. KAIP guarantees basic coverage for high-risk drivers who can't get insured elsewhere.
- 5Make lifestyle or vehicle changes
Boosting your credit score can cut your premiums in Kansas. Poor credit combined with a DUI can add $1,282 or more annually to your rate. Switching to a low-cost-to-insure vehicle can lower costs further.
- 6Consider non-traditional coverage types
If you don't drive much, a pay-per-mile insurance plan can lower your costs. Usage-based insurance programs are another option, offering discounts for safe driving habits.
Cheap DUI Insurance in Kansas: Bottom Line
Overall, we found the cheapest overall car insurance providers for Kansas drivers with a DUI are State Farm, Travelers and Progressive. While this is what our research found, we still recommend that you compare rates for yourself, research costs, and decide what coverage you need.
DUI Insurance in Kansas: FAQ
Below, we've provided MoneyGeek's expert answers to frequently asked questions about Kansas DUI insurance.
For those with good credit and a DUI, State Farm offers the cheapest rates in Kansas for minimum coverage and Travelers for full coverage.
Overall a DUI can increase your rates up to 70% for minimum coverage and 67% for full coverage compared to those without a DUI.
For minimum coverage, the average rate is $92 monthly and for full coverage it is $230 per month.
How We Chose the Cheapest Car Insurance for Kansas' DUI Drivers
To determine the top companies for drivers with DUIs in Kansas, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the insurance market at LendingTree and MoneyGeek, analyzing hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
Sources
- AIPSO. "Kansas Automobile Insurance Plan (KAIP)." Accessed June 24, 2025.