For most drivers in Kansas, State Farm offers the cheapest car insurance with a DUI, with rates of $50 per month for minimum coverage. However, Travelers Progressive and Dairyland also have very affordable rates for those with a DUI conviction.
DUI Car Insurance in Kansas
Updated: July 13, 2025
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Key Takeaways
In total, the cheapest car insurance with a DUI in Kansas is offered by State Farm with rates averaging $50 per month.
Depending on your driver profile and coverage level chosen, monthly Kansas car insurance costs with a DUI can cost around $92.
After a DUI in Kansas, you must file an SR‑22 and maintain minimum liability coverage of $25,000/$50,000/$25,000, plus mandatory $4,500 personal injury protection (PIP) and underinsured/uninsured motorist coverage of $25,000/$50,000.
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:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level: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:Results filtered by:
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Age Range:30-59
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Credit Score:Good
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Coverage Level: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 remains on your driving record for 10 years, and insurers typically include it in rate calculations for that whole period. Many companies will elevate your premiums for at least three years, but some apply the full 10-year look-back when assessing risk. You must maintain an SR-22 filing for a minimum of one to three years, or longer if mandated by the court, and any lapse could restart the requirement.
Additional Costs to Consider When Having a DUI in Kansas
While it’s well known that car insurance rates will increase sharply after a DUI, costs go far beyond your premium. Kansas law requires numerous additional costs that can quickly total thousands, so you’ll want to budget accordingly.
- 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.
Fines
A first DUI is a misdemeanor punishable by fines between $750 and $1,000, often alongside mandatory court and assessment costs that bring the total to about $1,250–$2,000. A second DUI elevates to a Class A misdemeanor, with fines ranging from $1,250 to $1,750 plus related fees. A third DUI within ten years can result in felony charges and fines up to $2,500 or more, especially when aggravating factors are present. In cases involving a minor in the vehicle or severe impairment, courts may impose additional penalties or mandatory minimum sentences.
Imprisonment and Release
First-time offenders must serve a minimum of 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, with probation not granted until that term is served. Third and subsequent offenses can result in felony-level jail sentences from 30 days up to one year, often combined with additional probation terms and substance abuse treatment requirements.
Impounding of vehicles
Law enforcement may impound your vehicle following a DUI arrest. While specific impound durations aren't state-mandated, towing and storage can cost hundreds of dollars, with the Kansas Department of Revenue often requiring officials to impound vehicles for serious or repeat offenders.
Suspension periods
Kansas enforces an implied-consent law where refusing a chemical test triggers a one-year license suspension, followed by a multi-year ignition interlock device (IID) requirement. A failed test results in a 30-day suspension and six months of IID use for a first offense. Subsequent DUI or refusal incidents result in a one-year suspension followed by ignition interlock device restrictions lasting from one to ten years, depending on the number of occurrences.
DUI education requirements
All DUI convictions necessitate participating in Kansas's Alcohol and Drug Safety Action Program (ADSAP). First-time offenders typically attend a 12 to 24-hour education session, while repeat offenders face intensive screening and treatment. Courts may order inpatient or outpatient substance abuse programs, and paroles 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.
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Understand 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.
- 2
Research costs and discounts
Check what car insurance typically costs for drivers in your area and risk profile. While DUI-specific discounts aren't available, you can save costs by bundling policies, paying in full or enrolling in online programs. Kansas also offers defensive driving courses that can reduce premiums by up to 10%.
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Compare multiple providers
Rates vary widely between providers after a DUI, so gather multiple quotes for the same coverage level to make accurate comparisons. Even small differences in policy terms can lead to big savings over time.
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Use state high-risk car insurance programs if denied
If you're turned down by standard insurers, Kansas operates the Kansas Automobile Insurance Plan (KAIP) through AIPSO. This program ensures high-risk drivers can still access basic coverage when no one else will insure them.
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Make lifestyle or vehicle changes
Boosting your credit score can significantly reduce your premiums in Kansas, where poor credit combined with a DUI can add $1,282 or more annually. You can lower costs by switching to a low-cost-to-insure vehicle.
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Consider non-traditional coverage types
If you don’t drive much, a pay-per-mile insurance plan might be a better fit. You could also save with usage-based insurance programs that reward safe driving behavior with significant discounts.
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.
Who has the cheapest car insurance for Kansas drivers with a DUI?
For those with good credit and a DUI, State Farm offers the cheapest rates in Kansas for minimum coverage and Travelers for full coverage.
How much does a DUI increase rates in Kansas?
Overall a DUI can increase your rates up to 70% for minimum coverage and 67% for full coverage compared to those without a DUI.
How much does DUI car insurance in Kansas cost?
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 Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AIPSO. "Kansas Automobile Insurance Plan (KAIP)." Accessed June 24, 2025.