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Kansas Car Insurance for Bad Credit Drivers

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Doug Shaffer

By: Doug Shaffer

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Companies for Drivers With Bad Credit in Kansas (2022)

For drivers with bad credit in Kansas, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Kansas. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Kansas.

Bad Credit Car Insurance in Kansas

Out of all the states, Kansas tends to be one of the more lenient when it comes to how bad credit affects auto insurance rates. In fact, most drivers only see an average increase of six percent when it comes to purchasing a policy with bad credit.

Some of this can be attributed to the city in which a driver lives. There are several communities throughout the state where the impact of bad credit is hardly noticeable. Another reason for the smaller increase is the number of insurance carriers that offer competitive rates for drivers with a less-than-stellar credit history.

Kansas Car Insurance Rates for Bad Credit Drivers

Excellent
$170
Good
$190
Average
$191
Poor
$207

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Kansas?

Even though bad credit can have an impact on auto insurance rates, drivers in Kansas will be happy to hear that providers in the state tend to be more lenient in pricing. The difference in cost for a driver with good credit and a driver with bad credit tends to be about $12 a month.

This six percent increase in monthly premiums is much lower than in other states, where increases are as high as 20 and 30 percent. Overall, Kansas offers affordable auto insurance coverage, even to people with bad credit.

Avg. Monthly Cost - for Drivers with Good Credit
$189
Avg. Monthly Cost - for Drivers with Bad Credit
$201
$12 ▴
6.35% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

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Can I Get Car Insurance With No Credit Check in Kansas?

If you are looking to get auto insurance in Kansas without a credit check you might be hard-pressed to find a provider that will offer a competitive rate. Most companies that insure drivers without looking at credit increase monthly premium rates to offset the additional risk they are taking on.

The good news is that having bad credit doesn't prevent you from receiving affordable coverage in Kansas. There are several companies that are more lenient on credit history and offer cheaper average monthly rates. The key to finding these quotes is to shop around with multiple companies to find the best price.

Kansas Car Insurance Rates by Credit Tier

Having excellent credit in Kansas means that you will typically pay the least for coverage. Monthly costs tend to be around $170, while drivers who fall into the poor credit tier pay an average of $207 a month.

Credit TierAvg. Monthly Cost
Excellent$170
Good$190
Average$191
Poor$207

Car Insurance Rates With Bad Credit in Kansas Cities

When looking at the impact of bad credit on auto insurance rates in Kansas, your location can play a big factor in how much you pay. For instance, there is a nearly $100 difference in rates between drivers in Topeka and in Overland Park.

CityCredit TierAvg. Monthly Cost
WichitaPoor$215
Kansas CityPoor$227
TopekaPoor$145
Overland ParkPoor$240

Tips for Researching Bad Credit Kansas Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Kansas draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Kansas Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Kansas. Insurify analyzed the latest data for the five most populous cities in Kansas to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Kansas and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Doug Shaffer
Doug Shaffer

Content Writer at Insurify

Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.

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