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.
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.
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.
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.
When you have bad credit, finding affordable coverage will take a little more work on your part. Often, shopping around for quotes is the best strategy to finding providers that are more lenient with their pricing. Carriers such as Dairyland Insurance, Midvale Home & Auto, and Travelers are all known for offering competitive average monthly premiums in Kansas.
|Carrier||Avg. Monthly Cost|
|Midvale Home & Auto||$136|
|American Family Insurance||$163|
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 Tier||Avg. Monthly Cost|
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.
|City||Credit Tier||Avg. Monthly Cost|
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.