Best Car Insurance for Drivers With
Bad Credit in Kansas

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

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.

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

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.

Best Car Insurance Companies for Bad Credit in Kansas

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.

CarrierAvg. Monthly Cost
Dairyland Insurance$121
Midvale Home & Auto$136
SafeAuto$143
Travelers$148
American Family Insurance$163
Safeco Insurance$189
The General$219
Liberty Mutual$249

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.