How to Find Cheap DUI Car Insurance in Kansas
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- Car Insurance in Kansas
- DUI Car Insurance in Kansas
DUI Car Insurance in Kansas
When it comes to DUIs in this state, Kansas doesn't play games. Penalties for even a first offense here can be harsh. However, some drivers fail to consider that their driving mistakes may have cost them more than a few nights in jail.
Once the insurance company recognizes the DUI on your record, you'll pay an average of $194 more in monthly premiums. Additionally, your rates will remain high for three to five years—increasing your current car insurance costs by more than $11,000 over time.
How can you take control of your car insurance rates after a DUI? To begin, keeping a clean record will enable the car insurance company to recalculate your rates eventually. Furthermore, don't shy away from shopping around. Insurance comparison sites like Insurify make it easier than ever to view multiple rates at once while including carriers that you may never have considered.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
What’s in the Kansas DUI Car Insurance Guide?
How Much Does a DUI Impact Car Insurance Rates in Kansas?
After a DUI in Kansas, drivers will see their rates skyrocket by 104 percent on average.
Why do rates change? Insurance companies rate a DUI driving offense riskier than almost every driving mistake out there. To recoup the costs of future claims, insurance companies pass rate hikes on to these motorists.
How much will your bill be? Though your increase may differ, rates for drivers like you go up by $194 on average. Compared to a driver with a perfect record paying $186, your price for insurance post-DUI could land near $380.
| No Violation - Avg. Monthly Rate | After DUI - Avg. Monthly Rate | Average Percent Increase After DUI |
|---|---|---|
| $186 | $380 | 104.30% |
What Are the Best Car Insurance Companies After a DUI in Kansas?
Finding the best car insurance rates in Kansas will rely heavily on you shopping around. Make sure to include as many reputable insurance carriers as possible to not miss out on a single good option. By our calculations, the best car insurance companies after a DUI in Kansas include Travelers, Dairyland Insurance, and American Family Insurance.
| Carrier | Avg. Monthly Cost |
|---|---|
| Travelers | $112 |
| Dairyland Insurance | $156 |
| American Family Insurance | $172 |
| Liberty Mutual | $204 |
| SafeAuto | $207 |
| The General | $217 |
What Are the Average Car Insurance Prices After a DUI in Kansas?
You may be wondering how much your car insurance prices will change after a DUI. While the only way to get an exact number is to compare prices yourself, averages can give you a good idea.
In Kansas, premiums for drivers after a DUI average out to $380. To give you a little more insight, Kansas ranks 23rd when it comes to the most expensive states for car insurance after a DUI.
| California After DUI Avg. Monthly Rate | Most Expensive State for DUI (1-50) |
|---|---|
| $380 | 23rd |
How Long Is the Lookback Period for a DUI in Kansas?
How long will you have to look over your shoulder in Kansas after a DUI? In the eyes of the court, the answer is 10 years. When considering drunk driving offenses, the state "looks back" over a driving record for that long and counts the existing DUIs against you. Sometimes, penalties are determined by the length of time between offenses within these 10 years.
Remember that your DMV record and your criminal record are separate.
Kansas DUI Penalties
Consequences for DUI driving in Kansas are stiff. Though the state spells out the penalties for each offense clearly, they hand down enhanced penalties under certain conditions. For example, if you have a child under 14 in the car, jail time is increased by one month. This counts for first-time offenders as well.
First-time offenders face up to 48 hours in prison, 100 hours of community service, up to $1,000 in fines, license suspension for up to 30 days (and further restrictions thereafter), attendance in an alcohol and drug education/treatment program, and vehicle impoundment.
