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Kansas Car Insurance for High Risk Drivers (With Quotes)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Courtney Levin
Written by
Courtney Levin
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Written by
Courtney Levin
Insurance Writer
A licensed insurance professional, Courtney Levin has been a personal finance writer since 2016. She graduated from Sonoma State University with a degree in communications and has been creating content for Insurify for more than two years. She specializes in auto insurance and personal finance and strives to help customers understand the ins and outs of their insurance policies.
John Leach
Edited by
John Leach
Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated March 9, 2022

Cheapest Insurance Companies for High Risk Drivers in Kansas (2022)

For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

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 high-risk drivers in Kansas.

CarrierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Travelers$150
Dairyland Insurance$167
SafeAuto$182
American Family Insurance$185
Midvale Home & Auto$199
Safeco Insurance$207
The General$290
Liberty Mutual$315

What Makes a Driver High-Risk in Kansas?

Mistakes on the road happen from time to time, but repeatedly earning tickets or violations while behind the wheel is often classified as high-risk driving behavior. Motorists in Kansas who change lanes often, speed, or drive with a suspended license may be putting their driving record at risk. Not only does this equate to costlier auto coverage, but it's also dangerous.

Thankfully, high-risk drivers can still enroll in auto insurance, and in some cases, premiums may be cheaper than you think. It's smart to price shop to find the best deal, and after a history of improved driving skills, you just might find that your rates eventually go down.

Kansas Car Insurance Rates for High-Risk Drivers

No Violation
$185
Failure to Stop
$231
Speeding Ticket
$235
At-Fault Accident
$236
Reckless Driving
$249

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Kansas?

The ramifications of high-risk driving don't end once you've paid your ticket, as most car insurance companies are quick to raise your rates after an infraction. These higher prices aren't a one-time occurrence either, with some individuals finding themselves paying hundreds more over a long period of time.

The type of violation you receive will certainly make a difference here, with some prices soaring much higher than others. Motorists in Kansas could expect to pay these average rates based on their unique situation:

Driving HistoryAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation$185
Speeding Ticket$235
At-Fault Accident$236
Reckless Driving$249
Failure to Stop$231

How Much Does a Speeding Ticket Impact Car Insurance Rates in Kansas?

Remember when your favorite song came on the radio and suddenly you were driving well over the speed limit without realizing it? Your insurance company remembers and will likely be charging you around $50 more per month for some time. Kansas drivers with this type of violation on their record could end up paying the following:

No Violation - Avg. Monthly Rate
$185
Speeding ticket - Avg. Monthly Rate
$235
$50 ▴
Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Kansas?

The costs keep on coming when you're at fault during an auto accident, as deductibles and repairs can add up very quickly. Your car insurance premium will also likely increase, costing you an additional $600 annually. Kansas drivers could see rates like these after an at-fault incident:

No Violation - Avg. Monthly Rate
$185
Speeding ticket - Avg. Monthly Rate
$236
$51 ▴
Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Kansas?

Kansas drivers should be extra careful to stop at all intersections, as driving through a stop sign or red light isn't just dangerous but can be very costly. It's likely that your car insurance rates will increase by about 25 percent after this violation is added to your record, with many motorists paying these rates:

No Violation - Avg. Monthly Rate
$185
Speeding ticket - Avg. Monthly Rate
$231
$46 ▴
Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Kansas?

Mistakes on the road happen from time to time, but repeatedly earning tickets or violations while behind the wheel is often classified as high-risk driving behavior. Motorists in Kansas who change lanes often, speed, or drive with a suspended license may be putting their driving record at risk. Not only does this equate to costlier auto coverage, but it's also dangerous.

Thankfully, high-risk drivers can still enroll in auto insurance, and in some cases, premiums may be cheaper than you think. It's smart to price shop to find the best deal, and after a history of improved driving skills, you just might find that your rates eventually go down.

Tips for Researching High-Risk Kansas Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Kansas draws a wide variety of choices when factoring high-risk driving insurance rates.
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.

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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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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Courtney Levin
Written by
Courtney Levin

Insurance Writer

A licensed insurance professional, Courtney Levin has been a personal finance writer since 2016. She graduated from Sonoma State University with a degree in communications and has been creating content for Insurify for more than two years. She specializes in auto insurance and personal finance and strives to help customers understand the ins and outs of their insurance policies.

Learn More
John Leach
Edited by
John Leach

Insurance Content Editor at Insurify

Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.