Best Cheap Car Insurance Companies for High-Risk Drivers in Kansas

Insurance companies typically charge high-risk drivers a more expensive premium since they are seen as more likely to file a claim. Nonetheless, risky motorists can save money on their car insurance by shopping around and comparing offers from various auto insurers.

American Family is both the best and the cheapest high-risk car insurance provider in Kansas. Its policy costs approximately $866 per year for high-risk drivers. However, keep in mind that the cost of your car insurance may vary based on your age, location and driving record.

If your profile indicates that you’re more likely to file a claim or have severe violations, insurance companies may regard you as risky to insure. Examples include multiple at-fault accidents, a DUI conviction, speeding tickets or a drag racing charge. But, insurance providers also consider young motorists and drivers with poor credit as high risk.

Insurers charge high-risk drivers more to offset the risk of insuring them. For a high-risk driver in Kansas, car insurance is around 26% more expensive than for someone with a clean record.

MoneyGeek’s research shows American Family has the most affordable car insurance for bad drivers in Kansas. On average, a policy costs $866 per year for high-risk motorists, which is around 15% higher compared to the company’s average premium for regular drivers.

Our team reviewed American Family and analyzed its pros and cons to help you decide if it’s the right fit for you.

MoneyGeek’s analysis shows that American Family is the best car insurance provider for high-risk drivers in Kansas, receiving a MoneyGeek score of 91 out of 100. Meanwhile, State Farm is our runner-up pick in the state, scoring 88 out of 100. Remember, the best insurer for you may vary based on your age, preferences and other factors.

American Family offers the cheapest auto insurance for DUI-convicted drivers in Kansas at around $735 per year. To help you decide if it’s the right company for you, we broke down American Family’s features, coverages and discounts.

Meanwhile, USAA is often also an affordable car insurance option in Kansas for veterans, military members and their families who have DUI convictions.

MoneyGeek’s analysis found that State Farm is the most affordable car insurance company for teenage drivers in Kansas. On average, a State Farm policy costs $3,309 per year for teen motorists.

Your actual rate may vary based on your age, location and other variables. MoneyGeek reviewed State Farm’s pros and cons to help you determine if it’s the right insurance provider for you.

Drivers with bad credit are considered risky to insure and pay more for auto insurance since they may be more likely to file a claim or not make their payments on time.

Per MoneyGeek’s research, Nationwide provides the cheapest car insurance in Kansas for drivers with low credit scores. On average, its policy costs $1,153 per year. MoneyGeek analyzed Nationwide’s affordability, customer service quality and offerings to help you determine if it’s the right fit for your needs.

Your driving record is one of the factors that insurance companies use to determine your car insurance rate. If you have a severe driving violation like a DUI, bad credit or little experience on the road, insurance providers will consider you riskier to insure and charge you a higher rate.

In Kansas, high-risk drivers pay around $1,204 per year for car insurance. That’s approximately $329 or 26% more expensive compared to drivers with clean records — they pay roughly $875 annually.

If you want to get a ballpark figure of your premium price, use MoneyGeek’s Kansas car insurance calculator to estimate quickly how much you’ll pay for car insurance. You’ll need to input details such as your age, driving record, vehicle type and preferred coverage. Our calculator lets you know which factor impacts your car insurance rate the most.

Car insurance is a voluntary market, so providers have the discretion to accept or reject your application. If an insurance company has considered you too risky to insure, know that it’s still possible to get insurance coverage.

The Automobile Insurance Plan Service Office (AIPSO) is a national, not-for-profit corporation that offers car insurance to the auto insurance industry residual market. It has been helping high-risk individuals find insurance for over 48 years.

If you’re a high-risk driver and have been rejected by insurance companies, you can use AIPSO’s database to find a residual market plan based on your location.

In Kansas, the Kansas Automobile Insurance Plan (KAIP) offers residual market plans for drivers who are unable to get coverage through the voluntary insurance market. Since KAIP accepts applications from licensed insurance agents only, it’s best to contact an agent if you’re looking to secure a KAIP plan.

It can be both difficult and expensive to get car insurance if you’re a high-risk driver. To help you get the best offers available for your profile, MoneyGeek answered some commonly asked questions about high-risk car insurance in Kansas.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.