MoneyGeek found that American Family is the best and cheapest car insurance provider for drivers with a DUI for both full and minimum coverage.
Auto Insurance
Getting Car Insurance in Kansas After a DUI (2024)
Updated: November 21, 2024
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Key Takeaways
In Kansas, American Family and State Farm are the two cheapest providers for full coverage car insurance after a DUI, with annual costs of $758 and $921, respectively.
In Kansas, after a DUI, the two cheapest providers for minimum coverage car insurance are American Family at $376 per year and State Farm at $445 per year.
In Kansas, American Family is the best and most affordable car insurance provider for drivers with a DUI, offering full coverage at an annual cost of $758, while excelling in affordability and customer satisfaction.
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After a DUI, the average cost of car insurance in Kansas increases by 58.52%, with full coverage increasing from $897 to $1,422 and minimum coverage increasing from $436 to $692.
That said, not all car insurance companies cover DUI drivers. Even though car insurance is mandatory in Kansas, car insurance providers are not compelled to cover you since they are private companies. Keep in mind that if your car insurance carrier decides to cover you, your rates will increase because you are viewed as a higher-risk driver.
Cheapest Car Insurance Companies in Kansas After a DUI
The cheapest auto insurance provider after a DUI varies by state. However, MoneyGeek found Progressive and State Farm to be the most affordable car insurance provider for DUI offenders nationwide. Meanwhile, in Kansas, American Family and State Farm are the cheapest providers for drivers convicted of a DUI.
Cheapest Companies for Full Coverage in Kansas After a DUI
MoneyGeek found the following companies to be the cheapest full-coverage providers for DUI-convicted drivers in Kansas on average:
- American Family: $758 per year
- State Farm: $921 per year
Cheapest Car Insurance for Full Coverage After a DUI
| 1 | American Family | $758 |
| 2 | State Farm | $921 |
| 3 | Progressive | $1,167 |
| 4 | Farmers | $1,239 |
| 5 | Allstate | $1,288 |
Cheapest Companies for Minimum Coverage in Kansas After a DUI
On average, MoneyGeek’s data shows that the following companies offer the cheapest minimum coverage premiums for DUI-convicted drivers in Kansas:
- American Family: $376 per year
- State Farm: $445 per year
Cheapest Car Insurance for Minimum Coverage After a DUI
| American Family | $376 |
| State Farm | $445 |
| Progressive | $495 |
| Farmers | $622 |
| USAA | $653 |
| Allstate | $753 |
| Nationwide | $845 |
| Travelers | $992 |
| MetLife | $1,045 |
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Minimum coverage is the cheapest type of insurance, but it’s usually insufficient. The state of Kansas requires drivers to have state minimum coverage. However, you should figure out how much car insurance coverage you need. Buying the exact coverage that your need will protect you financially if you have to make a claim, even though it may result in higher premiums.
Top Car Insurance Companies in Kansas After a DUI
MoneyGeek ranked Kansas car insurance companies based on various factors, including affordability, customer satisfaction, financial stability and more. American Family is the best car insurance company for DUI-convicted drivers in Kansas for both full coverage and minimum coverage.
Best Companies for Full Coverage in Kansas After a DUI
MoneyGeek’s scoring system found American Family and State Farm to be the best car insurance companies providing full coverage for DUI offenders.
1
American Family InsuranceBest full coverage after a DUI
Score:NaN
American Family charges the average driver with and without DUI $758 for full coverage. There is no increase in rates with this insurer for Kansas drivers with a DUI.
More About American Family Insurance
American Family is an inexpensive car insurance provider for young drivers and drivers with violations. This provider offers extensive discounts, including loyalty and legacy discounts. However, American Family is only available in 19 states.
2
State Farm
Score:4.5
With State Farm, non-DUI drivers pay around $848 for full coverage. DUI-convicted drivers pay roughly $921 for car insurance. This is an 8.70% increase for DUI drivers.
More About State Farm
State Farm is available in every state. MoneyGeek found State Farm to be affordable for most types of drivers, including drivers with traffic violations. However, this provider doesn’t offer accident forgiveness or new car replacement insurance.
Best Companies for Minimum Coverage in Kansas After a DUI
In Kansas, the top two companies offering minimum coverage to drivers with a DUI are American Family and State Farm. Minimum coverage is the cheapest type of coverage and might save you money upfront, but you risk paying more out of pocket if you file a claim.
1
American Family InsuranceBest minimum coverage after a DUI
Score:NaN
With American Family, drivers with and without DUI pay $376 for minimum coverage, making this provider the cheapest car insurance provider in Kansas.
More About American Family Insurance
American Family’s car insurance covers original equipment manufacturer (OEM) parts, which is important because of the cost of these parts. However, American Family doesn’t offer common add-on coverages. FOr example, the company doesn’t provide new car replacement or deductible modification.
2
State Farm
Score:4
State Farm is the second-best car insurance company for drivers with DUI in Kansas. Drivers without DUI pay around $402, while drivers convicted of DUI pay roughly $445. This is an 8.70% increase.
More About State Farm
State Farm is affordable for both average and high-risk drivers. The company offers rideshare insurance. Additionally, drivers looking for unique coverage such as OEM, might have to look elsewhere since State Farm doesn’t offer this type of protection.
How Much Does Car Insurance Cost in Kansas After a DUI?
The average cost of auto insurance for DUI offenders in Kansas is $1,422, which is roughly a 58.52% premium increase over non-DUI drivers. Some car insurance companies decline to insure DUI-convicted drivers, and those that do insure them charge a higher rate since they consider them to be high-risk drivers with a greater likelihood of filing a claim.
How long does a DUI affect the cost of your car insurance?
Previous DUI offenses in Kansas are subject to a 10-year look-back period. A look-back period specifies how long a DUI charge and conviction will remain on a person's driving record. The 10-year look-back period in Kansas implies that if you are arrested for driving under the influence within 10 years of a past DUI conviction, you may face heavier penalties than you would for a first-time DUI conviction.
Average Cost
Full Coverage
$897
Average Cost with DUI
Full Coverage
$1,422Full coverage policy premiums after a DUI cost::$525 more
This is 59% more expensive.
DUI offenders are considered high risk by car insurance carriers in Kansas, resulting in high premiums when insuring them. You can use MoneyGeek’s calculator below to get personalized estimates that will give you an idea of your car insurance cost after a DUI conviction.
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Rates updated:
Nov 21, 2024
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MONEYGEEK EXPERT TIP
Insurance charges aren’t the only cost you will incur as a DUI driver. Other financial implications that come with being a DUI offender include:
- Fines, court and legal fees: DUI offenders are expected to pay several fees, including bail fees, legal fees, court costs and fines.
- Towing/impound fee: After being arrested for a DUI, you will be required to pay for towing as well as a DUI impound fee. The cost of towing and impounding your car varies depending on where you live.
- Drug education and treatment: First-time DUI offenders could be required to undergo drug education and rehabilitation.
- DMV reinstatement fee: DUI drivers are expected to follow DMV reinstatement procedures and pay a fee to regain their driving privileges.
Getting Car Insurance in Kansas After a DUI
Getting auto insurance after a DUI might be difficult. Since many car insurance companies are private companies, they may refuse coverage to drivers they deem too risky to insure. The duration of a state's look-back time might intensify these issues. A DUI offense in Kansas is recorded on a driver's record for ten years.
Following a DUI conviction, you will almost certainly face increased insurance rates that will cost you more money. MoneyGeek recommends that you look for companies that provide insurance for high-risk drivers. It's best to compare quotes from several providers to determine the best and most affordable carrier for you.
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In Kansas, DUI drivers are expected to file an SR-22. This is sometimes known as a certificate of insurance or a financial responsibility form. It is a car liability insurance paperwork needed by most state DMV offices for "high-risk" insurance plans to verify you meet the state’s minimum coverage requirements.
Kansas DUI Laws
Getting a DUI can have substantial consequences. DUI-convicted drivers in Kansas will face several penalties, including fines, jail time, court costs, probation and evaluation fees. We’ve outlined additional details below.
Driving with a BAC at or above 0.08% is considered a DUI
It is illegal in Kansas to drive or try to drive a motor vehicle with a blood alcohol content (BAC) of .08% or higher. However, you can still be arrested even if you are under this threshold and your driving is impaired.
BAC simply means the amount of alcohol in your bloodstream.
Driving with a BAC of 0.15% will result in increased penalties
Kansas drivers with a BAC of 0.15% or above who are first-time offenders risk a one-year license suspension and restricted driving privileges. A second offense with a BAC of 0.15% results in a one-year suspension and restricted driving privileges for two years.
First DUI offense
First-time DUI drivers will be sentenced to 48 hours in jail or 100 hours of community service and must complete an alcohol and drug education and/or treatment program at the driver's expense. Furthermore, a first DUI offender will also get a $500-$1000 fine, probation and evaluation expenses with their license suspended for 30 days and then restricted for 330 days. Your car may also be impounded for a year.
Ignition interlocks
In Kansas, ignition interlock is highly incentivized for DUI offenders. Drivers with ignition interlocks won’t be able to start their car if alcohol is detected on their breath.
Repeat offender laws
In Kansas, repeat DUI offenders will be penalized at higher levels depending on how many DUIs they have.
Auto Insurance
Frequently Asked Questions
The best DUI car insurance provider for you depends on your insurance needs. MoneyGeek answers the most frequently asked questions to help you determine the best provider for you.
Will my insurer continue to cover me if I get a DUI in Kansas?
If you get a DUI in Kansas, your car insurance company may choose not to cover you. If they do, your premiums could rise by 58.52% due to the fact that you are riskier to insure.
How much do car insurance premiums increase in Kansas after a DUI?
Car insurance rates can increase by up to 58.52% after getting a DUI.
What is the cheapest car insurance company in Kansas after a DUI?
The cheapest and best company in Kansas after a DUI is American Family. The second cheapest and second best company is State Farm. This applies to both full and minimum coverage policies.
How long will having a DUI affect my car insurance rates?
Your rates car insurance rates could be high for 10 years due to Kansas look-back period.
How do I get car insurance if I have a DUI?
After getting a DUI, if your current insurer terminates your policy, your best option is to shop around and compare quotes from other insurance companies. You may focus your search on high-risk driver insurance providers.
Methodology
To determine the top companies for individuals with DUIs in Kansas, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
sources
- Driving Laws. "Kansas DUI." Accessed November 21, 2024.
- GHSA. "GHSA State Laws." Accessed November 21, 2024.
- Kansas DUI Laws. "Kansas DUI Laws." Accessed November 21, 2024.
- Responsibility. "Kansas Lookback Period." Accessed November 21, 2024.