Who Has the Cheapest Auto Insurance Quotes After a Speeding Ticket in Kansas?

Who Has the Cheapest Auto Insurance Quotes After a Speeding Ticket in Kansas?

Deciding which companies quote the most affordable auto insurance rates after a speeding ticket may require a bit more effort in order to find the best policy.

Each insurer has a unique formula for determining rates in each state, so let’s look at the rankings for the auto insurance companies with the overall best prices in Kansas. Keep in mind that Kansas auto insurance rates are impacted by many things that can increase the price you have to pay. Simply having a birthday, buying a new vehicle, or getting a ticket for running a stop sign can trigger price changes resulting in some companies being cheaper than others.

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Cheapest insurance companies in Kansas
Rank Company Cost Per Year
1 USAA $750
2 The Hartford $815
3 Travelers $1,095
4 Auto-Owners $1,095
5 Allied $1,098
6 Farmers $1,140
7 Farm Bureau Mutual $1,175
8 Nationwide $1,269
9 State Farm $1,283
10 California Casualty $1,293
11 American Family $1,322
12 Progressive $1,382
13 Liberty Mutual $1,471
14 National Farmers Union $1,488
15 Auto Club $1,509
16 Safeco $1,515
17 GEICO $1,577
18 Electric $1,660
19 Shelter $1,718
20 Safe Auto $1,829
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USAA quotes some of the best car insurance rates in Kansas at around $750 annually. The Hartford, Travelers, Auto-Owners, and Allied also qualify as some of the cheapest Kansas insurance companies.

In the above example, if you are a customer of The Hartford and switched to USAA, you could see a yearly savings of roughly $65. Customers with Travelers might save as much as $345 a year, and Auto-Owners customers might reduce rates by $345 a year.

If you want to see how much you could save, click here to get a free quote or visit any of the companies below.

Bear in mind that those estimates are averages across all ages of drivers and types of vehicles and and are not figured with a price decrease after a speeding ticket. So the car insurance company that is best suited for you may not even be featured in the list of companies above. That is why you need to get auto insurance quotes using your own specific driver information and vehicle.

After a few driving violations, one of the big considerations that helps insurance companies calculate the policy price is where your car is garaged. Areas that are densely populated or have higher claim frequency like Dodge City, Garden City, and Great Bend are more likely to have higher rates, whereas more rural areas benefit from lower coverage costs.

The information below ranks the most expensive areas in Kansas after a speeding ticket to purchase auto insurance in.

Car insurance prices in Kansas
Rank City Average Per Year
1 Dodge City $1,435
2 Liberal $1,418
3 Garden City $1,418
4 Kansas City $1,355
5 Great Bend $1,260
6 Wichita $1,256
7 Pittsburg $1,202
8 Emporia $1,180
9 Derby $1,165
10 Hays $1,159
11 Leavenworth $1,149
12 Topeka $1,136
13 Overland Park $1,127
14 Hutchinson $1,126
15 Prairie Village $1,117
16 Junction City $1,116
17 Lenexa $1,115
18 Leawood $1,114
19 Manhattan $1,113
20 Lawrence $1,112
21 Newton $1,108
22 Olathe $1,102
23 Shawnee $1,094
24 Gardner $1,088
25 Salina $1,049
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Price information shown is approximated as the garaging address in Kansas can influence premium rates substantially.

The model of vehicle you are trying to insure is one of the biggest factors when quoting the cheapest car insurance after a speeding ticket in Kansas. Vehicles with lower acceleration and performance, advanced safety features, or a low likelihood of having liability claims will cost significantly less to insure than fast, unsafe models.

The information below illustrates coverage prices for a selection of the most affordable vehicles to buy insurance for.

Insurance Rates for Popular Cars in Kansas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $1,138 $569 $95
Ford Focus S 4-Dr Sedan $1,112 $556 $93
Honda Accord LX-S 2-Dr Coupe $1,278 $639 $107
Hyundai Elantra SE Touring Station Wagon $1,056 $528 $88
Hyundai Sonata GLS 4-Dr Sedan $1,206 $603 $101
Kia Optima SX $1,304 $652 $109
Nissan Altima 2.5 S 4-Dr Sedan $1,210 $605 $101
Toyota Camry XLE $1,210 $605 $101
Volkswagen Jetta S 2.5 Station Wagon $1,056 $528 $88
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Above prices assume married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in specific location information which can modify insurance rates considerably.

Insurance Rates for Popular SUVs and Crossovers in Kansas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX 2WD $1,056 $528 $88
Buick Enclave CX 2WD $1,236 $618 $103
Chevrolet Traverse LT AWD $1,082 $541 $90
Ford Escape Limited 2WD $986 $493 $82
Ford Explorer Eddie Bauer 2WD $1,068 $534 $89
GMC Acadia SLE AWD $1,138 $569 $95
Honda CR-V EX-L 2WD $986 $493 $82
Honda Pilot EX-L 2WD $1,164 $582 $97
Hyundai Tucson Limited 4WD $1,138 $569 $95
Jeep Grand Cherokee Limited 2WD $1,236 $618 $103
Jeep Patriot Limited 4WD $1,138 $569 $95
Lexus RX 350 2WD $1,400 $700 $117
Toyota 4Runner SR/5 2WD $1,082 $541 $90
Toyota Highlander Sport 2WD $1,164 $582 $97
Toyota RAV4 2WD $1,138 $569 $95
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Data based on married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, and claim-free. Premium costs do not factor in vehicle location which can alter coverage prices greatly.

Auto Insurance Rates for Popular Pickup Trucks in Kansas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 2WD $1,112 $556 $93
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,262 $631 $105
Chevrolet Silverado LS Extended Cab 4WD $1,138 $569 $95
Dodge Ram Quad Cab ST 2WD $1,136 $568 $95
Ford F-150 XL Super Cab 2WD $1,042 $521 $87
Ford F-350 XLT Crew Cab Lariat 2WD $1,288 $644 $107
GMC Sierra 2500HD SLE Regular Cab 2WD $1,304 $652 $109
GMC Sierra SLE Crew Cab 2WD $1,138 $569 $95
Toyota Tacoma 4WD $1,068 $534 $89
Toyota Tundra SR/5 Crew Max 4WD $1,330 $665 $111
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Table data assumes married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Rate quotes do not factor in zip code location which can modify price quotes noticeably.

Full coverage rates vs. liability-only

Finding the cheapest car insurance after a speeding ticket in Kansas is important to the majority of people, and an easy way to pay lower rates for insurance is to not buy full coverage. The diagram below compares insurance prices with full coverage and liability only. Data assumes no claims, a clean driving record, $250 deductibles, drivers are single, and no policy discounts are applied.

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If the expense is averaged for all age categories, full coverage costs $1,509 per year over liability only. That proposes the question if full coverage is worth the money. There is no definitive formula for eliminating comp and collision coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s say your vehicle’s book value is $10,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $9,500 after the deductible is paid. If you are currently paying more than $950 a year for your policy with full coverage, then you might want to think about dropping full coverage.

Which auto insurance company is best in Kansas?

Ending up with the best insurance company can be rather challenging considering how many companies sell insurance in Kansas. The company rank data shown below could help you analyze which car insurance providers to look at to insure your vehicles. The rankings below are for companies with a nationwide focus, so companies that have a smaller presence are not taken into consideration for these rankings.

Top Auto Insurance Companies After a Speeding Ticket
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Ideas to find budget-friendly insurance after a speeding ticket

The list below shows some of the better thrifty solutions that can help Kansas drivers get cheaper coverage.

  • Tickets and violations raise rates
  • If possible, pay for small claims out-of-pocket
  • Staying accident-free helps keep rates low
  • Higher credit scores can equal lower rates
  • Buy a car with high safety ratings
  • Comparison shop at least every other year

The final tip is remarkably important, as was stressed in this write-up. Auto insurance rates vary greatly, so you should be ready to buy a policy from a new company if a more affordable price is available.

Having brand loyalty is commendable, but is isn’t recommended if it’s costing you a wad of cash every year. Now is a great time to compare prices to find cheaper auto insurance after a speeding ticket.

Cheapest insurance quotes after a few driving violations

Drivers have a lot of different ways to find cheaper auto insurance in Kansas, but the most preferred ways are through an exclusive insurance agent such as State Farm or Allstate, a non-exclusive or independent agent, or from a direct company like Progressive.

All three ways are similar, but it’s important to point out the distinctions in how they price policies.

Independent insurance agencies work for many companies and can compare rates with every one. These types of agencies will give you more rate choices, which can help you get better odds of saving money. If your agent finds better pricing, it’s easy for the agent to move the policy which requires no work on your part.

Exclusive agencies are able to place business with just one company, two popular examples being Liberty Mutual and Allstate agents. These agents are not able to quote rates from more than one company, so if their prices are high, they cannot shop around.

Choosing to buy auto insurance direct means you do not use a local agent and buy from a direct company like Geico. Shopping direct may be preferred by consumers who do not need risk management and know more than average about what limits they need.

So which one of the three ways works best for finding the cheapest car insurance after a speeding ticket in Kansas? Our initial answer would be shopping direct saves money because there isn’t an agent involved, but that is generally not the case. It could also be said an independent agent is the best way because they can quote many companies, but that is not necessarily true either. In a lot of cases, the exclusive agents have very competitive rates that cannot be met by either independent or direct companies.

Because there is so much variation in auto insurance prices, really the best method to get the cheapest rates is to get quotes and compare. It’s a good idea to get price quotes all three ways in order to find the best price. For a list of companies with online discounts, click here to view.