Who Has the Cheapest Auto Insurance for Drivers with a Bad Driving Record in Kansas?

Finding dependable, reasonably-priced insurance is not the easiest thing to accomplish, and figuring out which companies offer the most affordable insurance rates for drivers with a bad driving record will involve even more shopping around. Policy rates will probably be much more than the average policy in Kansas, with the increase attributed to the potential for higher claims related to offering insurance for bad drivers, but competitively-priced insurance may be achievable if you carefully shop around. Each auto insurance company has their own formula for determining rates, so first let’s look at the rankings for the insurance companies that tend to be cheaper in Kansas.

It’s a good idea to know that Kansas insurance rates are determined by lots of factors that may substantially change the price you pay for coverage. Turning one year older, filing a claim, or getting a few speeding tickets can produce rate changes resulting in some companies being more expensive than others.

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USAA may have some of the best car insurance rates in Kansas at around $750 annually. The Hartford, Allied, Auto-Owners, and Travelers also qualify as some of the lowest-priced Kansas auto insurance companies.

As the rates illustrate above, if you have coverage with The Hartford and switched to USAA, you might achieve a yearly price reduction of around $57. Kansas drivers with Allied could save as much as $304 a year, and Auto-Owners customers might reduce prices by as much as $335 a year.

Be aware that those policy rates are averages across all insureds and vehicles and are not factoring in a price increase for drivers with a bad driving record. So the company that can offer you the best price may not even be in the company chart above. That underscores the importance of why you need to compare rates from multiple companies using your own driver and vehicle profiles.

The car, truck, or SUV needing coverage is probably the most important factor when shopping for low-priced insurance for drivers with a bad driving record. Vehicles with high performance features, poor passenger safety features, or a track record of large liability claims will cost substantially more to insure than safer models.

The information below estimates car insurance premiums for the cheapest automobiles to buy coverage for.

Table data represents married female driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in specific Kansas garaging location which can decrease or increase insurance rates substantially.

By looking at the data, we can tell that makes and models like the Ford Escape, Honda CR-V, and Hyundai Tucson will definitely be some of the cheaper vehicles to insure for bad drivers. The cost of a car insurance policy will trend higher just because there is more inherent risk for drivers with a bad driving record, but overall those specific models will tend to have the lowest insurance prices that you’ll find.

The diagram below highlights how deductible selection can increase or decrease insurance costs when getting quotes for cheap insurance for drivers with a bad driving record. The premiums assume a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

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The chart above illustrates that a 30-year-old driver could lower their car insurance rates by $222 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $336 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could lower their rates up to $664 every year just by using higher deductibles. If you do decide to increase your deductibles, it will be important to have enough savings to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.