Who Has the Cheapest Auto Insurance for Drivers with Accidents in Kansas?

You have most likely watched the catchy commercials from car insurance companies like Progressive, The General, and GEICO that promise the cheapest rates. So you should just choose the one with the flashiest ad, right?

It’s not that simple, unfortunately, as there are a whole slew of unknown factors such as if you have ever let your policy lapse, if your vehicle is used for personal use or work, and whether you are a new or experienced driver, that all have an effect on the price. The information below will cover some of these topics and will hopefully give the reader a good start to your coverage search.

For Kansas drivers, one of the components used to determine the price you pay for insurance is where you call home in Kansas. Areas with high crime rates or more dense population like Garden City, Dodge City, and Great Bend tend to pay slightly more, whereas areas that are not as densely populated have the luxury of the cheapest auto insurance for drivers with accidents in Kansas.

The information below displays the higher priced cities in Kansas for drivers with accidents in which to buy car insurance.

Rates are estimated as the vehicle garaging location can influence premium rates noticeably.

The make and model of vehicle driven is a significant factor that determines if you can find low-priced insurance for drivers with accidents. Vehicles with lots of speed or power, a lack of modern safety features, or high incidents of liability claims will cost more to insure than more economical and safe models. The data below showcases car insurance costs for a number of the cheapest vehicles to insure in Kansas.

Data rating is based on single female driver age 40, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Price information does not factor in vehicle location which can affect rates substantially.

Based upon the table data, you can assume that models like the Honda CR-V, Toyota Prius, Chevrolet Traverse, and Ford Escape are going to be some of the most affordable vehicles to insure for drivers with at-fault accidents. The cost of a car insurance policy will be more costly because there is more inherent risk for drivers with accidents, but generally speaking those particular vehicles will probably have the least expensive rates possible.

Finding reliable, cost effective auto insurance is hard enough, and finding out which company quotes the most affordable auto insurance rates for drivers with accidents requires a bit more work. Insurance premiums may be somewhat greater than the average price in Kansas due to the higher likelihood of claims that comes with selling insurance for drivers with at-fault accidents, but affordable insurance may be possible if you are thorough. Every insurance provider has their own process to set policy rates, so let’s begin by taking a look at the auto insurance companies that tend to have lower prices in Kansas.

It’s a good idea to know that Kansas auto insurance rates are impacted by many things which can substantially decrease or increase the price you pay. Simply turning a year older, buying a different home, or getting a couple of tickets can cause premium changes resulting in some companies being cheaper than others.

Cheapest Insurance Rates for Accident Prone Drivers

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USAA has some of the most affordable car insurance rates in Kansas at around $773 a year. The Hartford, Auto-Owners, Travelers, and Allied also make the cut as some of the lowest-priced Kansas auto insurance companies.

In the above rates, if you currently buy coverage from Travelers and switched to USAA, you might see an annual savings of about $289. Customers with Allied might save as much as $314 a year, and Farmers insureds might realize rate reductions of up to $402 a year.

These policy rates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a price increase for drivers with accidents. So the auto insurance company that has the cheapest price for you may not even be included in the rate chart shown above. That affirms the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.

Accidents and violations increase rates

The ideal way to obtain affordable auto insurance premiums in Kansas for drivers with at-fault accidents is to be an attentive driver and avoid tickets and accidents. The chart below illustrates how violations and fender-benders can affect insurance prices for different insured age categories. The prices are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1329,1707,2091],[‘Age 30’, 915,1297,1679],[‘Age 40’, 913,1295,1679],[‘Age 50’, 807,1185,1573],[‘Age 60’, 767,1149,1533],[‘Age 70’, 833,1213,1599]]);var options = {title: ‘Effect of Citations and Accidents on Kansas Auto Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Kansas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of an auto insurance policy in Kansas per year with no accidents or violations is $927. Receive two speeding tickets and the average cost surges to $1,308, an increase of $380 each year. Now get one accident along with the two speeding tickets and the yearly cost of auto insurance for drivers with accidents jumps again to an average of $1,692. That’s an increase of $765, or $64 per month, just for being a little careless behind the wheel!

How to find the cheapest auto insurance for drivers with accidents in Kansas

The list below shows a few money-saving suggestions that can help Kansas drivers quote low-cost car insurance.

• Do not get into accidents
• Increase your physical damage deductibles
• Bundle home and auto and save
• Avoid getting tickets or violations
• Good credit can save money
• Don’t have frequent claims
• Compare rate quotes often

The last item on the list is incredibly important, as was discussed in this piece. Coverage rates vary greatly, so you should be ready to switch carriers if a lower-cost policy is available.

Staying with the same car insurance company is fine, but it’s not a great idea if that inflexibility results in costing you a considerable chunk of change every month. Take a few minutes and compare prices and find cheaper insurance for drivers with accidents.