Best Cheap Auto Insurance Quotes for High Risk Drivers in Kansas

When shopping for car insurance for high risk drivers, one of the many things that is used by car insurance companies to calculate the amount you pay for auto insurance is where you live in Kansas. Areas with more people or more claims like Garden City, Liberal, and Great Bend tend to pay slightly more, whereas areas that tend to be more rural receive better rates.

The table below rates the highest-priced areas in Kansas for high risk drivers to buy auto insurance in.

Premium amounts are approximated as zip code location can impact prices significantly.

The make and model of vehicle requiring coverage is probably the largest consideration that determines whether or not you find the best cheap auto insurance for high risk drivers in Kansas. Vehicles with higher performance, poor crash test ratings, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models. The data below estimates insurance rates for some of the most budget-friendly vehicles to insure.

Cost estimates assume single male driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rates do not factor in specific Kansas garaging location which can modify premiums significantly.

Based on these rates, cars like the Ford Escape, Honda Accord, Honda CR-V, Chevrolet Traverse, and Subaru Forester are going to be some of the most affordable vehicles to insure for high risk drivers. The cost of auto insurance will tend to be higher because of the fact that there is more claim risk for high risk drivers, but generally speaking those particular models will probably have the lowest insurance prices compared to all other vehicles.

Discounts on the best cheap auto insurance for high risk drivers in Kansas

Car insurance companies that offer coverage for high risk drivers may have discounts that could reduce prices by 30% or more if you meet specific criteria. A list of insurance companies and some of their more popular discounts are:

• State Farm may include discounts for safe vehicle, accident-free, Steer Clear safe driver discount, defensive driving training, and good student.
• GEICO has savings for anti-lock brakes, daytime running lights, five-year accident-free, seat belt use, emergency military deployment, driver training, and membership and employees.
• Progressive offers discounts for multi-policy, homeowner, good student, online quote discount, online signing, multi-vehicle, and continuous coverage.
• 21st Century has discounts for good student, theft prevention, student driver, anti-lock brakes, early bird, and air bags.
• American Family may offer discounts for good student, Steer into Savings, accident-free, bundled insurance, good driver, mySafetyValet, and TimeAway discount.
• The Hartford offers discounts including anti-theft, bundle, good student, defensive driver, and air bag.
• AAA includes discounts for multi-car, education and occupation, anti-theft, AAA membership discount, and good driver.

The diagram below shows the comparison of auto insurance costs with and without policy discounts. Data assumes a male driver, two at-fault accidents and three violations, Kansas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with marriage, paperless filing, vehicle safety, multiple vehicle, paid-in-full, and continuous coverage discounts applied. When drivers take advantage of discounts, the the amount saved on insurance for high risk drivers is 29% or $1,029.

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Ratings for Kansas insurance companies

Selecting a high-quality auto insurance provider is difficult considering how many companies there are in Kansas. The company rank data in the next section may help you choose which companies you want to consider when shopping insurance around for high risk drivers.

The rankings below are for large insurance companies, so companies that only write business in Kansas or surrounding areas are not factored into these rankings. If you’d like to compare prices from the most competitive companies in Kansas, click this link.

Top 10 Large Car Insurance Companies Overall in Kansas

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Progressive vs State Farm vs Allstate vs Geico

When shopping for car insurance for high risk drivers in Kansas, four of the best places to start are Progressive, State Farm, Allstate, and Geico. The following table illustrates some of the different features that are available for policyholders.