How Much Does Car Insurance Cost for Drivers with a DUI in Kansas?

Finding out which company quotes the cheapest auto insurance rates for drivers with a DUI will involve a little more sweat in order to find a policy that fits your budget.

Every auto insurer has a unique approach for determining prices, so let’s examine the overall cheapest auto insurance companies in Kansas. We do need to point out that Kansas auto insurance rates are determined by lots of factors which can substantially decrease or increase the cost of a policy. Simply turning a year older, buying a home instead of renting, or getting a speeding ticket may prompt premium changes resulting in some rates now being cheaper than competitors.

Best Cheap Insurance Rates after a DUI

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google.charts.setOnLoadCallback(drawKST5qcibChart);function drawKST5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 750, ‘#33CFCA’], [‘The Hartford’, 815, ‘#2AACA8’], [‘Auto-Owners’, 1085, ‘#238F8C’], [‘Allied’, 1098, ‘#1D7774’], [‘Travelers’, 1106, ‘#186360’]]);var options = {title: ‘Top Five Most Affordable Car Insurance Companies in Kansas’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1206,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

USAA generally has some of the most affordable car insurance rates in Kansas at around $750 per year. The Hartford, Auto-Owners, Allied, and Travelers would also make the list of some of the most economical Kansas insurance companies.

In the above rates, if you currently have coverage with Allied and switched to USAA, you could realize a yearly savings of upwards of $348. Customers with Travelers could save as much as $356 a year, and Farmers customers might lower prices by up to $425 a year.

These premium estimates are averages for all drivers and vehicles and do not factor in a price increase for drivers with a DUI. So the car insurance company that fits your needs best may not even be in the rate chart shown above. That point stresses why you need to compare as many prices as possible using your own specific driver information and vehicle.

We all like different vehicles, and the type of vehicle needing coverage is one of the biggest factors that determines the availablility of cheaper car insurance for drivers with a DUI. Vehicles with high performance, a lack of modern safety features, or a history of substantial liability claims will cost much more to insure than safer models. The lists below outlines coverage rates for a handful of the most cost-effective vehicles to insure.

Data assumes married male driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in garaging location in Kansas which can alter insurance rates greatly.

Premium data assumes married male driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, and claim-free. Rates do not factor in your specific Kansas location which can raise or lower coverage prices considerably.

Prices above based on married male driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in specific zip code location which can increase or decrease auto insurance rates noticeably.

One of the many considerations that auto insurance companies take into consideration when calculating the price of your policy is where you keep your vehicle. Regions with more people or even just more weather-related claims like Garden City, Dodge City, and Great Bend tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims enjoy lower auto insurance rates.

The illustration below sorts the highest-priced places in Kansas for drivers with a DUI to purchase car insurance in.

Premium amounts are comparative as zip code location can affect auto insurance rates substantially.

The illustration below demonstrates how choosing different deductibles can change insurance costs when getting quotes for cheap insurance for drivers with a DUI. The premium estimates are based on a married male driver, comp and collision included, and no other discounts are factored in.

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As shown above, a 50-year-old driver could save $270 a year by increasing from a $100 deductible up to a $500 deductible, or save $404 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, could possibly save $908 each year just by using higher deductibles. When raising deductibles, it is a good idea to have enough savings to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Full coverage or liability only

Finding cheap car insurance for drivers with a DUI in Kansas is the goal of the majority of people, and one easy way to buy cheaper insurance is to not insure for full coverage. The information below visualizes the comparison of auto insurance costs with full coverage compared to only the Kansas minimum liability coverage. The prices are based on no claims, a clean driving record, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2773,1151],[‘Age 30’, 1455,633],[‘Age 40’, 1419,587],[‘Age 50’, 1299,549],[‘Age 60’, 1261,541],[‘Age 70’, 1569,721]]);var options = {title: ‘Price Comparison of Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Kansas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged for all ages 20 through 70, full coverage on your policy costs $1,629 per year over and above liability coverage. That raises the question if buying full coverage is a good investment. There isn’t a steadfast formula for eliminating physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s pretend your vehicle’s book value is $4,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,500 after paying your deductible. If you are paying over $350 a year for physical damage coverage, then it may be the right time to buy liability only.

There are some conditions where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Is Allstate, Geico, State Farm, or Progressive cheaper?

When comparing rates for car insurance, four companies to consider are Allstate, Geico, State Farm, and Progressive. They all have the same basic coverages, but each one has different features and discounts that shoppers can choose from. The next table compares ratings for price, service, and claims, in additional to some of the optional coverages shoppers can find with each company.