Cheap Auto Insurance for Drivers with Bad Credit in Kansas

The type of vehicle requiring coverage is one of the biggest factors that determines if you can find economical car insurance for drivers with bad credit. Vehicles with more horsepower, a lack of modern safety features, or high incidents of liability claims will cost more to insure than more economical and safe models. The tables below shows car insurance premiums for a selection of the most budget-friendly automobiles to buy insurance for.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in vehicle location which can alter premium rates considerably.

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in vehicle garaging location which can impact prices significantly.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Estimates do not factor in vehicle location which can raise or lower premium rates noticeably.

Figuring out which companies have the cheapest insurance rates for drivers with bad credit calls for a tad more effort than just quoting one company’s rates. Each auto insurer has their own unique process to determine premium rates, so let’s take a look at the overall cheapest insurance companies in Kansas.

Cheap Insurance Rates with Bad Credit

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USAA has some of the cheapest car insurance rates in Kansas at around $743 a year. The Hartford, Allied, Auto-Owners, and Travelers would also make the list of some of the lowest-priced Kansas car insurance companies.

As the rates illustrate above, if you currently have coverage with Auto-Owners and switched to The Hartford, you could see an annual premium reduction of upwards of $288. Policyholders with Travelers may save as much as $299 a year, and Farmers customers might lower prices by up to $333 a year.

To discover how much you can save, click here to get a free quote or quote rates from the companies below.

It’s important to note that these policy rates are averaged for all insureds and vehicles and are not factoring in a price increase for drivers with bad credit. So the insurer that has the cheapest rates for you may not even be in the list of companies shown earlier. That underscores the importance of why you need to get car insurance quotes using your own individual information.

The diagram below illustrates how your choice of deductibles can influence insurance rates when quoting cheap insurance for drivers with bad credit. The premium estimates are based on a single male driver, comp and collision included, and no additional discounts are factored in.

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The data above shows that a 50-year-old driver could lower their policy premium by $282 a year by switching from a $100 deductible to a $500 deductible, or save $424 by using a $1,000 deductible. Youthful drivers, like the Age 20 category, could lower their rates up to $928 each year by using higher deductibles when buying full coverage. When increasing deductibles, it is necessary to have plenty of savings on hand to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Insuring your vehicle with the best insurance company is difficult considering how many choices drivers have in Kansas. The company rank data in the next section could help you select which auto insurers to look at comparing rates with.

These rankings are for companies who write in the majority of U.S. states, so smaller regional companies are not taken into consideration for this list. If you wish to compare rates and find the cheapest rates for drivers with bad credit, click here.

Top 10 Large Auto Insurance Providers in Kansas Ranked by Value

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

Allstate, State Farm, Progressive, and Geico: Who is best?

If you are shopping around for car insurance for people with poor credit in Kansas, four companies to definitely compare rates with are Allstate, State Farm, Progressive, and Geico. All of them have somewhat different options that may affect your buying decision. The data below rates ratings for price and service, as well as some optional coverages that are available for customers.