Car Insurance After an Accident in Kansas: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Kansas increases insurance by 40%, raising full coverage from $2,106/year to $2,948/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$176/mo
After At-Fault Accident (+40%)
$246/mo
Cheapest Companies After Accident in Kansas
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $182/mo | $2,182/yr | Military families |
| Erie Insurance | $194/mo | $2,329/yr | Rate lock guarantee |
| GEICO | $201/mo | $2,417/yr | Clean driving record |
| Progressive | $216/mo | $2,594/yr | Telematics savings |
| State Farm | $224/mo | $2,683/yr | Good students |
| Travelers | $233/mo | $2,801/yr | Multiple discounts |
| Nationwide | $255/mo | $3,066/yr | Bundling home + auto |
| Farmers | $265/mo | $3,184/yr | Signal telematics |
| Allstate | $275/mo | $3,302/yr | Accident forgiveness |
| Liberty Mutual | $290/mo | $3,479/yr | New car replacement |
USAACheapest
Monthly
$182/mo
Annual
$2,182/yr
Best for: Military families
Erie Insurance
Monthly
$194/mo
Annual
$2,329/yr
Best for: Rate lock guarantee
GEICO
Monthly
$201/mo
Annual
$2,417/yr
Best for: Clean driving record
Progressive
Monthly
$216/mo
Annual
$2,594/yr
Best for: Telematics savings
State Farm
Monthly
$224/mo
Annual
$2,683/yr
Best for: Good students
Travelers
Monthly
$233/mo
Annual
$2,801/yr
Best for: Multiple discounts
Nationwide
Monthly
$255/mo
Annual
$3,066/yr
Best for: Bundling home + auto
Farmers
Monthly
$265/mo
Annual
$3,184/yr
Best for: Signal telematics
Allstate
Monthly
$275/mo
Annual
$3,302/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$290/mo
Annual
$3,479/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses