Car Insurance After a DUI in Kansas: Cheapest Companies & Rates (2026)
Quick Answer
A DUI in Kansas increases car insurance rates by an average of 80%, raising a typical full coverage policy from $2,106/year to $3,791/year. That's an increase of $1,685/year ($140/month). Rates typically return to normal after 3-7 years.
✓ Updated March 2026✓ Based on state insurance filings
DUI Rate Impact in Kansas
Before DUI
$176/mo
$2,106/year full coverage
After DUI (+80%)
$316/mo
$3,791/year full coverage
Cheapest Companies After DUI in Kansas
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $234/mo | $2,805/yr | Military families |
| Erie Insurance | $250/mo | $2,995/yr | Rate lock guarantee |
| GEICO | $259/mo | $3,109/yr | Clean driving record |
| Progressive | $278/mo | $3,336/yr | Telematics savings |
| State Farm | $287/mo | $3,450/yr | Good students |
| Travelers | $300/mo | $3,601/yr | Multiple discounts |
| Nationwide | $329/mo | $3,943/yr | Bundling home + auto |
| Farmers | $341/mo | $4,094/yr | Signal telematics |
| Allstate | $354/mo | $4,246/yr | Accident forgiveness |
| Liberty Mutual | $373/mo | $4,473/yr | New car replacement |
USAACheapest
Monthly
$234/mo
Annual
$2,805/yr
Best for: Military families
Erie Insurance
Monthly
$250/mo
Annual
$2,995/yr
Best for: Rate lock guarantee
GEICO
Monthly
$259/mo
Annual
$3,109/yr
Best for: Clean driving record
Progressive
Monthly
$278/mo
Annual
$3,336/yr
Best for: Telematics savings
State Farm
Monthly
$287/mo
Annual
$3,450/yr
Best for: Good students
Travelers
Monthly
$300/mo
Annual
$3,601/yr
Best for: Multiple discounts
Nationwide
Monthly
$329/mo
Annual
$3,943/yr
Best for: Bundling home + auto
Farmers
Monthly
$341/mo
Annual
$4,094/yr
Best for: Signal telematics
Allstate
Monthly
$354/mo
Annual
$4,246/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$373/mo
Annual
$4,473/yr
Best for: New car replacement
Rates based on a 30-year-old driver with one DUI conviction, Kansas, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Kansas
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Kansas
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Kansas
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $316/mo | +80% |
| Year 1 | $302/mo | +72% |
| Year 2 | $281/mo | +60% |
| Year 3 | $246/mo | +40% |
| Year 5 | $204/mo | +16% |
| Year 7 | $176/mo | Normal |