Kansas Car Insurance with a DUI

If you're cited for DUI in Kansas, your car insurance rates are bound to rise: it's just a question of how much extra you'll pay. If you're convicted of a DUI violation, it's important to shop wisely and compare insurance rates to find the most affordable option for you.


How to find affordable car insurance in Kansas after a DUI


Getting inexpensive auto insurance after a DUI conviction isn’t easy. In fact, a DUI often results in a greater rate hike than any other driving transgression — more than racing, reckless driving, or an at-fault accident.


The best, cheapest car insurance with a DUI in Kansas

If you’re convicted of a DUI or DWI offense in Kansas, it’s crucial to consider each of your insurance options thoughtfully. Car insurance rates with a DUI often fluctuate widely by insurer. For example, the least expensive auto insurance company with a DUI in Kansas, American Family, provides yearly rates 43% more affordable than the statewide average insurance premium after a DUI conviction. The next-cheapest choice for car insurance with a DUI in Kansas is State Farm, while the priciest firm is Shelter, with rates 70% above average.


CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH A DUI
Insurance CompanyAvg. Annual Rate — After DUI
American Family$1,285
State Farm$1,302
Progressive$1,830
Farmers$2,449
Allstate$2,599
Iowa Farm Bureau$2,802

There’s no auto insurer in particular offering inexpensive DUI auto insurance. The easiest way to save post-DUI citation is to assess your options.

Compare auto insurance quotes online or contact your insurance agent to gauge the choices and discover a sensible option.

Learn more about car insurance and DUIs.


How does a DUI affect car insurance rates in Kansas?


In Kansas, a DUI will raise your annual car insurance premium by an average value of $616. That’s 78% less than the nationwide average premium hike after a DUI.


CAR INSURANCE WITH A DUI IN KANSAS — AVERAGE ANNUAL PENALTY
LocationAvg. Annual Rate — no DUIAvg. Annual Rate — with DUIAvg. Increase After DUI
Kansas$1,622$2,238+38%
U.S.$1,548$2,556+65%

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Kansas DUI laws

Kansas considers drivers DUI if their blood alcohol concentration measures a 0.08% or higher. Commercial drivers are DUI in Kansas if their BAC reads 0.04% or higher.

As a zero-tolerance state, Kansas considers those under the legal age of 21 to be DUI if their BAC measures a 0.02% or higher.


DUI penalties in Kansas

Kansas applies enhanced penalties for DUIs involving:

  • Passengers who are younger than 14 in a car driven by someone who is DUI
  • BAC readings of 0.15% or higher
  • DUIs that cause accidents, injuries, or death

Kansas recently lowered its lookback period from considering a lifetime of past DUI offenses to a period of 10 years.

First-time DUI offenses in Kansas lead to:

  • 48 hours to six months in jail
  • $750 to $1,000 in fines
  • License suspension for 30 days
  • Restricted license for 330 days following suspension
  • Possible requirement to perform 100 hours of community service
  • Required completion of an alcohol safety education or treatment program
  • Possible vehicle impoundment for up to one year

A second DUI offense in Kansas results in:

  • 90 days to one year in prison (five days must be consecutive)
  • $1,250 to $1,750 in fines
  • License suspension for one year
  • Must use an ignition interlock device for one year after license suspension
  • Required completion of an alcohol safety education or treatment program
  • Possible vehicle impoundment for up to one year

A third DUI offense in Kansas is a felony. Penalties for a third offense are:

  • 90 days (minimum) to one year in prison
  • $1,750 to $2,500 to in fines
  • License suspension for one year
  • Must use an IID for one year after license suspension
  • Required completion of an alcohol safety education or treatment program
  • Possible vehicle impoundment for up to one year

Like the third DUI offense, a fourth DUI in Kansas is a felony and is punishable by:

  • 90 days (minimum) to one year in prison
  • A $2,500 fine
  • License suspension for one year
  • Must use an IID for one year after license suspension
  • Transferred to custody of the Secretary of the Department of Corrections after release for one year of supervision and required to complete an alcohol safety education or treatment program
  • Possible vehicle impoundment for up to one year

Five or more DUI offenses result in the same penalties as a fourth, with the added penalty of a permanent lifetime driver's license revocation.


DUI penalties for underage drinkers in Kansas

Kansas is a zero-tolerance state. Those under the age of 21 and found to have a BAC of 0.02% or higher are considered DUI.

For a first-time underage DUI, offenders will:

  • Receive a license suspension for 30 days
  • Be given restricted driving privileges for 330 days, requiring an IID

A second underage DUI offense leads to:

  • A one-year suspended license

Sources and references:

https://www.ksdot.org/burtrafficsaf/brochures/pdf/duibrochure05.pdf

https://www.ksdot.org/burTrafficSaf/brochures/pdf/ksduilaws.pdf

https://www.edgarsnyder.com/drunk-driving/driving-alcohol-laws/kansas.html

https://www.dmv.org/ks-kansas/automotive-law/dui.php

https://www.crammlawfirm.com/kansas-law-has-recently-changed-the-look-back-period-for-dui-offenses-from-lifetime-to-ten-years/

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.