Kansas Car Insurance After a DUI

If you receive a DUI in Kansas, your car insurance is going to get more expensive — it's a question of how large your penalty will be.


How does a DUI affect car insurance premiums in Kansas?


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


CAR INSURANCE AFTER A DUI IN KANSAS — AVERAGE ANNUAL PENALTY
AreaAvg. Annual Rate — no DUIAvg. Annual Rate — with DUIAvg. Increase After DUI
Kansas$1,622$2,238+38%
United States$1,548$2,556+65%

Shopping for car insurance coverage in Kansas with a DUI


Purchasing affordable auto insurance after a DUI conviction is not easy. In fact, a DUI generally triggers a bigger rate increase than any other driving violation — more than an at-fault accident, racing, or reckless driving.


Best auto insurance after a DUI in Kansas

If you’re convicted of a driving under the influence offense in Kansas, it’s essential to weigh your insurance options judiciously. Car insurance premiums after a DUI can fluctuate widely by insurer. For instance, the cheapest car insurance company with a DUI in Kansas, American Family, advertises annual rates 43% less than the statewide average insurance rate with a DUI. The next-most affordable choice for auto insurance with a DUI in Kansas is State Farm, and the most expensive insurer is Shelter, at 70% more than average.


AUTO INSURANCE RATES AFTER DUI IN KANSAS — BY INSURER
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 is no car insurance company in particular that offers low-cost DUI car insurance. The best strategy to save post-DUI violation is to shop around.

Compare car insurance policies online or contact an insurance agent to assess your choices and find a sensible DUI insurance policy.

Learn more about car insurance and DUIs.

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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/

Drunk Driving Statistics

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.