Car Insurance with Bad Credit in Kansas

The Zebra
March 12, 2019

Car insurance can be expensive if you have bad credit. Car insurance companies use credit history as a major rating factor, assigning their premiums based in part on clients' credit scores. Because auto insurance companies use data that show those with bad credit have a greater likelihood of filing auto insurance claims, the companies account for for the additional risk by charging more.

Car insurance rates with bad credit depends on which company you choose, where you live, and a few other rating factors. We've gathered below typical insurance rates for drivers with bad credit in major Kansas cities, along with rates from top car insurance companies, plus a few tips on how to save on car insurance if you have a bad credit score in Kansas.


Car insurance for drivers with bad credit in Kansas:

  1. Average rates
  2. Prices by city
  3. Costs by company

Auto insurance rates with bad credit in Kansas

Kansas drivers pay a penalty of $1,347 per year for having a "worst"-tier credit score. A driver in the "poor" or "below fair to poor" credit tiers will also pay more than average for a car insurance policy.


KANSAS AUTO INSURANCE RATES WITH BAD CREDIT

Credit TierAverage Annual Rate in Kansas
Worst$2,774
Poor$2,477
Below Fair to Poor$2,278
Average — All Credit Tiers$1,427

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Compare rates from top car insurance companies.


Car insurance rates with bad credit in Kansas cities

Your car insurance rates will also vary depending on the geographic area in which you live. Insurance companies look at your address to estimate how likely you are to file a claim: the denser your area,, the more expensive rates you’ll pay.

See below major Kansas cities and their mean car insurance rates for drivers with poor credit ratings.


BAD CREDIT CAR INSURANCE RATES IN KANSAS CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Wichita$2,912$2,609$2,406
Overland Park$2,548$2,288$2,112
Kansas City$3,195$2,857$2,634
Topeka$2,622$2,345$2,159
Olathe$2,523$2,265$2,090

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Best car insurance companies for bad credit in Kansas

Another factor contributing to car insurance rates is the company you choose. Every car insurance company rates its policies in a different manner, giving rating factors varying weights in their calculations. Credit history can be a significant differentiator in price between otherwise-similar insurance companies. In Kansas, the cheapest insurance company for a driver with a bad credit score is Nationwide, which offers savings of $408 annually in comparison to the second-cheapest company, Farm Bureau.

See prices from major auto insurance companies in Kansas for drivers with bad credit.


KANSAS CAR INSURANCE PREMIUMS WITH BAD CREDIT — POPULAR COMPANIES

CompanyAverage Annual Rate — Worst Credit Tier
Nationwide$1,598
Farm Bureau$2,006
American Family$2,034
Shelter$2,520
Farmers$2,823

If you're having a hard time buying auto insurance with a bad credit history, consider these tips:

  1. Get car insurance quotes
  2. Be smart with your claims
  3. Know what determines car insurance rates

Compare rates from top car insurance companies.