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 Company | Avg. 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
| Location | Avg. Annual Rate — no DUI | Avg. Annual Rate — with DUI | Avg. Increase After DUI |
| Kansas | $1,622 | $2,238 | +38% |
| U.S. | $1,548 | $2,556 | +65% |
Looking for cheaper insurance after a DUI? Compare rates today!
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