How a speeding ticket impacts your insurance in Kansas
It is not uncommon for a driver's driving record to include one or more speeding tickets. However, speeding tickets can raise your insurance premiums because any moving violation on your record can cause you to be considered a high-risk driver. After receiving a speeding ticket in Kansas, you may be subject to fines and penalties, as well as an increase in the cost of your car insurance. Whether you already have a speeding ticket on your record or are concerned about what might happen if you get one in the future, knowing the consequences of a speeding violation in Kansas is always beneficial.
How much is a speeding ticket in Kansas?
In Kansas, exceeding the speed limit is considered a moving violation and can result in state or local penalties. In Kansas, the cost of a speeding ticket is usually determined by how far you went over the speed limit. Although the state does not use a point system, if you have more than three moving violations in a 12-month period, your license may be suspended and you may be required to appear in court. The cost of appearing in court varies depending on where you live, but it is usually around $25. The amount of fines you face could range between $25 and $300.
The penalty for speeding in Kansas is largely determined by your prior record. If you have no prior traffic-related convictions, your fine may be less than that of a repeat offender. Third and subsequent offenses may result in your license being revoked and you being required to appear in court.
How much does a speeding ticket increase your car insurance in Kansas?
Depending on the type of moving violation you are convicted of, your insurance premiums may rise by an average of $354 per year. This is also determined by your insurance company and gender. Male drivers are statistically more reckless on the road than female drivers, which means male drivers may face a higher increase in their premiums following a speeding ticket in Kansas. Based on Quadrant Information Services' quoted annual premiums, Kansas drivers see a slight rate disparity by gender for those with a speeding ticket.
Average annual full coverage premium before speeding a ticket conviction | Average annual full coverage premium after a speeding ticket conviction | Premium increase | |
Male | $1,899 | $2,257 | $358 |
Female | $1,857 | $2,207 | $350 |
State average | $1,878 | $2,232 | $354 |
If your premiums do rise as a result of a speeding ticket, the exact amount will depend on your insurer, gender, and driving history. Furthermore, some insurance companies may forgive the first violation while others may not.
How to lower your car insurance after a speeding ticket in Kansas
Even if you receive a speeding ticket, your insurance rates may improve over time or you may be able to find lower rates. Depending on the circumstances, the following methods for getting cheap insurance after a speeding ticket in Kansas may be used.
Get quotes from other car insurance companies
If your current provider's post-speeding ticket rates are too high for you, shopping around for a better price may result in more affordable options for you. Rate differences among companies for the same level of coverage and a single speeding ticket demonstrate this. According to our research, American Family and State Farm offer the cheapest coverage for those with speeding tickets on average.
Car insurance company | Average annual full coverage premium before a speeding ticket conviction | Average annual full coverage premium after a speeding ticket conviction | Premium increase |
Allstate | $2,629 | $3,082 | $453 |
American Family | $1,871 | $1,929 | $58 |
Auto-Owners | $1,631 | $2,385 | $754 |
Dairyland | $2,547 | $3,040 | $493 |
Electric Insurance | $2,251 | $2,454 | $203 |
Encompass | $1,516 | $1,740 | $224 |
Farmers | $1,433 | $1,821 | $388 |
Farmers Union Insurance | $1,666 | $2,027 | $361 |
Iowa Farm Bureau | $1,532 | $1,742 | $210 |
Safe Auto | $2,863 | $3,865 | $1,002 |
Shelter | $2,447 | $2,976 | $529 |
State Farm | $1,293 | $1,480 | $187 |
USAA | $1,320 | $1,621 | $301 |
*Premiums are average annual full coverage premiums for 40-year-olds
When switching providers, consider factors such as financial stability, claims satisfaction rate, coverage options, and third-party ratings in addition to the cost of car insurance. While finding lower rates may be a priority for high-risk drivers, it is only one aspect of a good company to consider.
Raise your deductible
A deductible is the amount of financial responsibility you are willing to accept before your insurance payout is factored in for a claim. The higher this amount, the lower your premiums will be because your insurer will bear less financial risk. Although this is one method for getting cheaper insurance, you must ensure that you have enough money to pay the deductible if you need to file a claim.
Cut down on optional coverage
If your car insurance premiums are too high, consult with an agent to determine which coverage types are required for your financial situation. Remember that while reducing coverage or add-ons may lower your insurance costs, it may also expose you to financial risks.
Other speeding ticket considerations
A higher insurance premium is only one of the financial ramifications of a speeding ticket. If this is your first offense, your monetary fines may be low; however, if you have a history of other incidents, you may be required to appear in court or perform community service in addition to paying a fine. Repeat offenders may also have their license revoked. To have it reinstated, a fee must be paid.
Aside from these penalties, a speeding violation may result in the loss of any good driver discounts you may have had on your insurance. You may be able to take a driving course and gradually lower your insurance costs with discounts after three years, or however long a ticket remains on your record.