True Cost of Speeding in Kansas after Insurance Increases

Auto Insurance, Insurance
True Cost of a Speeding Ticket in Kansas

Speeding in Kansas can be a costly violation, but the resulting car insurance increases will lighten drivers’ wallets even more than the tickets themselves.

After a minor speeding ticket, drivers in Kansas can expect an 11% increase in their annual car insurance premiums. Since premium increases usually continue for three years in Kansas, the average driver ends up paying $374.44 in extra car insurance costs, $124.81 more each year, after a speeding ticket.

The true cost of a speeding ticket in Kansas is 5.99 times the cost of the actual ticket — drivers pay an average of $449.44 for a $75 ticket, according to an analysis by NerdWallet.

Key findings

• After a speeding ticket, annual insurance premiums increased by an average of 11%.
• The average cost for car insurance in Kansas increases from $1,161.22 to $1,286.04 after a 15 mph over the limit speeding ticket.

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What should you do if you receive a speeding ticket in Kansas?

Kansas drivers with clean records have three options after receiving a minor speeding ticket:

• Plead guilty, pay the fine and receive a conviction or a point on your license.
• Apply for traffic diversion.
• Plead not guilty and request a court date.

If you are eligible for a traffic diversion. In some places in Kansas, drivers might be eligible for a traffic diversion, which allows drivers to keep speeding tickets off their record. This option lets drivers avoid car insurance increases, but it can be an expensive program. Drivers need to check with court officials to see if they are eligible.

After a conviction. It’s a good time to gather new quotes from a few auto insurers. Some will overlook traffic violations, but drivers won’t know if their insurer does unless they do their research.

Kansas cities where it’s most expensive to get a ticket

1. Haysville

True cost of a speeding ticket: $533.00
Average car insurance premium: $1,270.79
Average car insurance premium after a speeding ticket: $1,423.46

2. Lansing

True cost of a speeding ticket: $499.63
Average car insurance premium: $1,143.50
Average car insurance premium after a speeding ticket: $1,285.04

3. Wichita

True cost of a speeding ticket: $491.63
Average car insurance premium: $1,272.30
Average car insurance premium after a speeding ticket: $1,411.18

4. Leavenworth

True cost of a speeding ticket: $484.50
Average car insurance premium: $1,163.17
Average car insurance premium after a speeding ticket: $1,299.67

5. Pittsburg

True cost of a speeding ticket: $484.38
Average car insurance premium: $1,208.79
Average car insurance premium after a speeding ticket: $1,345.25

6. Winfield

True cost of a speeding ticket: $481.38
Average car insurance premium: $1,222.50
Average car insurance premium after a speeding ticket: $1,357.96

7. El Dorado

True cost of a speeding ticket: $478.38
Average car insurance premium: $1,216.54
Average car insurance premium after a speeding ticket: $1,351.00

8. Atchison

True cost of a speeding ticket: $474.75
Average car insurance premium: $1,167.71
Average car insurance premium after a speeding ticket: $1,300.96

9. Arkansas City

True cost of a speeding ticket: $472.00
Average car insurance premium: $1,216.04
Average car insurance premium after a speeding ticket: $1,348.38

10. Topeka

True cost of a speeding ticket: $468.31
Average car insurance premium: $1,141.11
Average car insurance premium after a speeding ticket: $1,272.21

The full list

Rank City Annual car insurance premium Annual car insurance premium after a speeding ticket Dollar difference Percentage increase Three-year insurance increase True cost of a speeding ticket
1 Haysville $1,270.79 $1,423.46 $152.67 12% $458.00 $533.00
2 Lansing $1,143.50 $1,285.04 $141.54 12% $424.63 $499.63
3 Wichita $1,272.30 $1,411.18 $138.88 11% $416.63 $491.63
4 Leavenworth $1,163.17 $1,299.67 $136.50 12% $409.50 $484.50
5 Pittsburg $1,208.79 $1,345.25 $136.46 11% $409.38 $484.38
6 Winfield $1,222.50 $1,357.96 $135.46 11% $406.38 $481.38
7 El Dorado $1,216.54 $1,351.00 $134.46 11% $403.38 $478.38
8 Atchison $1,167.71 $1,300.96 $133.25 11% $399.75 $474.75
9 Arkansas City $1,216.04 $1,348.38 $132.33 11% $397.00 $472.00
10 Topeka $1,141.11 $1,272.21 $131.10 11% $393.31 $468.31
11 Andover $1,213.46 $1,343.83 $130.38 11% $391.13 $466.13
12 Prairie Village $1,114.04 $1,244.38 $130.33 12% $391.00 $466.00
13 Merriam $1,121.38 $1,251.25 $129.88 12% $389.63 $464.63
14 Gardner $1,043.67 $1,172.46 $128.79 12% $386.38 $461.38
15 Lenexa $1,064.19 $1,192.63 $128.44 12% $385.31 $460.31
16 Olathe $1,069.48 $1,197.02 $127.54 12% $382.63 $457.63
17 Leawood $1,081.26 $1,208.13 $126.86 12% $380.58 $455.58
18 Newton $1,167.67 $1,293.67 $126.00 11% $378.00 $453.00
19 Derby $1,157.46 $1,282.67 $125.21 11% $375.63 $450.63
20 Ottawa $1,136.29 $1,261.00 $124.71 11% $374.13 $449.13
21 Shawnee $1,086.41 $1,210.31 $123.90 11% $371.70 $446.70
22 Garden City $1,398.71 $1,522.54 $123.83 9% $371.50 $446.50
23 Parsons $1,186.50 $1,310.25 $123.75 10% $371.25 $446.25
24 Overland Park $1,064.35 $1,185.88 $121.53 11% $364.58 $439.58
25 Liberal $1,357.33 $1,477.46 $120.13 9% $360.38 $435.38
26 Dodge City $1,398.00 $1,517.63 $119.63 9% $358.88 $433.88
27 Lawrence $1,080.15 $1,198.20 $118.05 11% $354.16 $429.16
28 Coffeyville $1,191.88 $1,309.42 $117.54 10% $352.63 $427.63
29 Great Bend $1,223.08 $1,338.38 $115.29 9% $345.88 $420.88
30 Emporia $1,124.71 $1,239.38 $114.67 10% $344.00 $419.00
31 Junction City $1,113.17 $1,226.13 $112.96 10% $338.88 $413.88
32 Baldwin City $1,084.38 $1,197.13 $112.75 10% $338.25 $413.25
33 Hays $1,141.88 $1,253.79 $111.92 10% $335.75 $410.75
34 Hutchinson $1,093.75 $1,205.67 $111.92 10% $335.75 $410.75
35 Salina $1,048.92 $1,160.25 $111.33 11% $334.00 $409.00
36 Mcpherson $1,102.92 $1,207.67 $104.75 9% $314.25 $389.25
37 Manhattan $1,077.79 $1,181.18 $103.39 10% $310.17 $385.17

Methodology

To determine the average insurance premium increases, we retrieved quotes for eight different driver profiles in Kansas: 27-year-old single men and women and 40-year-old married men and women each driving a Toyota Camry and a Ford Escape. For each driver profile, we chose the three cheapest car insurance quotes in every city to mimic consumer behavior and to determine our overall average.

We surveyed cities with over 10,000 residents.

All demographic data comes from the U.S. Census Bureau.

We calculated the total cost of the speeding ticket by adding the cost of a $75 speeding ticket to three years of car insurance increases.

Ticket fine amounts are for Kansas Highway Patrol citations only. City and county police may have different fines.

The estimated costs are for illustrative purposes only. The actual insurance increases you face will vary depending on your insurance carrier, your location and other factors.


Police pulling over a speeding driver image via Shutterstock.