Best Emporia, Kansas Auto Insurance in 2024
The average Emporia, KS auto insurance rates are $273 per month. The minimum auto insurance in Emporia is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Emporia, Kansas, compare quotes from multiple companies.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Sep 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Emporia, KS for senior drivers are $1,888 per year
- The most expensive auto insurance company in Emporia for teen drivers is Liberty Mutual
- The cheapest auto insurance company in Emporia is American Family
Emporia, Kansas auto insurance requirements are 25/50/25 according to Kansas auto insurance laws. Finding cheap auto insurance in Emporia can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Emporia, Kansas, including driving record, credit, commute time, and more.
Compare auto insurance in Emporia to other Kansas cities, including Wichita auto insurance rates, Lenexa auto insurance rates, and Kansas City auto insurance rates to see how Emporia, Kansas auto insurance rates stack up.
Before you buy Emporia, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Emporia, Kansas auto insurance quotes.
Minimum Auto Insurance in Emporia, Kansas
Emporia, Kansas auto insurance laws require that you have at least the Kansas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Emporia, Kansas.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Emporia, Kansas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Emporia, Kansas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,921 | $2,846 | $2,594 | $2,670 | $7,834 | $8,726 | $3,015 | $3,133 |
| American Family | $1,528 | $1,528 | $1,381 | $1,381 | $3,017 | $3,627 | $1,528 | $1,725 |
| Farmers | $2,472 | $2,443 | $2,205 | $2,309 | $6,878 | $7,100 | $2,789 | $2,923 |
| Geico | $2,270 | $2,219 | $2,292 | $2,132 | $4,307 | $5,850 | $2,679 | $1,920 |
| Liberty Mutual | $2,368 | $2,556 | $2,272 | $2,534 | $11,334 | $12,652 | $2,575 | $2,784 |
| Nationwide | $1,669 | $1,718 | $1,488 | $1,602 | $3,513 | $4,295 | $1,951 | $2,077 |
| Progressive | $2,284 | $2,165 | $1,840 | $1,925 | $8,622 | $9,724 | $2,695 | $2,895 |
| State Farm | $1,618 | $1,618 | $1,413 | $1,413 | $4,253 | $5,426 | $1,817 | $2,050 |
| Travelers | $2,005 | $2,041 | $1,958 | $1,980 | $8,108 | $12,642 | $2,054 | $2,426 |
| USAA | $1,289 | $1,315 | $1,182 | $1,194 | $4,402 | $4,623 | $1,703 | $1,780 |
Cheap Emporia, Kansas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Emporia, Kansas is a challenge. Take a look at the annual teen auto insurance rates in Emporia, Kansas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,834 | $8,726 |
| American Family | $3,017 | $3,627 |
| Farmers | $6,878 | $7,100 |
| Geico | $4,307 | $5,850 |
| Liberty Mutual | $11,334 | $12,652 |
| Nationwide | $3,513 | $4,295 |
| Progressive | $8,622 | $9,724 |
| State Farm | $4,253 | $5,426 |
| Travelers | $8,108 | $12,642 |
| USAA | $4,402 | $4,623 |
Cheap Emporia, Kansas Auto Insurance for Seniors
What are senior auto insurance rates in Emporia, Kansas? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,594 | $2,670 |
| American Family | $1,381 | $1,381 |
| Farmers | $2,205 | $2,309 |
| Geico | $2,292 | $2,132 |
| Liberty Mutual | $2,272 | $2,534 |
| Nationwide | $1,488 | $1,602 |
| Progressive | $1,840 | $1,925 |
| State Farm | $1,413 | $1,413 |
| Travelers | $1,958 | $1,980 |
| USAA | $1,182 | $1,194 |
Cheap Emporia, Kansas Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Emporia, Kansas compared to the annual auto insurance rates with a clean record in Emporia, Kansas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,650 | $4,252 | $4,882 | $4,085 |
| American Family | $1,927 | $2,077 | $1,927 | $1,927 |
| Farmers | $3,060 | $3,952 | $3,852 | $3,695 |
| Geico | $1,874 | $3,051 | $4,678 | $2,232 |
| Liberty Mutual | $3,658 | $5,556 | $5,452 | $4,871 |
| Nationwide | $1,730 | $1,985 | $3,468 | $1,973 |
| Progressive | $3,707 | $4,351 | $3,880 | $4,137 |
| State Farm | $2,278 | $2,624 | $2,451 | $2,451 |
| Travelers | $3,023 | $3,947 | $5,444 | $4,193 |
| USAA | $1,599 | $2,155 | $3,158 | $1,831 |
Cheap Emporia, Kansas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Emporia, Kansas is not easy. Compare the annual rates for DUI auto insurance in Emporia, Kansas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,882 |
| American Family | $1,927 |
| Farmers | $3,852 |
| Geico | $4,678 |
| Liberty Mutual | $5,452 |
| Nationwide | $3,468 |
| Progressive | $3,880 |
| State Farm | $2,451 |
| Travelers | $5,444 |
| USAA | $3,158 |
Cheap Emporia, Kansas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Emporia, Kansas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,236 | $3,963 | $3,453 |
| American Family | $2,566 | $1,812 | $1,516 |
| Farmers | $4,285 | $3,416 | $3,219 |
| Geico | $4,598 | $2,431 | $1,846 |
| Liberty Mutual | $4,884 | $4,884 | $4,884 |
| Nationwide | $2,531 | $2,244 | $2,092 |
| Progressive | $4,593 | $3,876 | $3,587 |
| State Farm | $3,568 | $2,133 | $1,652 |
| Travelers | $4,796 | $3,907 | $3,752 |
| USAA | $2,980 | $1,962 | $1,616 |
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Cheap Emporia, Kansas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Emporia, Kansas can vary. Compare the annual cost of auto insurance by ZIP code in Emporia, Kansas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 66801 | $3,480 |
Cheap Emporia, Kansas Auto Insurance Rates By Commute
Commute length and annual mileage affect Emporia, Kansas auto insurance. Find the cheapest annual Emporia, Kansas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,217 | $4,217 |
| American Family | $1,940 | $1,990 |
| Farmers | $3,640 | $3,640 |
| Geico | $2,897 | $3,021 |
| Liberty Mutual | $4,884 | $4,884 |
| Nationwide | $2,289 | $2,289 |
| Progressive | $4,019 | $4,019 |
| State Farm | $2,390 | $2,512 |
| Travelers | $4,152 | $4,152 |
| USAA | $2,123 | $2,249 |
Cheap Emporia, Kansas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Emporia, Kansas? Check out the comparison of annual Emporia, Kansas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,092 | $4,208 | $4,352 |
| American Family | $1,980 | $2,064 | $1,851 |
| Farmers | $3,488 | $3,621 | $3,811 |
| Geico | $2,881 | $2,955 | $3,040 |
| Liberty Mutual | $4,771 | $4,873 | $5,008 |
| Nationwide | $2,405 | $2,265 | $2,198 |
| Progressive | $3,771 | $3,985 | $4,300 |
| State Farm | $2,365 | $2,458 | $2,530 |
| Travelers | $3,945 | $4,158 | $4,353 |
| USAA | $2,113 | $2,181 | $2,264 |
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Best By Category: Cheapest Auto Insurance in Emporia, Kansas
Compare the cheapest auto insurance companies in Emporia, Kansas in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | American Family |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | Nationwide |
| With 1 DUI | American Family |
| With 1 Speeding Violation | USAA |
The Cheapest Emporia, Kansas Auto Insurance Companies
What auto insurance companies in Emporia, Kansas are the cheapest? Compare the top Emporia, Kansas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,217 |
| American Family | $1,965 |
| Farmers | $3,640 |
| Geico | $2,959 |
| Liberty Mutual | $4,884 |
| Nationwide | $2,289 |
| Progressive | $4,019 |
| State Farm | $2,451 |
| Travelers | $4,152 |
| USAA | $2,186 |
What affects auto insurance rates in Emporia, Kansas?
There are a lot of reasons why auto insurance rates in Emporia, Kansas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Emporia, Kansas. Many local factors may affect your Emporia auto insurance rates.
Emporia Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Emporia, Kansas auto theft statistics, there have been 12 auto thefts in the city.
Emporia Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Emporia, Kansas commute length is 12.8 minutes according to City-Data.
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Compare Emporia, Kansas Auto Insurance Quotes
Before you buy Emporia, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Emporia, Kansas auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a contract between you and an insurance company that protects you financially in the event of an accident, theft, or damage to your vehicle. It provides coverage for liability, medical expenses, property damage, and other potential losses.
Is auto insurance mandatory in Emporia, KS?
Yes, auto insurance is mandatory in Emporia, KS, as it is in most states. Kansas law requires all drivers to carry a minimum amount of liability insurance to cover damages and injuries to others in case of an accident.
How much auto insurance coverage do I need?
The amount of coverage you need depends on various factors, including your assets, the value of your vehicle, and your risk tolerance. While Kansas requires certain minimum coverage limits, it’s often a good idea to purchase higher coverage limits to adequately protect yourself and your assets in case of a severe accident.
What factors affect auto insurance premiums?
Several factors can influence your auto insurance premiums, including:
- Age and driving experience
- Vehicle make, model, and age
- Your driving record and claims history
- Credit history
- Annual mileage
- Coverage limits and deductibles
- Location (e.g., crime rate and traffic congestion)
- Discounts you qualify for (e.g., safe driver, bundled policies)
Can I get discounts on auto insurance?
Yes, many insurance companies offer various discounts to help you save on your auto insurance premiums. Common discounts include good driver discounts, multi-vehicle discounts, bundling discounts, safety feature discounts, and discounts for completing defensive driving courses. It’s best to inquire with your insurance provider about the specific discounts available to you.
What should I do after a car accident?
After a car accident in Emporia, KS, follow these steps:
- Ensure your safety and move to a safe location, if possible.
- Call emergency services if anyone is injured or if the accident is severe.
- Exchange information with the other driver(s) involved, including names, contact information, and insurance details.
- Document the accident scene by taking photos and gathering witness statements, if available.
- Notify your insurance company and provide them with accurate information about the accident.
- Cooperate with the claims process and provide any necessary documentation or statements.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.