Compare Emporia, KS Car Insurance Rates (2021)

Car insurance in Emporia, KS averages $273 a month. Emporia, Kansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Emporia car insurance rates, compare quotes from the top car insurance companies in Emporia, KS.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Emporia for teen drivers is American Family
  • The cheapest car insurance company in Emporia is American Family
  • Average car insurance rates in Emporia, KS after a DUI are $3,919/year

If you need to buy Emporia, Kansas car insurance, the options can be confusing. Everything you need to know about car insurance in Emporia, KS is right here.

You’ll find Emporia car insurance rates, the cheapest Emporia, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Emporia, Kansas car insurance rates to Manhattan car insurance rates, Kansas City car insurance rates, and Lenexa car insurance rates.

Ready to find affordable Emporia, KS car insurance today? Enter your ZIP code for fast, free Emporia car insurance quotes.

Cheapest Emporia, KS Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Emporia, KS car insurance rates? Every Emporia, Kansas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Emporia, Kansas

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

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Minimum Car Insurance in Emporia, KS

Every driver must carry the minimum car insurance in Emporia, KS. Take a look at the Kansas car insurance requirements.

Minimum Required Car Insurance Coverage 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

Cheapest Emporia, KS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Emporia, KS. Compare credit history car insurance rates in Emporia from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Emporia, Kansas

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

Cheapest Emporia, KS Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Emporia, KS to rates for a clean record with top companies.

Annual Emporia, Kansas Car Insurance Rates by Driving Record

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

Cheapest Emporia, KS Car Insurance for Teen Drivers

Teen car insurance in Emporia, KS can be expensive. Take a look at rates from the top car insurance companies in Emporia for teenagers.

Annual Car Insurance Rates for Teen Drivers 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

Cheapest Emporia, KS Car Insurance for Seniors

Take a look at Emporia, KS senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Emporia, Kansas

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

Cheapest Emporia, KS Car Insurance Rates After a DUI

A DUI in Emporia, KS increases car insurance rates. Compare Emporia, Kansas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Emporia, Kansas

Insurance Company Annual Car 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

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Cheapest Emporia, KS Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Emporia, KS by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Emporia, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

The Best Cheap Car Insurance Companies in Emporia, KS

Take a look at a side-by-side comparison of the top car insurance companies in Emporia, KS to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Emporia, Kansas

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

Category Winners: Cheapest Car Insurance in Emporia, Kansas

Find the cheapest car insurance companies in Emporia, KS for each category right here.

Best Annual Car Insurance Rates by Company in Emporia, Kansas

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

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Cheapest Emporia, KS Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Emporia car insurance rates. Find the cheapest Emporia, KS car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Emporia, Kansas

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

What affects car insurance rates in Emporia, Kansas?

What factors can have an impact on Emporia, KS car insurance? There are several reasons why Emporia car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Emporia, Kansas.

Car Theft in Emporia

High levels of vehicle theft can make car insurance more expensive. Emporia, KS car theft statistics from the FBI indicate 12 vehicle thefts a year.

Commute Time in Emporia

The more time you spend in your car the higher the risk of an accident. The average commute length in Emporia, KS is 12.8 minutes according to City-Data.

Compare Car Insurance Quotes in Emporia, KS

Ready to find affordable Emporia, Kansas car insurance today? Enter your ZIP code for fast, free Emporia, KS car insurance quotes.

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