Compare Gem, KS Car Insurance Rates (2021)

Car insurance in Gem, KS averages $290 a month. Gem, Kansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Gem car insurance rates, compare quotes from the top car insurance companies in Gem, 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 Gem for teen drivers is American Family
  • Average car insurance rates in Gem, KS are $3,485/year
  • The cheapest car insurance company in Gem is American Family

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

You’ll find Gem car insurance rates, the cheapest Gem, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Gem, Kansas car insurance rates to Kansas City car insurance rates, Shawnee car insurance rates, and Salina car insurance rates.

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

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

How do age, gender, and marital status affect Gem, KS car insurance rates? Every Gem, 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 Gem, 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 $2,609 $2,573 $2,295 $2,368 $6,563 $7,251 $2,741 $2,868
American Family $1,685 $1,685 $1,520 $1,520 $3,153 $3,761 $1,685 $1,880
Farmers $2,562 $2,545 $2,294 $2,391 $6,661 $6,886 $2,870 $3,019
GEICO $3,117 $3,051 $3,138 $2,920 $5,374 $7,167 $3,471 $2,634
Liberty Mutual $2,424 $2,624 $2,281 $2,547 $10,604 $11,854 $2,678 $2,904
Nationwide $1,860 $1,924 $1,649 $1,785 $3,628 $4,467 $2,137 $2,278
Progressive $2,523 $2,418 $2,030 $2,114 $9,021 $10,188 $2,985 $3,200
State Farm $2,075 $2,075 $1,775 $1,775 $4,896 $6,325 $2,317 $2,582
Travelers $2,232 $2,280 $2,135 $2,174 $8,644 $13,530 $2,275 $2,748
USAA $1,573 $1,621 $1,424 $1,461 $4,983 $5,299 $2,065 $2,192

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Minimum Car Insurance in Gem, KS

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

Minimum Required Car Insurance Coverage in Gem, 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 Gem, KS Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Gem, Kansas

Insurance Company Poor Fair Good
Allstate $4,541 $3,431 $3,004
American Family $2,754 $1,956 $1,624
Farmers $4,315 $3,419 $3,227
GEICO $5,995 $3,174 $2,408
Liberty Mutual $4,739 $4,739 $4,739
Nationwide $2,753 $2,404 $2,242
Progressive $4,965 $4,145 $3,819
State Farm $4,336 $2,591 $2,006
Travelers $5,223 $4,226 $4,057
USAA $3,553 $2,300 $1,879

Cheapest Gem, 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 Gem, KS to rates for a clean record with top companies.

Annual Gem, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,205 $3,706 $4,176 $3,548
American Family $2,074 $2,224 $2,074 $2,074
Farmers $3,089 $3,955 $3,856 $3,713
GEICO $2,397 $3,972 $6,215 $2,851
Liberty Mutual $3,610 $5,352 $5,262 $4,733
Nationwide $1,835 $2,119 $3,800 $2,111
Progressive $3,993 $4,638 $4,158 $4,450
State Farm $2,804 $3,151 $2,978 $2,978
Travelers $3,327 $4,289 $5,859 $4,534
USAA $1,897 $2,529 $3,713 $2,170

Cheapest Gem, KS Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Gem, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,563 $7,251
American Family $3,153 $3,761
Farmers $6,661 $6,886
GEICO $5,374 $7,167
Liberty Mutual $10,604 $11,854
Nationwide $3,628 $4,467
Progressive $9,021 $10,188
State Farm $4,896 $6,325
Travelers $8,644 $13,530
USAA $4,983 $5,299

Cheapest Gem, KS Car Insurance for Seniors

Take a look at Gem, 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 Gem, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,295 $2,368
American Family $1,520 $1,520
Farmers $2,294 $2,391
GEICO $3,138 $2,920
Liberty Mutual $2,281 $2,547
Nationwide $1,649 $1,785
Progressive $2,030 $2,114
State Farm $1,775 $1,775
Travelers $2,135 $2,174
USAA $1,424 $1,461

Cheapest Gem, KS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Gem, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,176
American Family $2,074
Farmers $3,856
GEICO $6,215
Liberty Mutual $5,262
Nationwide $3,800
Progressive $4,158
State Farm $2,978
Travelers $5,859
USAA $3,713

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Cheapest Gem, KS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Gem, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,659 $3,659
American Family $2,083 $2,139
Farmers $3,653 $3,653
GEICO $3,773 $3,945
Liberty Mutual $4,739 $4,739
Nationwide $2,466 $2,466
Progressive $4,310 $4,310
State Farm $2,904 $3,051
Travelers $4,502 $4,502
USAA $2,500 $2,655

The Best Cheap Car Insurance Companies in Gem, KS

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

Average Annual Car Insurance Rates by Company in Gem, Kansas

Insurance Company Average Annual Rates
Allstate $3,659
American Family $2,111
Farmers $3,653
GEICO $3,859
Liberty Mutual $4,739
Nationwide $2,466
Progressive $4,310
State Farm $2,978
Travelers $4,502
USAA $2,577

Category Winners: Cheapest Car Insurance in Gem, Kansas

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

Best Annual Car Insurance Rates by Company in Gem, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI American Family
With 1 Speeding Violation American Family

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Cheapest Gem, KS Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Gem, Kansas

Insurance Company Low Medium High
Allstate $3,572 $3,651 $3,752
American Family $2,140 $2,218 $1,975
Farmers $3,518 $3,637 $3,806
GEICO $3,772 $3,855 $3,949
Liberty Mutual $4,636 $4,729 $4,853
Nationwide $2,606 $2,437 $2,355
Progressive $4,125 $4,281 $4,523
State Farm $2,896 $2,984 $3,053
Travelers $4,297 $4,508 $4,702
USAA $2,515 $2,573 $2,644

What affects car insurance rates in Gem, Kansas?

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

Commute Time in Gem

The more time you spend in your car the higher the risk of an accident. The average commute length in Gem, KS is 15.2 minutes according to City-Data.

Compare Car Insurance Quotes in Gem, KS

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

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