Compare Hays, KS Car Insurance Rates (2021)

Car insurance in Hays, KS averages $269 a month. Hays, Kansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Hays car insurance rates, compare quotes from the top car insurance companies in Hays, 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

  • Average car insurance rates in Hays, KS after a DUI are $3,864/year
  • Average car insurance rates in Hays, KS are $3,228/year
  • The cheapest car insurance company in Hays is American Family

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

You’ll find Hays car insurance rates, the cheapest Hays, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Hays, Kansas car insurance rates to Olathe car insurance rates, Wichita car insurance rates, and Kansas City car insurance rates.

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

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

How do age, gender, and marital status affect Hays, KS car insurance rates? Every Hays, 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 Hays, 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 $2,655 $2,589 $2,371 $2,441 $7,265 $8,136 $2,739 $2,845
American Family $1,625 $1,625 $1,466 $1,466 $3,081 $3,682 $1,625 $1,819
Farmers $2,524 $2,508 $2,259 $2,355 $6,582 $6,811 $2,822 $2,965
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,424 $2,624 $2,281 $2,547 $10,604 $11,854 $2,678 $2,904
Nationwide $1,641 $1,689 $1,462 $1,575 $3,378 $4,126 $1,908 $2,028
Progressive $2,353 $2,251 $1,901 $1,975 $8,347 $9,412 $2,770 $2,950
State Farm $1,663 $1,663 $1,455 $1,455 $4,405 $5,619 $1,868 $2,108
Travelers $1,879 $1,914 $1,818 $1,845 $7,439 $11,611 $1,919 $2,279
USAA $1,396 $1,431 $1,272 $1,296 $4,580 $4,837 $1,837 $1,934

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Minimum Car Insurance in Hays, KS

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

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

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

Annual Car Insurance Rates by Credit Score in Hays, Kansas

Insurance Company Poor Fair Good
Allstate $4,804 $3,653 $3,183
American Family $2,673 $1,896 $1,577
Farmers $4,249 $3,374 $3,187
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,739 $4,739 $4,739
Nationwide $2,467 $2,179 $2,032
Progressive $4,602 $3,843 $3,539
State Farm $3,682 $2,201 $1,705
Travelers $4,442 $3,608 $3,465
USAA $3,182 $2,079 $1,707

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

Annual Hays, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,348 $3,898 $4,515 $3,760
American Family $2,011 $2,161 $2,011 $2,011
Farmers $3,049 $3,902 $3,804 $3,657
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,610 $5,352 $5,262 $4,733
Nationwide $1,678 $1,927 $3,381 $1,917
Progressive $3,690 $4,317 $3,851 $4,121
State Farm $2,348 $2,711 $2,529 $2,529
Travelers $2,816 $3,652 $5,013 $3,872
USAA $1,705 $2,284 $3,352 $1,950

Cheapest Hays, KS Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hays, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,265 $8,136
American Family $3,081 $3,682
Farmers $6,582 $6,811
GEICO $4,439 $5,960
Liberty Mutual $10,604 $11,854
Nationwide $3,378 $4,126
Progressive $8,347 $9,412
State Farm $4,405 $5,619
Travelers $7,439 $11,611
USAA $4,580 $4,837

Cheapest Hays, KS Car Insurance for Seniors

Take a look at Hays, 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 Hays, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,371 $2,441
American Family $1,466 $1,466
Farmers $2,259 $2,355
GEICO $2,443 $2,273
Liberty Mutual $2,281 $2,547
Nationwide $1,462 $1,575
Progressive $1,901 $1,975
State Farm $1,455 $1,455
Travelers $1,818 $1,845
USAA $1,272 $1,296

Cheapest Hays, KS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hays, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,515
American Family $2,011
Farmers $3,804
GEICO $4,922
Liberty Mutual $5,262
Nationwide $3,381
Progressive $3,851
State Farm $2,529
Travelers $5,013
USAA $3,352

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Cheapest Hays, KS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hays, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,880 $3,880
American Family $2,022 $2,075
Farmers $3,603 $3,603
GEICO $3,027 $3,159
Liberty Mutual $4,739 $4,739
Nationwide $2,226 $2,226
Progressive $3,995 $3,995
State Farm $2,466 $2,592
Travelers $3,838 $3,838
USAA $2,254 $2,392

The Best Cheap Car Insurance Companies in Hays, KS

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

Average Annual Car Insurance Rates by Company in Hays, Kansas

Insurance Company Average Annual Rates
Allstate $3,880
American Family $2,049
Farmers $3,603
GEICO $3,093
Liberty Mutual $4,739
Nationwide $2,226
Progressive $3,995
State Farm $2,529
Travelers $3,838
USAA $2,323

Category Winners: Cheapest Car Insurance in Hays, Kansas

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

Best Annual Car Insurance Rates by Company in Hays, 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 Nationwide

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Cheapest Hays, KS Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Hays, Kansas

Insurance Company Low Medium High
Allstate $3,772 $3,872 $3,997
American Family $2,074 $2,152 $1,919
Farmers $3,468 $3,587 $3,755
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,636 $4,729 $4,853
Nationwide $2,341 $2,202 $2,135
Progressive $3,803 $3,964 $4,217
State Farm $2,438 $2,536 $2,614
Travelers $3,648 $3,843 $4,023
USAA $2,253 $2,318 $2,398

What affects car insurance rates in Hays, Kansas?

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

Commute Time in Hays

The more time you spend in your car the higher the risk of an accident. The average commute length in Hays, KS is 21.8 minutes according to City-Data.

Compare Car Insurance Quotes in Hays, KS

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

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