Compare Otis, KS Car Insurance Rates (2021)

Car insurance in Otis, KS averages $280 a month. Otis, Kansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Otis car insurance rates, compare quotes from the top car insurance companies in Otis, 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 Otis, KS are $3,358/year
  • The cheapest car insurance company in Otis for teen drivers is American Family
  • The cheapest car insurance company in Otis is American Family

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

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

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

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

How do age, gender, and marital status affect Otis, KS car insurance rates? Every Otis, 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 Otis, 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 $2,658 $2,593 $2,360 $2,425 $6,986 $7,746 $2,746 $2,849
American Family $1,737 $1,737 $1,566 $1,566 $3,232 $3,852 $1,737 $1,936
Farmers $2,574 $2,560 $2,305 $2,401 $6,630 $6,862 $2,884 $3,040
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,402 $2,600 $2,256 $2,519 $10,464 $11,698 $2,658 $2,884
Nationwide $1,946 $2,019 $1,723 $1,869 $3,783 $4,672 $2,233 $2,388
Progressive $2,360 $2,256 $1,903 $1,982 $8,569 $9,674 $2,792 $2,993
State Farm $2,107 $2,107 $1,805 $1,805 $4,998 $6,455 $2,354 $2,622
Travelers $2,031 $2,068 $1,971 $1,999 $8,142 $12,714 $2,078 $2,462
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 Otis, KS

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

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

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

Annual Car Insurance Rates by Credit Score in Otis, Kansas

Insurance Company Poor Fair Good
Allstate $4,707 $3,567 $3,112
American Family $2,830 $2,011 $1,669
Farmers $4,324 $3,419 $3,228
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,685 $4,685 $4,685
Nationwide $2,880 $2,513 $2,345
Progressive $4,673 $3,914 $3,611
State Farm $4,415 $2,637 $2,042
Travelers $4,837 $3,934 $3,779
USAA $3,182 $2,079 $1,707

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

Annual Otis, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,300 $3,832 $4,372 $3,678
American Family $2,133 $2,283 $2,133 $2,133
Farmers $3,094 $3,956 $3,858 $3,721
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,571 $5,289 $5,201 $4,679
Nationwide $1,914 $2,212 $3,986 $2,206
Progressive $3,761 $4,385 $3,924 $4,194
State Farm $2,853 $3,209 $3,031 $3,031
Travelers $3,060 $3,980 $5,472 $4,221
USAA $1,705 $2,284 $3,352 $1,950

Cheapest Otis, KS Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Otis, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,986 $7,746
American Family $3,232 $3,852
Farmers $6,630 $6,862
GEICO $4,439 $5,960
Liberty Mutual $10,464 $11,698
Nationwide $3,783 $4,672
Progressive $8,569 $9,674
State Farm $4,998 $6,455
Travelers $8,142 $12,714
USAA $4,580 $4,837

Cheapest Otis, KS Car Insurance for Seniors

Take a look at Otis, 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 Otis, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,360 $2,425
American Family $1,566 $1,566
Farmers $2,305 $2,401
GEICO $2,443 $2,273
Liberty Mutual $2,256 $2,519
Nationwide $1,723 $1,869
Progressive $1,903 $1,982
State Farm $1,805 $1,805
Travelers $1,971 $1,999
USAA $1,272 $1,296

Cheapest Otis, KS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Otis, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,372
American Family $2,133
Farmers $3,858
GEICO $4,922
Liberty Mutual $5,201
Nationwide $3,986
Progressive $3,924
State Farm $3,031
Travelers $5,472
USAA $3,352

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Cheapest Otis, KS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Otis, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,795 $3,795
American Family $2,142 $2,199
Farmers $3,657 $3,657
GEICO $3,027 $3,159
Liberty Mutual $4,685 $4,685
Nationwide $2,579 $2,579
Progressive $4,066 $4,066
State Farm $2,956 $3,107
Travelers $4,183 $4,183
USAA $2,254 $2,392

The Best Cheap Car Insurance Companies in Otis, KS

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

Average Annual Car Insurance Rates by Company in Otis, Kansas

Insurance Company Average Annual Rates
Allstate $3,795
American Family $2,170
Farmers $3,657
GEICO $3,093
Liberty Mutual $4,685
Nationwide $2,579
Progressive $4,066
State Farm $3,031
Travelers $4,183
USAA $2,323

Category Winners: Cheapest Car Insurance in Otis, Kansas

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

Best Annual Car Insurance Rates by Company in Otis, 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 Otis, KS Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Otis, Kansas

Insurance Company Low Medium High
Allstate $3,694 $3,788 $3,904
American Family $2,202 $2,280 $2,028
Farmers $3,520 $3,639 $3,812
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,585 $4,675 $4,795
Nationwide $2,726 $2,549 $2,462
Progressive $3,870 $4,036 $4,291
State Farm $2,945 $3,038 $3,111
Travelers $3,976 $4,190 $4,383
USAA $2,253 $2,318 $2,398

What affects car insurance rates in Otis, Kansas?

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

Commute Time in Otis

The more time you spend in your car the higher the risk of an accident. The average commute length in Otis, KS is 20.4 minutes according to City-Data.

Compare Car Insurance Quotes in Otis, KS

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

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