Compare Ottawa, KS Car Insurance Rates (2021)

Car insurance in Ottawa, KS averages $276 a month. Ottawa, Kansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Ottawa car insurance rates, compare quotes from the top car insurance companies in Ottawa, 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 Ottawa for teen drivers is American Family
  • Average car insurance rates in Ottawa, KS after a DUI are $3,970/year
  • The cheapest car insurance company in Ottawa is American Family

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

You’ll find Ottawa car insurance rates, the cheapest Ottawa, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Ottawa, Kansas car insurance rates to Overland Park car insurance rates, Topeka car insurance rates, and Olathe car insurance rates.

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

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

How do age, gender, and marital status affect Ottawa, KS car insurance rates? Every Ottawa, 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 Ottawa, 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 $1,591 $1,591 $1,437 $1,437 $3,089 $3,707 $1,591 $1,789
Farmers $2,530 $2,513 $2,260 $2,359 $6,851 $7,097 $2,856 $3,013
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,284 $2,467 $2,183 $2,434 $10,628 $11,866 $2,492 $2,695
Nationwide $1,699 $1,747 $1,516 $1,629 $3,608 $4,415 $1,992 $2,118
Progressive $2,353 $2,246 $1,897 $1,978 $8,638 $9,755 $2,786 $2,991
State Farm $1,770 $1,770 $1,543 $1,543 $4,596 $5,874 $1,987 $2,238
Travelers $2,018 $2,054 $1,970 $1,994 $8,197 $12,797 $2,068 $2,437
USAA $1,280 $1,292 $1,184 $1,180 $4,598 $4,783 $1,699 $1,754

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Minimum Car Insurance in Ottawa, KS

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

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

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

Annual Car Insurance Rates by Credit Score in Ottawa, Kansas

Insurance Company Poor Fair Good
Allstate $5,236 $3,963 $3,453
American Family $2,649 $1,874 $1,564
Farmers $4,341 $3,455 $3,259
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,631 $4,631 $4,631
Nationwide $2,588 $2,295 $2,139
Progressive $4,682 $3,930 $3,630
State Farm $3,880 $2,319 $1,796
Travelers $4,841 $3,945 $3,790
USAA $3,019 $1,997 $1,648

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

Annual Ottawa, 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 $1,992 $2,142 $1,992 $1,992
Farmers $3,105 $3,994 $3,893 $3,748
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,486 $5,257 $5,161 $4,620
Nationwide $1,772 $2,032 $3,540 $2,019
Progressive $3,772 $4,404 $3,938 $4,207
State Farm $2,480 $2,850 $2,665 $2,665
Travelers $3,054 $3,987 $5,495 $4,233
USAA $1,619 $2,199 $3,209 $1,858

Cheapest Ottawa, KS Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ottawa, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,834 $8,726
American Family $3,089 $3,707
Farmers $6,851 $7,097
GEICO $4,439 $5,960
Liberty Mutual $10,628 $11,866
Nationwide $3,608 $4,415
Progressive $8,638 $9,755
State Farm $4,596 $5,874
Travelers $8,197 $12,797
USAA $4,598 $4,783

Cheapest Ottawa, KS Car Insurance for Seniors

Take a look at Ottawa, 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 Ottawa, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,594 $2,670
American Family $1,437 $1,437
Farmers $2,260 $2,359
GEICO $2,443 $2,273
Liberty Mutual $2,183 $2,434
Nationwide $1,516 $1,629
Progressive $1,897 $1,978
State Farm $1,543 $1,543
Travelers $1,970 $1,994
USAA $1,184 $1,180

Cheapest Ottawa, KS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ottawa, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,882
American Family $1,992
Farmers $3,893
GEICO $4,922
Liberty Mutual $5,161
Nationwide $3,540
Progressive $3,938
State Farm $2,665
Travelers $5,495
USAA $3,209

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Cheapest Ottawa, KS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ottawa, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,217 $4,217
American Family $2,003 $2,055
Farmers $3,685 $3,685
GEICO $3,027 $3,159
Liberty Mutual $4,631 $4,631
Nationwide $2,341 $2,341
Progressive $4,080 $4,080
State Farm $2,599 $2,731
Travelers $4,192 $4,192
USAA $2,159 $2,283

The Best Cheap Car Insurance Companies in Ottawa, KS

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

Average Annual Car Insurance Rates by Company in Ottawa, Kansas

Insurance Company Average Annual Rates
Allstate $4,217
American Family $2,029
Farmers $3,685
GEICO $3,093
Liberty Mutual $4,631
Nationwide $2,341
Progressive $4,080
State Farm $2,665
Travelers $4,192
USAA $2,221

Category Winners: Cheapest Car Insurance in Ottawa, Kansas

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

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

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

Annual Car Insurance Rates by Coverage Level in Ottawa, Kansas

Insurance Company Low Medium High
Allstate $4,092 $4,208 $4,352
American Family $2,048 $2,132 $1,908
Farmers $3,538 $3,664 $3,852
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,525 $4,621 $4,748
Nationwide $2,458 $2,315 $2,248
Progressive $3,870 $4,050 $4,322
State Farm $2,573 $2,672 $2,750
Travelers $3,979 $4,199 $4,398
USAA $2,142 $2,216 $2,307

What affects car insurance rates in Ottawa, Kansas?

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

Car Theft in Ottawa

High levels of vehicle theft can make car insurance more expensive. Ottawa, KS car theft statistics from the FBI indicate 38 vehicle thefts a year.

Commute Time in Ottawa

The more time you spend in your car the higher the risk of an accident. The average commute length in Ottawa, KS is 19.8 minutes according to City-Data.

Compare Car Insurance Quotes in Ottawa, KS

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

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