Compare Pratt, KS Car Insurance Rates (2021)

Car insurance in Pratt, KS averages $279 a month. Pratt, Kansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Pratt car insurance rates, compare quotes from the top car insurance companies in Pratt, 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 Pratt, KS are $3,354/year
  • The cheapest car insurance company in Pratt is American Family
  • The cheapest car insurance company in Pratt for teen drivers is American Family

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

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

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

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

How do age, gender, and marital status affect Pratt, KS car insurance rates? Every Pratt, 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 Pratt, 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 $1,695 $1,695 $1,528 $1,528 $3,175 $3,788 $1,695 $1,892
Farmers $2,594 $2,580 $2,322 $2,419 $6,809 $7,052 $2,918 $3,079
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 $2,299 $2,206 $1,854 $1,928 $8,155 $9,213 $2,716 $2,903
State Farm $1,934 $1,934 $1,678 $1,678 $4,896 $6,280 $2,168 $2,430
Travelers $2,170 $2,213 $2,092 $2,126 $8,579 $13,416 $2,216 $2,649
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 Pratt, KS

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

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

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

Annual Car Insurance Rates by Credit Score in Pratt, Kansas

Insurance Company Poor Fair Good
Allstate $4,707 $3,567 $3,112
American Family $2,772 $1,968 $1,634
Farmers $4,392 $3,484 $3,289
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,685 $4,685 $4,685
Nationwide $2,880 $2,513 $2,345
Progressive $4,505 $3,760 $3,463
State Farm $4,186 $2,501 $1,937
Travelers $5,134 $4,165 $4,000
USAA $3,182 $2,079 $1,707

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

Annual Pratt, 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 $2,087 $2,237 $2,087 $2,087
Farmers $3,144 $4,029 $3,927 $3,787
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 $3,617 $4,214 $3,770 $4,036
State Farm $2,684 $3,065 $2,875 $2,875
Travelers $3,258 $4,220 $5,785 $4,469
USAA $1,705 $2,284 $3,352 $1,950

Cheapest Pratt, KS Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Pratt, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,986 $7,746
American Family $3,175 $3,788
Farmers $6,809 $7,052
GEICO $4,439 $5,960
Liberty Mutual $10,464 $11,698
Nationwide $3,783 $4,672
Progressive $8,155 $9,213
State Farm $4,896 $6,280
Travelers $8,579 $13,416
USAA $4,580 $4,837

Cheapest Pratt, KS Car Insurance for Seniors

Take a look at Pratt, 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 Pratt, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,360 $2,425
American Family $1,528 $1,528
Farmers $2,322 $2,419
GEICO $2,443 $2,273
Liberty Mutual $2,256 $2,519
Nationwide $1,723 $1,869
Progressive $1,854 $1,928
State Farm $1,678 $1,678
Travelers $2,092 $2,126
USAA $1,272 $1,296

Cheapest Pratt, KS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Pratt, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,372
American Family $2,087
Farmers $3,927
GEICO $4,922
Liberty Mutual $5,201
Nationwide $3,986
Progressive $3,770
State Farm $2,875
Travelers $5,785
USAA $3,352

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Cheapest Pratt, KS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Pratt, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,795 $3,795
American Family $2,097 $2,152
Farmers $3,722 $3,722
GEICO $3,027 $3,159
Liberty Mutual $4,685 $4,685
Nationwide $2,579 $2,579
Progressive $3,909 $3,909
State Farm $2,803 $2,946
Travelers $4,433 $4,433
USAA $2,254 $2,392

The Best Cheap Car Insurance Companies in Pratt, KS

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

Average Annual Car Insurance Rates by Company in Pratt, Kansas

Insurance Company Average Annual Rates
Allstate $3,795
American Family $2,124
Farmers $3,722
GEICO $3,093
Liberty Mutual $4,685
Nationwide $2,579
Progressive $3,909
State Farm $2,875
Travelers $4,433
USAA $2,323

Category Winners: Cheapest Car Insurance in Pratt, Kansas

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

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

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

Annual Car Insurance Rates by Coverage Level in Pratt, Kansas

Insurance Company Low Medium High
Allstate $3,694 $3,788 $3,904
American Family $2,154 $2,232 $1,987
Farmers $3,582 $3,703 $3,880
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,585 $4,675 $4,795
Nationwide $2,726 $2,549 $2,462
Progressive $3,722 $3,881 $4,126
State Farm $2,778 $2,882 $2,964
Travelers $4,220 $4,439 $4,640
USAA $2,253 $2,318 $2,398

What affects car insurance rates in Pratt, Kansas?

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

Car Theft in Pratt

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

Commute Time in Pratt

The more time you spend in your car the higher the risk of an accident. The average commute length in Pratt, KS is 11.8 minutes according to City-Data.

Compare Car Insurance Quotes in Pratt, KS

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

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