Compare Spearville, KS Car Insurance Rates (2021)

Car insurance in Spearville, KS averages $317 a month. Spearville, Kansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Spearville car insurance rates, compare quotes from the top car insurance companies in Spearville, KS.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Spearville is American Family
  • Average car insurance rates in Spearville, KS are $3,803/year
  • Average car insurance rates in Spearville, KS after a DUI are $4,565/year

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

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

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

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

How do age, gender, and marital status affect Spearville, KS car insurance rates? Every Spearville, 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 Spearville, 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 $3,611 $3,574 $3,150 $3,257 $9,016 $9,926 $3,822 $4,010
American Family $1,836 $1,836 $1,656 $1,656 $3,472 $4,152 $1,836 $2,054
Farmers $2,846 $2,838 $2,550 $2,653 $7,326 $7,599 $3,193 $3,372
GEICO $3,117 $3,051 $3,138 $2,920 $5,374 $7,167 $3,471 $2,634
Liberty Mutual $2,666 $2,889 $2,495 $2,789 $11,509 $12,876 $2,959 $3,214
Nationwide $1,946 $2,019 $1,723 $1,869 $3,783 $4,672 $2,233 $2,388
Progressive $2,789 $2,704 $2,255 $2,332 $9,449 $10,720 $3,303 $3,528
State Farm $1,894 $1,894 $1,651 $1,651 $4,941 $6,310 $2,126 $2,399
Travelers $2,479 $2,541 $2,339 $2,393 $9,383 $14,793 $2,520 $3,098
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 Spearville, KS

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

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

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

Annual Car Insurance Rates by Credit Score in Spearville, Kansas

Insurance Company Poor Fair Good
Allstate $6,285 $4,721 $4,132
American Family $3,017 $2,140 $1,779
Farmers $4,777 $3,787 $3,578
GEICO $5,995 $3,174 $2,408
Liberty Mutual $5,175 $5,175 $5,175
Nationwide $2,880 $2,513 $2,345
Progressive $5,370 $4,448 $4,087
State Farm $4,162 $2,487 $1,926
Travelers $5,747 $4,634 $4,449
USAA $3,553 $2,300 $1,879

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

Annual Spearville, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,429 $5,130 $5,735 $4,890
American Family $2,275 $2,425 $2,275 $2,275
Farmers $3,427 $4,378 $4,267 $4,117
GEICO $2,397 $3,972 $6,215 $2,851
Liberty Mutual $3,953 $5,836 $5,741 $5,169
Nationwide $1,914 $2,212 $3,986 $2,206
Progressive $4,292 $4,989 $4,464 $4,795
State Farm $2,659 $3,058 $2,858 $2,858
Travelers $3,690 $4,719 $6,399 $4,966
USAA $1,897 $2,529 $3,713 $2,170

Cheapest Spearville, KS Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spearville, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,016 $9,926
American Family $3,472 $4,152
Farmers $7,326 $7,599
GEICO $5,374 $7,167
Liberty Mutual $11,509 $12,876
Nationwide $3,783 $4,672
Progressive $9,449 $10,720
State Farm $4,941 $6,310
Travelers $9,383 $14,793
USAA $4,983 $5,299

Cheapest Spearville, KS Car Insurance for Seniors

Take a look at Spearville, 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 Spearville, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,150 $3,257
American Family $1,656 $1,656
Farmers $2,550 $2,653
GEICO $3,138 $2,920
Liberty Mutual $2,495 $2,789
Nationwide $1,723 $1,869
Progressive $2,255 $2,332
State Farm $1,651 $1,651
Travelers $2,339 $2,393
USAA $1,424 $1,461

Cheapest Spearville, KS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spearville, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,735
American Family $2,275
Farmers $4,267
GEICO $6,215
Liberty Mutual $5,741
Nationwide $3,986
Progressive $4,464
State Farm $2,858
Travelers $6,399
USAA $3,713

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Cheapest Spearville, KS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spearville, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,046 $5,046
American Family $2,282 $2,342
Farmers $4,047 $4,047
GEICO $3,773 $3,945
Liberty Mutual $5,175 $5,175
Nationwide $2,579 $2,579
Progressive $4,635 $4,635
State Farm $2,788 $2,929
Travelers $4,943 $4,943
USAA $2,500 $2,655

The Best Cheap Car Insurance Companies in Spearville, KS

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

Average Annual Car Insurance Rates by Company in Spearville, Kansas

Insurance Company Average Annual Rates
Allstate $5,046
American Family $2,312
Farmers $4,047
GEICO $3,859
Liberty Mutual $5,175
Nationwide $2,579
Progressive $4,635
State Farm $2,858
Travelers $4,943
USAA $2,577

Category Winners: Cheapest Car Insurance in Spearville, Kansas

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

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

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

Annual Car Insurance Rates by Coverage Level in Spearville, Kansas

Insurance Company Low Medium High
Allstate $4,930 $5,037 $5,170
American Family $2,342 $2,429 $2,165
Farmers $3,900 $4,027 $4,214
GEICO $3,772 $3,855 $3,949
Liberty Mutual $5,062 $5,163 $5,299
Nationwide $2,726 $2,549 $2,462
Progressive $4,426 $4,604 $4,875
State Farm $2,762 $2,866 $2,947
Travelers $4,728 $4,950 $5,153
USAA $2,515 $2,573 $2,644

What affects car insurance rates in Spearville, Kansas?

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

Commute Time in Spearville

The more time you spend in your car the higher the risk of an accident. The average commute length in Spearville, KS is 19.0 minutes according to City-Data.

Compare Car Insurance Quotes in Spearville, KS

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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