Compare Waterville, KS Car Insurance Rates (2021)

Car insurance in Waterville, KS averages $276 a month. Waterville, Kansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Waterville car insurance rates, compare quotes from the top car insurance companies in Waterville, 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 Waterville is American Family
  • Average car insurance rates in Waterville, KS are $3,308/year
  • The cheapest car insurance company in Waterville for teen drivers is American Family

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

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

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

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

How do age, gender, and marital status affect Waterville, KS car insurance rates? Every Waterville, 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 Waterville, 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 $1,632 $1,632 $1,473 $1,473 $3,111 $3,724 $1,632 $1,828
Farmers $2,582 $2,571 $2,313 $2,407 $6,712 $6,957 $2,902 $3,066
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,371 $2,562 $2,254 $2,514 $10,841 $12,107 $2,597 $2,811
Nationwide $1,908 $1,972 $1,694 $1,831 $3,874 $4,772 $2,213 $2,362
Progressive $2,269 $2,161 $1,827 $1,907 $8,322 $9,382 $2,677 $2,868
State Farm $1,673 $1,673 $1,461 $1,461 $4,391 $5,605 $1,878 $2,118
Travelers $2,044 $2,080 $1,993 $2,017 $8,273 $12,918 $2,092 $2,468
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 Waterville, KS

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

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

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

Annual Car Insurance Rates by Credit Score in Waterville, Kansas

Insurance Company Poor Fair Good
Allstate $4,804 $3,653 $3,183
American Family $2,693 $1,909 $1,589
Farmers $4,353 $3,453 $3,260
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,757 $4,757 $4,757
Nationwide $2,867 $2,519 $2,349
Progressive $4,508 $3,782 $3,490
State Farm $3,687 $2,204 $1,707
Travelers $4,894 $3,985 $3,828
USAA $3,182 $2,079 $1,707

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

Annual Waterville, 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 $2,026 $2,176 $2,026 $2,026
Farmers $3,119 $3,991 $3,891 $3,754
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,591 $5,393 $5,296 $4,748
Nationwide $1,928 $2,222 $3,950 $2,212
Progressive $3,630 $4,238 $3,790 $4,048
State Farm $2,354 $2,711 $2,532 $2,532
Travelers $3,087 $4,027 $5,551 $4,277
USAA $1,705 $2,284 $3,352 $1,950

Cheapest Waterville, KS Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waterville, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,265 $8,136
American Family $3,111 $3,724
Farmers $6,712 $6,957
GEICO $4,439 $5,960
Liberty Mutual $10,841 $12,107
Nationwide $3,874 $4,772
Progressive $8,322 $9,382
State Farm $4,391 $5,605
Travelers $8,273 $12,918
USAA $4,580 $4,837

Cheapest Waterville, KS Car Insurance for Seniors

Take a look at Waterville, 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 Waterville, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,371 $2,441
American Family $1,473 $1,473
Farmers $2,313 $2,407
GEICO $2,443 $2,273
Liberty Mutual $2,254 $2,514
Nationwide $1,694 $1,831
Progressive $1,827 $1,907
State Farm $1,461 $1,461
Travelers $1,993 $2,017
USAA $1,272 $1,296

Cheapest Waterville, KS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waterville, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,515
American Family $2,026
Farmers $3,891
GEICO $4,922
Liberty Mutual $5,296
Nationwide $3,950
Progressive $3,790
State Farm $2,532
Travelers $5,551
USAA $3,352

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Cheapest Waterville, KS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waterville, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,880 $3,880
American Family $2,037 $2,090
Farmers $3,689 $3,689
GEICO $3,027 $3,159
Liberty Mutual $4,757 $4,757
Nationwide $2,578 $2,578
Progressive $3,927 $3,927
State Farm $2,469 $2,595
Travelers $4,236 $4,236
USAA $2,254 $2,392

The Best Cheap Car Insurance Companies in Waterville, KS

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

Average Annual Car Insurance Rates by Company in Waterville, Kansas

Insurance Company Average Annual Rates
Allstate $3,880
American Family $2,063
Farmers $3,689
GEICO $3,093
Liberty Mutual $4,757
Nationwide $2,578
Progressive $3,927
State Farm $2,532
Travelers $4,236
USAA $2,323

Category Winners: Cheapest Car Insurance in Waterville, Kansas

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

Best Annual Car Insurance Rates by Company in Waterville, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation USAA

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Cheapest Waterville, KS Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Waterville, Kansas

Insurance Company Low Medium High
Allstate $3,772 $3,872 $3,997
American Family $2,087 $2,167 $1,936
Farmers $3,554 $3,671 $3,841
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,652 $4,747 $4,873
Nationwide $2,721 $2,549 $2,465
Progressive $3,726 $3,897 $4,157
State Farm $2,443 $2,539 $2,615
Travelers $4,018 $4,242 $4,447
USAA $2,253 $2,318 $2,398

What affects car insurance rates in Waterville, Kansas?

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

Commute Time in Waterville

The more time you spend in your car the higher the risk of an accident. The average commute length in Waterville, KS is 19.3 minutes according to City-Data.

Compare Car Insurance Quotes in Waterville, KS

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

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