Buy Cheap Emporia, KS Auto Insurance in 2024
Emporia, KS auto insurance rates average $273 a month. Minimum auto insurance requirements in Emporia, Kansas are 25/50/25 to comply with Kansas laws. To buy cheap auto insurance in Emporia, KS, compare Emporia auto insurance quotes from top companies.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Emporia is Liberty Mutual
- The most expensive auto insurance company in Emporia after a DUI is Liberty Mutual
- Average auto insurance rates in Emporia, KS after a DUI are $3,919/year
Finding affordable Emporia, Kansas auto insurance can be challenging, but everything you need to know to buy cheap Emporia, KS auto insurance with confidence is right here. Auto insurance rates in Emporia are affected by local factors as well as personal ones like your driving record.
See how Emporia, KS car insurance rates compare to Salina auto insurance rates, Wichita auto insurance rates, and Manhattan auto insurance rates before you read more about the cost of auto insurance in Emporia.
Don’t buy Emporia, KS auto insurance until you’ve compared rates. Get free Emporia, Kansas auto insurance quotes when you enter your ZIP code above.
Table of Contents
Emporia, KS Minimum Auto Insurance Requirements
The required auto insurance in Emporia, KS is 25/50/25 according to the auto insurance laws in Kansas. The minimum auto insurance in Emporia, Kansas is outlined here.
| 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 |
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Find Cheap Emporia, KS Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Emporia, KS. Take a look at Emporia, Kansas auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,236 | $3,963 | $3,453 |
| American Family | $2,566 | $1,812 | $1,516 |
| Farmers | $4,285 | $3,416 | $3,219 |
| Geico | $4,598 | $2,431 | $1,846 |
| Liberty Mutual | $4,884 | $4,884 | $4,884 |
| Nationwide | $2,531 | $2,244 | $2,092 |
| Progressive | $4,593 | $3,876 | $3,587 |
| State Farm | $3,568 | $2,133 | $1,652 |
| Travelers | $4,796 | $3,907 | $3,752 |
| USAA | $2,980 | $1,962 | $1,616 |
Buy Cheap Emporia, KS Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Emporia, Kansas auto insurance rates? Find out how car insurance rates in Emporia, KS are impacted by demographics.
| 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 | $1,528 | $1,528 | $1,381 | $1,381 | $3,017 | $3,627 | $1,528 | $1,725 |
| Farmers | $2,472 | $2,443 | $2,205 | $2,309 | $6,878 | $7,100 | $2,789 | $2,923 |
| Geico | $2,270 | $2,219 | $2,292 | $2,132 | $4,307 | $5,850 | $2,679 | $1,920 |
| Liberty Mutual | $2,368 | $2,556 | $2,272 | $2,534 | $11,334 | $12,652 | $2,575 | $2,784 |
| Nationwide | $1,669 | $1,718 | $1,488 | $1,602 | $3,513 | $4,295 | $1,951 | $2,077 |
| Progressive | $2,284 | $2,165 | $1,840 | $1,925 | $8,622 | $9,724 | $2,695 | $2,895 |
| State Farm | $1,618 | $1,618 | $1,413 | $1,413 | $4,253 | $5,426 | $1,817 | $2,050 |
| Travelers | $2,005 | $2,041 | $1,958 | $1,980 | $8,108 | $12,642 | $2,054 | $2,426 |
| USAA | $1,289 | $1,315 | $1,182 | $1,194 | $4,402 | $4,623 | $1,703 | $1,780 |
Buy Cheap Emporia, KS Auto Insurance for Teen Drivers
Auto insurance for teenagers in Emporia can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Emporia, KS are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,834 | $8,726 |
| American Family | $3,017 | $3,627 |
| Farmers | $6,878 | $7,100 |
| Geico | $4,307 | $5,850 |
| Liberty Mutual | $11,334 | $12,652 |
| Nationwide | $3,513 | $4,295 |
| Progressive | $8,622 | $9,724 |
| State Farm | $4,253 | $5,426 |
| Travelers | $8,108 | $12,642 |
| USAA | $4,402 | $4,623 |
Buy Cheap Emporia, KS Auto Insurance for Seniors
You can save on senior auto insurance rates in Emporia, Kansas by comparing Emporia senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Emporia, KS here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,594 | $2,670 |
| American Family | $1,381 | $1,381 |
| Farmers | $2,205 | $2,309 |
| Geico | $2,292 | $2,132 |
| Liberty Mutual | $2,272 | $2,534 |
| Nationwide | $1,488 | $1,602 |
| Progressive | $1,840 | $1,925 |
| State Farm | $1,413 | $1,413 |
| Travelers | $1,958 | $1,980 |
| USAA | $1,182 | $1,194 |
Find Cheap Auto Insurance Rates in Emporia, KS by Coverage Level
The amount of coverage you choose is a big factor in the cost of Emporia, Kansas auto insurance. Compare Emporia, KS auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,092 | $4,208 | $4,352 |
| American Family | $1,980 | $2,064 | $1,851 |
| Farmers | $3,488 | $3,621 | $3,811 |
| Geico | $2,881 | $2,955 | $3,040 |
| Liberty Mutual | $4,771 | $4,873 | $5,008 |
| Nationwide | $2,405 | $2,265 | $2,198 |
| Progressive | $3,771 | $3,985 | $4,300 |
| State Farm | $2,365 | $2,458 | $2,530 |
| Travelers | $3,945 | $4,158 | $4,353 |
| USAA | $2,113 | $2,181 | $2,264 |
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Find Cheap Emporia, KS Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Emporia. Compare auto insurance rates in Emporia, KS by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,217 | $4,217 |
| American Family | $1,940 | $1,990 |
| Farmers | $3,640 | $3,640 |
| Geico | $2,897 | $3,021 |
| Liberty Mutual | $4,884 | $4,884 |
| Nationwide | $2,289 | $2,289 |
| Progressive | $4,019 | $4,019 |
| State Farm | $2,390 | $2,512 |
| Travelers | $4,152 | $4,152 |
| USAA | $2,123 | $2,249 |
Find Cheap Emporia, KS Auto Insurance Rates by Driving Record
Auto insurance rates in Emporia, Kansas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Emporia, KS, take a look at the average cost for various violations versus rates for a clean driving record in Emporia.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,650 | $4,252 | $4,882 | $4,085 |
| American Family | $1,927 | $2,077 | $1,927 | $1,927 |
| Farmers | $3,060 | $3,952 | $3,852 | $3,695 |
| Geico | $1,874 | $3,051 | $4,678 | $2,232 |
| Liberty Mutual | $3,658 | $5,556 | $5,452 | $4,871 |
| Nationwide | $1,730 | $1,985 | $3,468 | $1,973 |
| Progressive | $3,707 | $4,351 | $3,880 | $4,137 |
| State Farm | $2,278 | $2,624 | $2,451 | $2,451 |
| Travelers | $3,023 | $3,947 | $5,444 | $4,193 |
| USAA | $1,599 | $2,155 | $3,158 | $1,831 |
Find Cheap Emporia, KS Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Emporia, Kansas is higher than for a clean driving record. You can buy auto insurance after a DUI in Emporia for less when you shop around and compare rates from multiple Emporia, KS auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,882 |
| American Family | $1,927 |
| Farmers | $3,852 |
| Geico | $4,678 |
| Liberty Mutual | $5,452 |
| Nationwide | $3,468 |
| Progressive | $3,880 |
| State Farm | $2,451 |
| Travelers | $5,444 |
| USAA | $3,158 |
Winners by Category: Where to Buy Cheap Auto Insurance in Emporia, KS
Compare rates from the cheapest auto insurance companies in Emporia, KS for your needs. Take a look at how Emporia, Kansas auto insurance companies stack up for each category.
| 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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Find Cheap Emporia, Kansas Auto Insurance Companies
If you’re looking for the cheapest Emporia, KS auto insurance companies overall, you can compare them here. Find the best price for Emporia, Kansas car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,217 |
| American Family | $1,965 |
| Farmers | $3,640 |
| Geico | $2,959 |
| Liberty Mutual | $4,884 |
| Nationwide | $2,289 |
| Progressive | $4,019 |
| State Farm | $2,451 |
| Travelers | $4,152 |
| USAA | $2,186 |
What affects Emporia, Kansas auto insurance rates?
Local factors affect auto insurance rates in Emporia, KS, including traffic, theft statistics, and commute length. Take a look at the things that impact Emporia auto insurance rates.
Auto Theft in Emporia
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Emporia, KS auto theft show a total of 12 vehicle thefts annually.
Commute Times in Emporia
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Emporia, KS is 12.8 minutes according to City-Data.
Compare Auto Insurance Quotes in Emporia, KS
You can buy cheap Emporia, KS auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Emporia, Kansas auto insurance quotes from top companies.
Frequently Asked Questions
What factors affect the cost of auto insurance in Emporia, KS?
Several factors can influence the cost of auto insurance in Emporia, KS. These include your driving record, age, gender, location, type of vehicle, coverage limits, deductible amount, and insurance provider. Each insurance company may have its own formula to calculate premiums based on these factors.
Is it possible to find cheap auto insurance in Emporia, KS?
Yes, it is possible to find affordable auto insurance in Emporia, KS. By comparing quotes from different insurance providers and exploring discounts, you can find policies that offer suitable coverage at a lower cost. It’s important to balance affordability with adequate coverage to protect yourself and your vehicle.
What are the benefits of buying cheap auto insurance?
Some potential advantages of buying cheap auto insurance include:
- Lower monthly premiums, which can save you money in the short term.
- Compliance with the legal requirement of having auto insurance.
- Basic protection against damage or loss to your vehicle.
- Peace of mind knowing you have coverage in case of an accident.
What are the drawbacks of buying cheap auto insurance?
While cheap auto insurance can be appealing, it’s important to consider the potential drawbacks:
- Limited coverage options and lower policy limits, which may leave you exposed to higher out-of-pocket expenses in the event of a claim.
- Higher deductibles, requiring you to pay more upfront before insurance coverage kicks in.
- Lack of additional benefits or add-ons that could be included in higher-priced policies.
- Limited customer support or slower claims processing with some budget insurance providers.
How can I save money on auto insurance in Emporia, KS?
Here are a few tips to help you save money on auto insurance:
- Compare quotes from multiple insurance providers to find the best rates.
- Opt for higher deductibles if you can afford to pay more out-of-pocket in the event of a claim.
- Take advantage of available discounts, such as good driver discounts, multi-policy discounts, or safety feature discounts.
- Maintain a good driving record and consider taking defensive driving courses to improve your eligibility for discounts.
- Evaluate your coverage needs regularly to ensure you’re not overpaying for unnecessary coverage.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.