Best Baxter Springs, Kansas Auto Insurance in 2024 (Your Guide to the Top 10 Companies)
For the best Baxter Springs, Kansas auto insurance, consider Liberty Mutual, Allstate, and Farmers, each offering competitive coverage options with rates starting at $30 per month. In Baxter Springs, Kansas, these companies offer a variety of benefits and features, helping you find a policy that meets your needs.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Sep 11, 2024
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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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Sep 11, 2024
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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
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For the best Baxter Springs, Kansas auto insurance, Liberty Mutual, Allstate, and Farmers offer the most competitive rates, starting as low as $30 per month. 
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 24% A Add-on Coverages Liberty Mutual
#2 11% A+ Local Support Allstate
#3 19% A Weather Coverage Farmers
#4 23% A++ Affordable Rates Geico
#5 21% A+ Snapshot® Savings Progressive
#6 22% A Claims Service American Family
#7 20% B Local Agents State Farm
#8 17% A+ SmartRide® Savings Nationwide
#9 16% A++ Bundling Policies Travelers
#10 22% A++ Military Benefits USAA
Before you buy Baxter Springs, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Baxter Springs, Kansas auto insurance quotes.
Liberty Mutual
Pros
- Wide Range of Coverage Options: Liability, collision, and comprehensive coverage are just a few of the many coverage options that Liberty Mutual provides, all of which are designed to satisfy different needs. This selection guarantees that drivers in Baxter Springs, Kansas can locate an insurance that best suits their unique needs and situations.
- Generous Discounts: Residents of Baxter Springs, Kansas, can reduce their insurance costs by taking advantage of a number of discounts offered by Liberty Mutual. These include discounts for adding more vehicles or policyholders, safe driver incentives, and multi-policy savings for combining several insurance kinds.
- Personalized Policy Options: Because of the company’s customized policies, drivers in Baxter Springs, Kansas, can modify the coverage to suit their own requirements. This adaptability guarantees that insurance policies can be customized to meet unique needs and tastes.
Cons
- Restricted Discounts for Older Vehicles: Although Liberty Mutual provides a number of discounts, there may be less incentives available for older automobiles, which could result in increased insurance prices for drivers in Baxter Springs, Kansas who own older vehicles.
- Difficult Policy Options: There is a staggering variety of available coverage options and add-ons. Drivers in Baxter Springs, Kansas could find it difficult to sort through these choices and choose the best policy without doing a lot of study.
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Allstate
Pros
- User-Friendly Digital Tools: Drivers in Baxter Springs, Kansas, may easily manage their insurance policy with the help of Allstate’s mobile app and online resources. Users may track coverage, alter policies, and file claims with ease using these digital resources, which expedites the process and increases convenience.
- Accident Forgiveness: After an initial accident, drivers in Baxter Springs, Kansas, can maintain a stable rate with to Allstate’s accident forgiveness program. By preventing large rate rises, this advantage ensures that policyholders can avoid unforeseen premium hikes and keep a stable insurance cost, giving them financial security and tranquility of mind.
- Roadside Assistance: Roadside assistance, which provides vital support during situations like car breakdowns or flat tires, is included in Allstate’s coverage. This feature is really helpful for drivers in Baxter Springs, Kansas, as it guarantees assistance is easily accessible in the event of unforeseen car problems, improving overall roadside dependability and peace of mind.
Cons
- Increased Rates for High-Risk Drivers: Drivers with an extensive record of accidents or bad history may be subject to increased premiums from Allstate, which may make insurance more expensive for people living in Baxter Springs, Kansas, who fit the high-risk category.
- Unsatisfactory Experiences in Claims Processing: A few Baxter Springs, Kansas clients have expressed dissatisfaction with the company’s claims handling, citing unpleasant delays and problems being resolved.
Farmers
Pros
- Wide-Ranging Coverage Alternatives: Among the many coverage options offered by Farmers are liability, collision, and comprehensive insurance. In order to ensure that their coverage is suited to their unique demands and lifestyle, drivers in Baxter Springs, Kansas, have the ability to modify their plans to suit their own wants and preferences.
- Flexible Payment Plans: A variety of flexible payment choices, such as monthly and quarterly plans, are provided by Farmers to drivers in Baxter Springs, Kansas. By distributing payments over time, these options help people better manage their insurance costs and provide them more choice over their spending and financial planning.
- Digital Tools That Are Easy to Use: Drivers in Baxter Springs, Kansas, have straightforward and easy ways of managing their policies, submitting claims, and monitoring coverage with the Farmers smartphone application and web platform. With the help of these digital solutions, consumers may effectively manage all of their insurance needs at any time, from anywhere.
Cons
- Complex Insurance Selections: Drivers in Baxter Springs, Kansas may find it difficult to choose the best policy without doing a lot of study because there are so many different options for coverage and upgrades available.
- Possible Rate Increases: Following a claim or a traffic infraction, premiums may rise considerably. This could have an impact on Baxter Springs, Kansas drivers’ long-term affordability and necessitate meticulous record-keeping to prevent large rate increases.
Geico
Pros
- Competitive Pricing: Many drivers in Baxter Springs, Kansas, who are searching for affordable insurance options may find Geico’s competitive pricing to be very advantageous. A wide variety of drivers can find alternatives that fit their budgets thanks to their pricing structure, which is made to make insurance more readily available and inexpensive.
- Wide Range of Coverage Options: Geico provides drivers in Baxter Springs, Kansas, with an extensive selection of coverage options, including liability, collision, and comprehensive coverage, so they can choose a policy that precisely matches their individual needs. Each motorist will be able to obtain customized protection that suits their own demands thanks to this wide range.
- 24/7 Customer Support: Geico ensures that drivers in Baxter Springs, Kansas, have access to help whenever they need it with its round-the-clock customer service. This 24/7 accessibility is especially helpful for handling pressing insurance-related difficulties or worries, providing comfort and prompt assistance.
Cons
- Additional Fees for Risky Drivers: High-risk drivers in Baxter Springs, Kansas may find their premiums unaffordable due to Geico’s propensity to increase rates for drivers with a history of accidents or bad credit. This may make finding affordable insurance coverage difficult for people with less than perfect credit histories or driving records.
- Minimal Reductions for Older Vehicles: Older car insurance rates in Baxter Springs, Kansas can be higher because there are typically fewer discounts for drivers of these types of vehicles. Those who own older cars may not experience the same savings that owners of newer vehicles do, which could result in higher prices for them.
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Progressive
Pros
- Competitive Pricing: Progressive is known for offering competitive rates, making it an attractive option for Baxter Springs, Kansas drivers looking for cost-effective insurance solutions. Their pricing structure is designed to provide value for a wide range of drivers.
- Flexible Coverage Options: Progressive provides a variety of coverage options, including liability, collision, and comprehensive coverage. This flexibility allows Baxter Springs, Kansas drivers to tailor their policies to meet their specific needs.
- Numerous Discounts: Progressive offers a broad range of discounts, such as multi-policy discounts, safe driver discounts, and discounts for bundling multiple insurance products. These discounts help Baxter Springs, Kansas residents lower their insurance premiums.
- User-Friendly Digital Tools: Progressive’s mobile app and online platform are designed to be user-friendly, allowing Baxter Springs, Kansas drivers to manage their policies, file claims, and track coverage easily and efficiently.
- Snapshot Program: Progressive’s Snapshot program offers personalized discounts based on driving habits, providing an opportunity for Baxter Springs, Kansas drivers to save on premiums by demonstrating safe driving behaviors.
- Accident Forgiveness: The accident forgiveness feature helps maintain stable premiums after a driver’s first accident, providing financial stability for Baxter Springs, Kansas drivers who want to avoid significant rate increases.
- Strong Customer Service: Progressive is recognized for delivering reliable customer service, with representatives available to assist with policy inquiries, claims processing, and other concerns, enhancing the overall experience for Baxter Springs, Kansas drivers.
Cons
- Higher Rates for High-Risk Drivers: Drivers with poor credit or a history of accidents may face higher premiums with Progressive, potentially impacting the affordability of insurance for Baxter Springs, Kansas residents.
- Limited Discounts for Older Vehicles: Discounts available for older vehicles may be less generous, leading to higher insurance costs for Baxter Springs, Kansas drivers with older cars.
- Complex Policy Options: The variety of coverage options and add-ons can be overwhelming, making it challenging for Baxter Springs, Kansas drivers to select the most appropriate policy without extensive research and comparison.
- Mixed Claims Processing Experiences: Some customers have reported inconsistent experiences with Progressive’s claims processing, including delays and issues with the resolution of claims, which can be frustrating during the claims process for Baxter Springs, Kansas drivers.
- Potential Rate Increases: Premiums may rise significantly following claims or traffic violations, affecting long-term affordability for Baxter Springs, Kansas drivers and requiring careful management of driving records to avoid substantial rate hikes.
American Family
Pros
- Comprehensive Coverage Options: American Family offers a wide range of coverage options, including liability, collision, and comprehensive coverage, ensuring that Baxter Springs, Kansas drivers can find a policy that meets their specific needs.
- Numerous Discounts: The company provides various discounts, such as multi-policy discounts, safe driver discounts, and discounts for bundling multiple insurance products. These opportunities help Baxter Springs, Kansas residents reduce their insurance premiums.
- User-Friendly Digital Tools: American Family’s mobile app and online platform are designed to make policy management, claims filing, and coverage tracking straightforward and accessible for Baxter Springs, Kansas drivers.
- Accident Forgiveness: American Family’s accident forgiveness program helps keep premiums stable after the first accident, providing financial stability for Baxter Springs, Kansas drivers who want to avoid significant rate increases.
- Flexible Payment Options: The company offers flexible payment plans, including monthly and quarterly options, allowing Baxter Springs, Kansas drivers to manage their insurance costs more effectively.
- Strong Customer Service: American Family is known for delivering reliable customer service, with representatives available to assist with policy inquiries, claims processing, and other concerns, enhancing the overall experience for Baxter Springs, Kansas drivers.
- Roadside Assistance: American Family includes roadside assistance with their coverage, offering essential support in emergencies such as breakdowns and flat tires, which can be particularly valuable for Baxter Springs, Kansas drivers.
Cons
- Higher Premiums for High-Risk Drivers: Drivers with poor credit or a history of accidents may face higher premiums with American Family, potentially affecting the affordability of insurance for Baxter Springs, Kansas residents with high-risk profiles.
- Limited Discounts for Older Vehicles: Discounts available for older vehicles may be less substantial, leading to higher insurance costs for Baxter Springs, Kansas drivers who own older cars.
- Complex Policy Options: The variety of coverage options and add-ons can be overwhelming, making it challenging for Baxter Springs, Kansas drivers to select the most appropriate policy without extensive research.
- Mixed Claims Processing Experiences: There have been reports of mixed experiences with American Family’s claims processing, including delays and difficulties in resolving claims efficiently, which can be frustrating during the claims process for Baxter Springs, Kansas drivers.
- Potential Rate Increases: Premiums may rise significantly following claims or traffic violations, affecting long-term affordability for Baxter Springs, Kansas drivers and requiring careful management of driving records to maintain reasonable rates.
State Farm
Pros
- Extensive Coverage Options: State Farm offers a broad range of coverage options, including liability, collision, and comprehensive coverage. This extensive selection ensures that Baxter Springs, Kansas drivers can find a policy that fits their specific needs and preferences.
- Numerous Discounts: State Farm provides a variety of discounts, such as multi-policy discounts, safe driver discounts, and discounts for bundling multiple insurance products. These opportunities help Baxter Springs, Kansas residents lower their insurance premiums.
- Local Agent Network: With a vast network of local agents, State Farm offers personalized service and expert advice. Baxter Springs, Kansas drivers benefit from having direct access to knowledgeable agents who can provide tailored recommendations and support.
- User-Friendly Digital Tools: State Farm’s mobile app and online platform are designed for ease of use, allowing Baxter Springs, Kansas drivers to manage their policies, file claims, and track coverage conveniently.
- Accident Forgiveness: The accident forgiveness feature helps keep premiums stable after the first accident, providing financial stability for Baxter Springs, Kansas drivers who want to avoid significant rate increases.
- Strong Customer Service: State Farm is known for delivering reliable customer service, with representatives available to assist with policy inquiries, claims processing, and other concerns, enhancing the overall experience for Baxter Springs, Kansas drivers.
- Roadside Assistance: State Farm includes roadside assistance in their policies, offering essential support for emergencies such as breakdowns and flat tires, which can be particularly valuable for Baxter Springs, Kansas drivers.
Cons
- Higher Premiums for High-Risk Drivers: Drivers with poor credit or a history of accidents may face higher premiums with State Farm, which could impact the affordability of insurance for Baxter Springs, Kansas residents with high-risk profiles.
- Limited Discounts for Older Vehicles: Discounts for older vehicles may be less substantial, leading to higher insurance costs for Baxter Springs, Kansas drivers who own older cars.
- Complex Policy Options: The range of coverage options and add-ons can be complex, making it challenging for Baxter Springs, Kansas drivers to choose the best policy without extensive research and understanding of the options.
- Mixed Claims Processing Experiences: Some customers have reported inconsistent experiences with State Farm’s claims processing, including delays and difficulties in resolving claims efficiently, which can be frustrating during the claims process for Baxter Springs, Kansas drivers.
- Potential Rate Increases: Premiums may rise significantly following claims or traffic violations, affecting long-term affordability for Baxter Springs, Kansas drivers and requiring careful management of driving records to maintain reasonable rates.
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Nationwide
Pros
- Comprehensive Coverage Options: Nationwide offers a wide range of coverage options, including liability, collision, and comprehensive coverage. This extensive selection ensures that Baxter Springs, Kansas drivers can find a policy that meets their specific needs.
- Numerous Discounts: Nationwide provides various discounts, such as multi-policy discounts, safe driver discounts, and discounts for bundling multiple insurance products. These opportunities help Baxter Springs, Kansas residents lower their insurance premiums.
- User-Friendly Digital Tools: Nationwide’s mobile app and online platform are designed to be user-friendly, allowing Baxter Springs, Kansas drivers to manage their policies, file claims, and track coverage easily and efficiently.
- Accident Forgiveness: Nationwide’s accident forgiveness program helps maintain stable premiums after the first accident, providing financial stability for Baxter Springs, Kansas drivers who want to avoid significant rate increases.
- Strong Customer Service: Nationwide is recognized for delivering reliable customer service, with representatives available to assist with policy inquiries, claims processing, and other concerns, enhancing the overall experience for Baxter Springs, Kansas drivers.
- Roadside Assistance: Nationwide includes roadside assistance with their coverage, offering essential support for emergencies such as breakdowns and flat tires, which can be valuable for Baxter Springs, Kansas drivers.
- Flexible Payment Options: Nationwide offers flexible payment plans, including monthly and quarterly options, allowing Baxter Springs, Kansas drivers to manage their insurance costs more effectively.
Cons
- Higher Premiums for High-Risk Drivers: Drivers with poor credit or a history of accidents may face higher premiums with Nationwide, potentially impacting the affordability of insurance for Baxter Springs, Kansas residents with high-risk profiles.
- Limited Discounts for Older Vehicles: Discounts available for older vehicles may be less generous, leading to higher insurance costs for Baxter Springs, Kansas drivers who own older cars.
- Complex Policy Options: The variety of coverage options and add-ons can be overwhelming, making it challenging for Baxter Springs, Kansas drivers to select the most appropriate policy without extensive research and comparison.
- Mixed Claims Processing Experiences: Some customers have reported inconsistent experiences with Nationwide’s claims processing, including delays and difficulties in resolving claims efficiently, which can be frustrating during the claims process for Baxter Springs, Kansas drivers.
- Potential Rate Increases: Premiums may rise significantly following claims or traffic violations, affecting long-term affordability for Baxter Springs, Kansas drivers and requiring careful management of driving records to avoid substantial rate hikes.
Travelers
Pros
- Budget-Friendly Rates: Travelers stands out for offering some of the most affordable auto insurance premiums in Baxter Springs, Kansas, which makes it a strong option for budget-conscious drivers. This affordability is coupled with competitive pricing strategies that help keep costs manageable for various financial situations.
- Extensive Coverage Options: The company provides a broad spectrum of coverage options, including collision, comprehensive, and liability, ensuring that drivers in Baxter Springs, Kansas can customize their policies to meet their specific needs and preferences.
- Excellent Customer Service: Travelers has garnered positive feedback for its responsive and helpful customer service, which plays a crucial role in managing policies and resolving issues efficiently. Their support team is known for addressing concerns and assisting with claims in a timely manner.
- Adaptable Payment Plans: Travelers offers flexible payment plans that accommodate different financial circumstances, making it easier for policyholders to manage their insurance payments without undue strain. This flexibility helps cater to a wide range of budgeting needs.
- Diverse Discounts: The insurer provides a variety of discounts, such as those for safe driving, bundling multiple policies, and having certain vehicle safety features. These discounts can significantly reduce overall insurance costs for eligible customers.
Cons
- Sparse Local Agent Network: In Baxter Springs, Kansas, Travelers may have a limited number of local agents, which can make obtaining personalized, in-person assistance more challenging. This might affect those who prefer face-to-face interactions with their insurance providers.
- Average Claim Processing Speed: The claims processing time with Travelers may be slower compared to some competitors, which can be frustrating during critical situations where prompt claim resolution is essential.
- Higher Premiums for Risky Drivers: Drivers with a history of accidents or traffic violations might face higher premiums with Travelers, potentially making it less affordable for high-risk individuals. This can lead to increased costs for those with less-than-perfect driving records.
- Restricted Policy Customization: Travelers might offer fewer options for customizing policies compared to some other insurers, which could limit the ability to tailor coverage to specific needs and preferences.
- Inconsistent Coverage Availability: Some coverage options or discounts might not be uniformly available across all areas of Baxter Springs, Kansas, leading to variability in policy offerings depending on location.
USAA
Pros
- Outstanding Customer Service: USAA is renowned for its exceptional customer service, providing highly responsive and supportive assistance to its members in Baxter Springs, Kansas. Their service is known for being attentive and effective, which enhances the overall insurance experience.
- Highly Competitive Rates: Known for delivering some of the most cost-effective auto insurance premiums available, USAA offers competitive rates that make it an attractive choice for eligible members seeking value. Their pricing is particularly advantageous for those who qualify.
- Broad Coverage Choices: USAA provides a wide range of coverage options, including comprehensive, collision, and liability coverage, which ensures that drivers in Baxter Springs, Kansas can find a policy that offers extensive protection tailored to their needs.
- Generous Discount Opportunities: The company offers a range of discounts, such as those for safe driving, multiple vehicles, and military affiliation, which can help reduce premiums and make insurance more affordable. These discounts contribute to significant savings for policyholders.
- Robust Financial Stability: USAA is known for its strong financial stability and reliability, which translates into dependable claim handling and financial security. This robust financial health provides peace of mind for policyholders regarding their coverage and claims.
Cons
- Restricted Eligibility: USAA’s services are limited to military members and their families, which restricts access for the general public in Baxter Springs, Kansas. This exclusivity means that many individuals will not be able to benefit from their offerings.
- Sparse Physical Locations: The company has fewer local offices in Baxter Springs, Kansas, which can make in-person assistance less convenient for those who prefer direct, face-to-face interactions with their insurance provider.
- Online-Only Features: Certain features and services offered by USAA are available only through online channels, which might be inconvenient for customers who prefer or require in-person assistance for managing their insurance.
- Premiums for High-Risk Drivers: Those with a history of traffic violations or accidents may encounter higher premiums with USAA, which could make the insurance less affordable for high-risk drivers. This can affect the cost-effectiveness of their policies for some individuals.
- Complex Policy Options: The array of policy options and discounts available with USAA can be overwhelming, potentially complicating the decision-making process for those unfamiliar with navigating various coverage choices and benefits.
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Minimum Auto Insurance in Baxter Springs, Kansas
Insurance Company Minimum Coverage Full Coverage
Allstate $37 $100
American Family $36 $95
Farmers $39 $105
Geico $30 $82
Liberty Mutual $40 $110
Nationwide $32 $85
Progressive $34 $89
State Farm $35 $90
Travelers $38 $98
USAA $33 $87
Baxter Springs, Kansas auto insurance laws require that you have at least the Kansas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Baxter Springs, Kansas.
Minimum Required Auto Insurance Coverage in Baxter Springs, 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 |
Cheap Baxter Springs, Kansas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Baxter Springs, Kansas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Baxter Springs, 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 | $2,751 | $2,688 | $2,443 | $2,516 | $7,339 | $8,181 | $2,850 | $2,966 |
| American Family | $1,724 | $1,724 | $1,556 | $1,556 | $3,322 | $3,982 | $1,724 | $1,936 |
| Farmers | $2,551 | $2,535 | $2,281 | $2,380 | $6,812 | $7,054 | $2,868 | $3,019 |
| Geico | $2,420 | $2,366 | $2,443 | $2,273 | $4,439 | $5,960 | $2,802 | $2,038 |
| Liberty Mutual | $2,380 | $2,574 | $2,267 | $2,531 | $10,904 | $12,184 | $2,608 | $2,824 |
| Nationwide | $1,830 | $1,888 | $1,627 | $1,756 | $3,743 | $4,595 | $2,126 | $2,265 |
| Progressive | $2,518 | $2,403 | $2,031 | $2,117 | $9,178 | $10,361 | $2,971 | $3,183 |
| State Farm | $1,846 | $1,846 | $1,614 | $1,614 | $4,883 | $6,231 | $2,073 | $2,340 |
| Travelers | $2,098 | $2,134 | $2,043 | $2,069 | $8,427 | $13,104 | $2,145 | $2,531 |
| USAA | $1,437 | $1,469 | $1,313 | $1,333 | $4,807 | $5,062 | $1,895 | $1,989 |
Cheap Baxter Springs, Kansas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Baxter Springs, Kansas is a challenge. Take a look at the annual teen auto insurance rates in Baxter Springs, Kansas.
Annual Auto Insurance Rates for Teen Drivers in Baxter Springs, Kansas
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,339 | $8,181 |
| American Family | $3,322 | $3,982 |
| Farmers | $6,812 | $7,054 |
| Geico | $4,439 | $5,960 |
| Liberty Mutual | $10,904 | $12,184 |
| Nationwide | $3,743 | $4,595 |
| Progressive | $9,178 | $10,361 |
| State Farm | $4,883 | $6,231 |
| Travelers | $8,427 | $13,104 |
| USAA | $4,807 | $5,062 |
Cheap Baxter Springs, Kansas Auto Insurance for Seniors
What are senior auto insurance rates in Baxter Springs, Kansas? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Baxter Springs, Kansas
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,443 | $2,516 |
| American Family | $1,556 | $1,556 |
| Farmers | $2,281 | $2,380 |
| Geico | $2,443 | $2,273 |
| Liberty Mutual | $2,267 | $2,531 |
| Nationwide | $1,627 | $1,756 |
| Progressive | $2,031 | $2,117 |
| State Farm | $1,614 | $1,614 |
| Travelers | $2,043 | $2,069 |
| USAA | $1,313 | $1,333 |
Cheap Baxter Springs, Kansas Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Baxter Springs, Kansas compared to the annual auto insurance rates with a clean record in Baxter Springs, Kansas.
Annual Baxter Springs, Kansas Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,437 | $3,999 | $4,588 | $3,843 |
| American Family | $2,153 | $2,303 | $2,153 | $2,153 |
| Farmers | $3,113 | $3,996 | $3,895 | $3,747 |
| Geico | $1,946 | $3,187 | $4,922 | $2,316 |
| Liberty Mutual | $3,617 | $5,420 | $5,327 | $4,771 |
| Nationwide | $1,860 | $2,141 | $3,785 | $2,130 |
| Progressive | $4,013 | $4,696 | $4,191 | $4,480 |
| State Farm | $2,605 | $3,006 | $2,806 | $2,806 |
| Travelers | $3,148 | $4,103 | $5,661 | $4,363 |
| USAA | $1,765 | $2,373 | $3,494 | $2,020 |
Cheap Baxter Springs, Kansas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Baxter Springs, Kansas is not easy. Compare the annual rates for DUI auto insurance in Baxter Springs, Kansas to find the best deal.
Annual Auto Insurance Rates After a DUI in Baxter Springs, Kansas
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,588 |
| American Family | $2,153 |
| Farmers | $3,895 |
| Geico | $4,922 |
| Liberty Mutual | $5,327 |
| Nationwide | $3,785 |
| Progressive | $4,191 |
| State Farm | $2,806 |
| Travelers | $5,661 |
| USAA | $3,494 |
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Cheap Baxter Springs, Kansas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Baxter Springs, Kansas annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Baxter Springs, Kansas
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,921 | $3,728 | $3,252 |
| American Family | $2,860 | $2,025 | $1,687 |
| Farmers | $4,348 | $3,455 | $3,260 |
| Geico | $4,806 | $2,542 | $1,930 |
| Liberty Mutual | $4,784 | $4,784 | $4,784 |
| Nationwide | $2,753 | $2,424 | $2,259 |
| Progressive | $4,990 | $4,184 | $3,862 |
| State Farm | $4,086 | $2,441 | $1,891 |
| Travelers | $4,996 | $4,061 | $3,899 |
| USAA | $3,299 | $2,163 | $1,778 |
Cheap Baxter Springs, Kansas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Baxter Springs, Kansas can vary. Compare the annual cost of auto insurance by ZIP code in Baxter Springs, Kansas to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Baxter Springs, Kansas
| ZIP Code | Average Annual Rates |
|---|---|
| 66713 | $3,592 |
Cheap Baxter Springs, Kansas Auto Insurance Rates By Commute
Commute length and annual mileage affect Baxter Springs, Kansas auto insurance. Find the cheapest annual Baxter Springs, Kansas auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Baxter Springs, Kansas
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,967 | $3,967 |
| American Family | $2,162 | $2,219 |
| Farmers | $3,688 | $3,688 |
| Geico | $3,027 | $3,159 |
| Liberty Mutual | $4,784 | $4,784 |
| Nationwide | $2,479 | $2,479 |
| Progressive | $4,345 | $4,345 |
| State Farm | $2,736 | $2,876 |
| Travelers | $4,319 | $4,319 |
| USAA | $2,341 | $2,485 |
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Cheap Baxter Springs, Kansas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Baxter Springs, Kansas? Check out the comparison of annual Baxter Springs, Kansas auto insurance rates by coverage level.
Liberty Mutual's flexibility in coverage and attractive pricing positions it as a leading option for drivers in Baxter Springs looking for both quality and affordability.Travis Thompson Licensed Insurance Agent
Best By Category: Cheapest Auto Insurance in Baxter Springs, Kansas
Compare the cheapest auto insurance companies in Baxter Springs, Kansas in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Baxter Springs, 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 |
The Cheapest Baxter Springs, Kansas Auto Insurance Companies
What auto insurance companies in Baxter Springs, Kansas are the cheapest? Compare the top Baxter Springs, Kansas auto insurance companies to find the best annual rates.
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What affects auto insurance rates in Baxter Springs, Kansas?
There are a lot of reasons why auto insurance rates in Baxter Springs, Kansas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Baxter Springs, Kansas. Many local factors may affect your Baxter Springs auto insurance rates.
Baxter Springs Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Baxter Springs, Kansas auto theft statistics, there have been 8 auto thefts in the city.
Baxter Springs Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Baxter Springs, Kansas commute length is 19.3 minutes according to City-Data.
Compare Baxter Springs, Kansas Auto Insurance Quotes
Before you buy Baxter Springs, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Baxter Springs, Kansas auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Baxter Springs, KS?
Yes, auto insurance is mandatory in Baxter Springs, KS, as it is in the rest of Kansas. All drivers are required to carry a minimum level of liability insurance coverage to legally operate a motor vehicle in the state.
What are the minimum auto insurance requirements in Baxter Springs, KS?
The minimum auto insurance requirements in Baxter Springs, KS, and throughout Kansas are as follows:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Can I choose additional coverage beyond the minimum requirements?
Yes, in addition to the minimum requirements, you have the option to purchase additional coverage to enhance your protection. Common additional coverages include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage.
What factors can affect auto insurance rates in Baxter Springs, KS?
Several factors can influence your auto insurance rates in Baxter Springs, KS, including:
- Driving record: Your history of accidents, traffic violations, and claims can impact your premiums.
- Age and gender: Younger and less experienced drivers typically have higher rates, and males may be considered higher risk compared to females in certain age groups.
- Vehicle type: The make, model, year, and value of your vehicle can affect your insurance rates.
- Location: Factors such as the frequency of accidents and the crime rate in your area can impact premiums.
- Credit history: In Kansas, insurers may use credit-based insurance scores as a factor in determining rates.
- Coverage options: The coverage limits, deductibles, and additional coverages you choose will affect the cost of your insurance.
Are there any specific insurance requirements related to severe weather in Baxter Springs, KS?
Baxter Springs, KS, is located in an area that experiences severe weather conditions such as tornadoes and hailstorms. While auto insurance policies generally don’t have specific requirements related to weather conditions, comprehensive coverage can help protect your vehicle from damage caused by severe weather events.
Can I qualify for any discounts on auto insurance in Baxter Springs, KS?
Yes, insurance providers often offer various discounts. Common discounts include safe driver discounts, good student discounts, multi-policy discounts (bundling auto insurance with other policies), and discounts for safety features in your vehicle. Ask insurance providers about available discounts and eligibility criteria.
How can I find affordable auto insurance in Baxter Springs, KS?
To find affordable auto insurance in Baxter Springs, KS, consider the following steps:
- Shop around: Obtain quotes from multiple insurance companies to compare prices and coverage options. Enter your ZIP code into our free online quote tool to obtain rates from several top-rated insurance providers.
- Review coverage: Ensure that you have the coverage you need without overpaying for unnecessary extras.
- Increase deductibles: Opting for higher deductibles can lower your premiums, but choose an amount you can comfortably afford in case of a claim.
- Ask about discounts: Inquire about available discounts and take advantage of those you qualify for.
- Maintain a good driving record: Safe driving habits and avoiding accidents and traffic violations can help keep your rates lower over time.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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