Best Cheap Auto Insurance in Clearwater, KS (2021)

The average Clearwater, KS auto insurance rates are $288 per month. The minimum auto insurance in Clearwater is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Clearwater, Kansas, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Clearwater, Kansas is 25/50/25
  • The average commute length in Clearwater is 24.1 minutes
  • The cheapest auto insurance company in Clearwater is American Family

Clearwater, Kansas auto insurance requirements are 25/50/25 according to Kansas auto insurance laws. Finding cheap auto insurance in Clearwater can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Clearwater, Kansas, including driving record, credit, commute time, and more.

Compare auto insurance in Clearwater to other Kansas cities, including Kansas City auto insurance rates, Wichita auto insurance rates, and Lawrence auto insurance rates to see how Clearwater, Kansas auto insurance rates stack up.

Before you buy Clearwater, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Clearwater, Kansas auto insurance quotes.

Minimum Auto Insurance in Clearwater, Kansas

Clearwater, 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 Clearwater, Kansas.

Minimum Required Auto Insurance Coverage in Clearwater, 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

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Cheap Clearwater, Kansas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Clearwater, 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 Clearwater, 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 $2,688 $2,594 $2,425 $2,491 $7,755 $8,735 $2,729 $2,809
American Family $1,687 $1,687 $1,526 $1,526 $3,354 $4,050 $1,687 $1,903
Farmers $2,640 $2,617 $2,350 $2,463 $7,523 $7,795 $2,978 $3,122
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,284 $2,465 $2,186 $2,438 $10,718 $11,962 $2,487 $2,688
Nationwide $1,809 $1,860 $1,612 $1,735 $3,816 $4,662 $2,117 $2,251
Progressive $2,483 $2,354 $2,004 $2,092 $9,344 $10,527 $2,931 $3,144
State Farm $1,913 $1,913 $1,709 $1,709 $5,580 $7,059 $2,161 $2,463
Travelers $2,049 $2,084 $1,996 $2,021 $8,261 $12,871 $2,097 $2,472
USAA $1,483 $1,499 $1,369 $1,368 $5,341 $5,562 $1,974 $2,041

Cheap Clearwater, Kansas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Clearwater, Kansas is a challenge. Take a look at the annual teen auto insurance rates in Clearwater, Kansas.

Annual Auto Insurance Rates for Teen Drivers in Clearwater, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,755 $8,735
American Family $3,354 $4,050
Farmers $7,523 $7,795
GEICO $4,439 $5,960
Liberty Mutual $10,718 $11,962
Nationwide $3,816 $4,662
Progressive $9,344 $10,527
State Farm $5,580 $7,059
Travelers $8,261 $12,871
USAA $5,341 $5,562

Cheap Clearwater, Kansas Auto Insurance for Seniors

What are senior auto insurance rates in Clearwater, Kansas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Clearwater, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,425 $2,491
American Family $1,526 $1,526
Farmers $2,350 $2,463
GEICO $2,443 $2,273
Liberty Mutual $2,186 $2,438
Nationwide $1,612 $1,735
Progressive $2,004 $2,092
State Farm $1,709 $1,709
Travelers $1,996 $2,021
USAA $1,369 $1,368

Cheap Clearwater, 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 Clearwater, Kansas compared to the annual auto insurance rates with a clean record in Clearwater, Kansas.

Annual Clearwater, Kansas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,445 $4,032 $4,736 $3,901
American Family $2,140 $2,290 $2,140 $2,140
Farmers $3,310 $4,278 $4,169 $3,987
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,495 $5,287 $5,188 $4,643
Nationwide $1,873 $2,151 $3,768 $2,138
Progressive $4,020 $4,723 $4,208 $4,489
State Farm $2,810 $3,317 $3,063 $3,063
Travelers $3,085 $4,022 $5,545 $4,273
USAA $1,876 $2,550 $3,739 $2,154

Cheap Clearwater, Kansas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Clearwater, Kansas is not easy. Compare the annual rates for DUI auto insurance in Clearwater, Kansas to find the best deal.

Annual Auto Insurance Rates After a DUI in Clearwater, Kansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,736
American Family $2,140
Farmers $4,169
GEICO $4,922
Liberty Mutual $5,188
Nationwide $3,768
Progressive $4,208
State Farm $3,063
Travelers $5,545
USAA $3,739

Cheap Clearwater, Kansas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Clearwater, Kansas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Clearwater, Kansas

Insurance Company Poor Fair Good
Allstate $4,981 $3,802 $3,302
American Family $2,845 $2,008 $1,679
Farmers $4,625 $3,698 $3,485
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,653 $4,653 $4,653
Nationwide $2,748 $2,433 $2,267
Progressive $4,986 $4,204 $3,890
State Farm $4,461 $2,665 $2,063
Travelers $4,892 $3,980 $3,822
USAA $3,506 $2,319 $1,914

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Cheap Clearwater, Kansas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Clearwater, Kansas can vary. Compare the annual cost of auto insurance by ZIP code in Clearwater, Kansas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Clearwater, Kansas

ZIP Code Average Annual Rates
67026 $3,666

Cheap Clearwater, Kansas Auto Insurance Rates By Commute

Commute length and annual mileage affect Clearwater, Kansas auto insurance. Find the cheapest annual Clearwater, Kansas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Clearwater, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,028 $4,028
American Family $2,150 $2,205
Farmers $3,936 $3,936
GEICO $3,027 $3,159
Liberty Mutual $4,653 $4,653
Nationwide $2,483 $2,483
Progressive $4,360 $4,360
State Farm $2,985 $3,141
Travelers $4,231 $4,231
USAA $2,506 $2,653

Cheap Clearwater, Kansas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Clearwater, Kansas? Check out the comparison of annual Clearwater, Kansas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Clearwater, Kansas

Insurance Company Low Medium High
Allstate $3,896 $4,019 $4,170
American Family $2,188 $2,287 $2,057
Farmers $3,747 $3,908 $4,152
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,550 $4,643 $4,767
Nationwide $2,609 $2,456 $2,383
Progressive $4,118 $4,325 $4,637
State Farm $2,930 $3,073 $3,186
Travelers $4,018 $4,237 $4,439
USAA $2,478 $2,572 $2,689

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Best By Category: Cheapest Auto Insurance in Clearwater, Kansas

Compare the cheapest auto insurance companies in Clearwater, Kansas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Clearwater, Kansas

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

The Cheapest Clearwater, Kansas Auto Insurance Companies

What auto insurance companies in Clearwater, Kansas are the cheapest? Compare the top Clearwater, Kansas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Clearwater, Kansas

Insurance Company Average Annual Rates
Allstate $4,028
American Family $2,177
Farmers $3,936
GEICO $3,093
Liberty Mutual $4,653
Nationwide $2,483
Progressive $4,360
State Farm $3,063
Travelers $4,231
USAA $2,580

What affects auto insurance rates in Clearwater, Kansas?

There are a lot of reasons why auto insurance rates in Clearwater, Kansas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Clearwater, Kansas. Many local factors may affect your Clearwater auto insurance rates.

Clearwater Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Clearwater, Kansas auto theft statistics, there have been 2 auto thefts in the city.

Clearwater Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Clearwater, Kansas commute length is 24.1 minutes according to City-Data.

Clearwater Traffic

How does Clearwater, Kansas rank for traffic? According to Inrix Clearwater, Kansas is the 810th most congested worldwide.

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Compare Clearwater, Kansas Auto Insurance Quotes

Before you buy Clearwater, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Clearwater, Kansas auto insurance quotes.

Free Auto Insurance Comparison

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

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