Best Cheap Auto Insurance in Effingham, KS (2021)

The average Effingham, KS auto insurance rates are $276 per month. The minimum auto insurance in Effingham is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Effingham, 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: Jul 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Effingham for teen drivers is Liberty Mutual
  • Average auto insurance rates in Effingham, KS for senior drivers are $1,922 per year
  • The average commute length in Effingham is 26.3 minutes

Effingham, Kansas auto insurance requirements are 25/50/25 according to Kansas auto insurance laws. Finding cheap auto insurance in Effingham 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 Effingham, Kansas, including driving record, credit, commute time, and more.

Compare auto insurance in Effingham to other Kansas cities, including Shawnee auto insurance rates, Manhattan auto insurance rates, and Salina auto insurance rates to see how Effingham, Kansas auto insurance rates stack up.

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

Minimum Auto Insurance in Effingham, Kansas

Effingham, 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 Effingham, Kansas.

Minimum Required Auto Insurance Coverage in Effingham, 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 Effingham, Kansas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Effingham, 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 Effingham, 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 $1,721 $1,721 $1,554 $1,554 $3,366 $4,051 $1,721 $1,937
Farmers $2,496 $2,483 $2,232 $2,327 $6,660 $6,904 $2,810 $2,963
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,201 $2,377 $2,109 $2,352 $10,313 $11,512 $2,397 $2,592
Nationwide $1,744 $1,793 $1,555 $1,672 $3,678 $4,498 $2,041 $2,169
Progressive $2,416 $2,301 $1,945 $2,032 $8,978 $10,139 $2,860 $3,076
State Farm $1,808 $1,808 $1,594 $1,594 $4,971 $6,319 $2,036 $2,307
Travelers $2,004 $2,039 $1,956 $1,980 $8,114 $12,665 $2,051 $2,414
USAA $1,327 $1,347 $1,220 $1,225 $4,615 $4,827 $1,755 $1,825

Cheap Effingham, Kansas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Effingham, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,265 $8,136
American Family $3,366 $4,051
Farmers $6,660 $6,904
GEICO $4,439 $5,960
Liberty Mutual $10,313 $11,512
Nationwide $3,678 $4,498
Progressive $8,978 $10,139
State Farm $4,971 $6,319
Travelers $8,114 $12,665
USAA $4,615 $4,827

Cheap Effingham, Kansas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Effingham, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,371 $2,441
American Family $1,554 $1,554
Farmers $2,232 $2,327
GEICO $2,443 $2,273
Liberty Mutual $2,109 $2,352
Nationwide $1,555 $1,672
Progressive $1,945 $2,032
State Farm $1,594 $1,594
Travelers $1,956 $1,980
USAA $1,220 $1,225

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

Annual Effingham, Kansas Auto 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 $2,166 $2,316 $2,166 $2,166
Farmers $3,047 $3,910 $3,811 $3,669
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,370 $5,089 $4,997 $4,470
Nationwide $1,810 $2,076 $3,625 $2,064
Progressive $3,899 $4,554 $4,072 $4,348
State Farm $2,592 $3,018 $2,805 $2,805
Travelers $3,024 $3,946 $5,445 $4,196
USAA $1,656 $2,239 $3,278 $1,898

Cheap Effingham, Kansas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Effingham, Kansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,515
American Family $2,166
Farmers $3,811
GEICO $4,922
Liberty Mutual $4,997
Nationwide $3,625
Progressive $4,072
State Farm $2,805
Travelers $5,445
USAA $3,278

Cheap Effingham, Kansas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Effingham, Kansas

Insurance Company Poor Fair Good
Allstate $4,804 $3,653 $3,183
American Family $2,877 $2,034 $1,698
Farmers $4,253 $3,382 $3,192
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,482 $4,482 $4,482
Nationwide $2,650 $2,346 $2,185
Progressive $4,833 $4,065 $3,757
State Farm $4,084 $2,440 $1,890
Travelers $4,799 $3,907 $3,752
USAA $3,093 $2,035 $1,675

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Cheap Effingham, Kansas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Effingham, Kansas

ZIP Code Average Annual Rates
66023 $3,491

Cheap Effingham, Kansas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Effingham, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,880 $3,880
American Family $2,175 $2,231
Farmers $3,609 $3,609
GEICO $3,027 $3,159
Liberty Mutual $4,482 $4,482
Nationwide $2,394 $2,394
Progressive $4,218 $4,218
State Farm $2,735 $2,875
Travelers $4,153 $4,153
USAA $2,203 $2,333

Cheap Effingham, Kansas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Effingham, Kansas

Insurance Company Low Medium High
Allstate $3,772 $3,872 $3,997
American Family $2,220 $2,314 $2,075
Farmers $3,467 $3,590 $3,771
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,374 $4,471 $4,600
Nationwide $2,514 $2,367 $2,300
Progressive $3,986 $4,186 $4,483
State Farm $2,697 $2,813 $2,905
Travelers $3,934 $4,158 $4,367
USAA $2,191 $2,262 $2,350

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Best By Category: Cheapest Auto Insurance in Effingham, Kansas

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

Best Annual Auto Insurance Rates by Company in Effingham, 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 Effingham, Kansas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Effingham, Kansas

Insurance Company Average Annual Rates
Allstate $3,880
American Family $2,203
Farmers $3,609
GEICO $3,093
Liberty Mutual $4,482
Nationwide $2,394
Progressive $4,218
State Farm $2,805
Travelers $4,153
USAA $2,268

What affects auto insurance rates in Effingham, Kansas?

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

Effingham Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Effingham, Kansas commute length is 26.3 minutes according to City-Data.

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Compare Effingham, Kansas Auto Insurance Quotes

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