Best Cheap Auto Insurance in Emporia, KS (2021)

The average Emporia, KS auto insurance rates are $273 per month. The minimum auto insurance in Emporia is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Emporia, 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

  • Average auto insurance rates in Emporia, KS for senior drivers are $1,888 per year
  • The most expensive auto insurance company in Emporia for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in Emporia is American Family

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

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

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

Minimum Auto Insurance in Emporia, Kansas

Emporia, 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 Emporia, Kansas.

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

Auto insurance rates in Emporia, 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 Emporia, 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 $2,921 $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

Cheap Emporia, Kansas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Emporia, Kansas

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

Cheap Emporia, Kansas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Emporia, Kansas

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

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

Annual Emporia, Kansas Auto Insurance Rates by Driving Record

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

Cheap Emporia, Kansas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Emporia, Kansas

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

Cheap Emporia, Kansas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Emporia, Kansas

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

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Cheap Emporia, Kansas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Emporia, Kansas

ZIP Code Average Annual Rates
66801 $3,480

Cheap Emporia, Kansas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Emporia, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Emporia, Kansas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Emporia, Kansas

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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Best By Category: Cheapest Auto Insurance in Emporia, Kansas

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

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

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

Average Annual Auto Insurance Rates by Company in Emporia, Kansas

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 auto insurance rates in Emporia, Kansas?

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

Emporia Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Emporia, Kansas auto theft statistics, there have been 12 auto thefts in the city.

Emporia Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Emporia, Kansas commute length is 12.8 minutes according to City-Data.

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Compare Emporia, Kansas Auto Insurance Quotes

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