Best Cheap Auto Insurance in Oberlin, KS (2021)

The average Oberlin, KS auto insurance rates are $288 per month. The minimum auto insurance in Oberlin is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Oberlin, 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 cheapest auto insurance company in Oberlin is American Family
  • The average commute length in Oberlin is 15.3 minutes
  • The minimum auto insurance required in Oberlin, Kansas is 25/50/25

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

Compare auto insurance in Oberlin to other Kansas cities, including Overland Park auto insurance rates, Olathe auto insurance rates, and Kansas City auto insurance rates to see how Oberlin, Kansas auto insurance rates stack up.

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

Minimum Auto Insurance in Oberlin, Kansas

Oberlin, 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 Oberlin, Kansas.

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

Auto insurance rates in Oberlin, 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 Oberlin, 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 $2,609 $2,573 $2,295 $2,368 $6,563 $7,251 $2,741 $2,868
American Family $1,742 $1,742 $1,570 $1,570 $3,229 $3,848 $1,742 $1,940
Farmers $2,543 $2,530 $2,278 $2,371 $6,542 $6,773 $2,852 $3,009
GEICO $3,117 $3,051 $3,138 $2,920 $5,374 $7,167 $3,471 $2,634
Liberty Mutual $2,424 $2,624 $2,281 $2,547 $10,604 $11,854 $2,678 $2,904
Nationwide $1,968 $2,049 $1,736 $1,892 $3,622 $4,488 $2,230 $2,389
Progressive $2,264 $2,165 $1,822 $1,899 $8,036 $9,058 $2,661 $2,837
State Farm $2,100 $2,100 $1,796 $1,796 $4,951 $6,396 $2,346 $2,614
Travelers $2,232 $2,280 $2,135 $2,174 $8,644 $13,530 $2,275 $2,748
USAA $1,573 $1,621 $1,424 $1,461 $4,983 $5,299 $2,065 $2,192

Cheap Oberlin, Kansas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Oberlin, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,563 $7,251
American Family $3,229 $3,848
Farmers $6,542 $6,773
GEICO $5,374 $7,167
Liberty Mutual $10,604 $11,854
Nationwide $3,622 $4,488
Progressive $8,036 $9,058
State Farm $4,951 $6,396
Travelers $8,644 $13,530
USAA $4,983 $5,299

Cheap Oberlin, Kansas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Oberlin, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,295 $2,368
American Family $1,570 $1,570
Farmers $2,278 $2,371
GEICO $3,138 $2,920
Liberty Mutual $2,281 $2,547
Nationwide $1,736 $1,892
Progressive $1,822 $1,899
State Farm $1,796 $1,796
Travelers $2,135 $2,174
USAA $1,424 $1,461

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

Annual Oberlin, Kansas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,205 $3,706 $4,176 $3,548
American Family $2,135 $2,285 $2,135 $2,135
Farmers $3,056 $3,907 $3,809 $3,676
GEICO $2,397 $3,972 $6,215 $2,851
Liberty Mutual $3,610 $5,352 $5,262 $4,733
Nationwide $1,871 $2,171 $3,976 $2,169
Progressive $3,555 $4,144 $3,707 $3,966
State Farm $2,838 $3,187 $3,012 $3,012
Travelers $3,327 $4,289 $5,859 $4,534
USAA $1,897 $2,529 $3,713 $2,170

Cheap Oberlin, Kansas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Oberlin, Kansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,176
American Family $2,135
Farmers $3,809
GEICO $6,215
Liberty Mutual $5,262
Nationwide $3,976
Progressive $3,707
State Farm $3,012
Travelers $5,859
USAA $3,713

Cheap Oberlin, Kansas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Oberlin, Kansas

Insurance Company Poor Fair Good
Allstate $4,541 $3,431 $3,004
American Family $2,834 $2,014 $1,670
Farmers $4,268 $3,379 $3,190
GEICO $5,995 $3,174 $2,408
Liberty Mutual $4,739 $4,739 $4,739
Nationwide $2,858 $2,473 $2,310
Progressive $4,431 $3,696 $3,402
State Farm $4,387 $2,621 $2,029
Travelers $5,223 $4,226 $4,057
USAA $3,553 $2,300 $1,879

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Cheap Oberlin, Kansas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Oberlin, Kansas

ZIP Code Average Annual Rates
67749 $3,575

Cheap Oberlin, Kansas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Oberlin, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,659 $3,659
American Family $2,144 $2,201
Farmers $3,612 $3,612
GEICO $3,773 $3,945
Liberty Mutual $4,739 $4,739
Nationwide $2,547 $2,547
Progressive $3,843 $3,843
State Farm $2,938 $3,087
Travelers $4,502 $4,502
USAA $2,500 $2,655

Cheap Oberlin, Kansas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Oberlin, Kansas

Insurance Company Low Medium High
Allstate $3,572 $3,651 $3,752
American Family $2,205 $2,283 $2,030
Farmers $3,482 $3,595 $3,760
GEICO $3,772 $3,855 $3,949
Liberty Mutual $4,636 $4,729 $4,853
Nationwide $2,699 $2,516 $2,426
Progressive $3,659 $3,815 $4,055
State Farm $2,930 $3,019 $3,088
Travelers $4,297 $4,508 $4,702
USAA $2,515 $2,573 $2,644

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Best By Category: Cheapest Auto Insurance in Oberlin, Kansas

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

Best Annual Auto Insurance Rates by Company in Oberlin, 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 American Family

The Cheapest Oberlin, Kansas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Oberlin, Kansas

Insurance Company Average Annual Rates
Allstate $3,659
American Family $2,173
Farmers $3,612
GEICO $3,859
Liberty Mutual $4,739
Nationwide $2,547
Progressive $3,843
State Farm $3,012
Travelers $4,502
USAA $2,577

What affects auto insurance rates in Oberlin, Kansas?

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

Oberlin Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Oberlin, Kansas auto theft statistics, there have been 0 auto thefts in the city.

Oberlin Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oberlin, Kansas commute length is 15.3 minutes according to City-Data.

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Compare Oberlin, Kansas Auto Insurance Quotes

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