Who Has The Cheapest Motorcycle Insurance Quotes In Kansas?

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Kansas is one of the most productive agricultural states, and has an economy that also includes livestock, petroleum and other industries. Its four seasons and long open roads make it a pleasant place for riding, so we gathered motorcycle insurance quotes from four major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our study showed the most expensive place for the sample policy was 43.3% higher than the cost of the place with the cheapest motorcycle insurance in Kansas.

Cheapest Motorcycle Insurance In Kansas

Our study of motorcycle insurance rates in Kansas found Nationwide had the best rates for our sample policy and a typical rider; an average annual rate of $258. GEICO also had a low rate, at $292.

A ValuePenguin study of motorcycle insurance carriers in Kansas showed NAtionwide had the most affordable quotes for a sample policy and rider.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Dairyland and Progressive both had motorcycle insurance rates that were substantially more expensive than Nationwide, GEICO or the Kansas average. Dairyland's average annual rate for our sample policy and rider was $585 and Progressive's was $594. Progressive's average annual rate for the sample policy and rider was more than 2.3x Nationwide's.

Best Motorcycle Insurance Rates In Kansas: By City

The five places with the best motorcycle insurance rates in Kansas are located near the southwest corner of the state. They also all have at least 20,000 residents. Three of the cities were tied for having the best rates in Kansas -- Garden City, Dodge City and Liberal –- where premiums were 17% lower than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Garden City $358 -17%
2 Dodge City 358 -17%
3 Liberal 358 -17%
4 Derby 383 -11%
5 Hays 397 -8%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Garden City, KS

The place in Kansas with the best motorcycle insurance rates was Garden City. When a railroad stop was established in the city in the late 19th century, the town’s local economy took off. It has a population of roughly 27,000 residents who enjoy a community center, outdoor pursuits and the Lee Richardson Zoo. Premiums for our sample motorcycle insurance policy were 17% lower than the Kansas average.

Dodge City, KS

Motorcycle insurance rates for our sample policy in Dodge City also were 17% lower than the state average, which places Dodge City with some of the most affordable motorcycle insurance in Kansas. The city got its name from the nearby Fort Dodge and is a notorious Old West town. Amongst other industries, the meat packing industry is an important part of the Dodge City economy.

Liberal, KS

Liberal is a city in southwest Kansas with about 20,000 residents. Like most of Kansas, its economy is centered on energy and agriculture. It is home the Mid-America Air Museum, which is one of the largest collections of aircraft in the U.S. and a semi-professional baseball team, the Liberal Bee Jays. Motorcycle insurance rates in Liberal are 17% lower than the Kansas average.

Derby, KS

Located in Sedgwick County, the city of Derby has more than 22,000 residents and a number of local attractions. It has a large skate park, a water park and a historical museum. There also are a number of businesses of various sizes, including Mid Continent Controls, which manufactures electronics and entertainment systems for airline cabins. Our sample motorcycle rider found his fourth lowest motorcycle insurance rates in Derby, which was 11% lower than the state average.

Hays, KS

The seat of Ellis County has approximately 20,000 residents and is one of the largest economic and cultural centers in the northern region of Kansas. It also is the home of Fort Hays State University. The German American culture has a strong presence in Hays, too. Motorcycle insurance rates in Hays were 8% lower than the state average, which rounds out the five places with the cheapest motorcycle insurance in Kansas.

Most Expensive Motorcycle Insurance in Kansas

The five places with the most expensive motorcycle insurance in Kansas are all adjacent to or include two of the state’s largest cities –- Wichita and Kansas City. The city with the least affordable premiums was Kansas City, where rates for our sample motorcycle insurance policy were 19% higher than the state average. 

RankCityAverage Annual Rate% Difference vs State Average
1 Kansas City $513 19%
2 Wichita 504 17%
3 Overland Park 495 15%
4 Shawnee 495 15%
5 Lenexa 495 15%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Kansas City, KS

We found the most expensive motorcycle insurance rates in Kansas at Kansas City. Like its urban center across the Kansas and Missouri Rivers, it is a place with numerous parks and a long history of importance in the Midwest. It has more than 145,000 residents and is part of a metropolitan area with about 2.4 million. Quotes for our sample motorcycle insurance policy were 19% higher than the Kansas average.

Wichita, KS

Wichita is the largest city in the state of Kansas, with more than 382,000 residents. It also is the largest municipality in its metropolitan area, which has a population of more than 640,000. It is known as “The Air Capital of the World” because of the large number of aircraft designers and manufacturers that operate there. Motorcycle insurance premiums in Wichita are 17% higher than the state average.

Overland Park, KS

The second most-populous city in Kansas is Overland Park, which is a suburb of Kansas City. It has more than 173,000 residents and is home to a number of large companies, including Sprint, Netsmart and YRC Worldwide. Motorcycle insurance premiums in Overland Park are some of the least affordable in Kansas. Rates for our sample policy were 15% higher than the state average.

Shawnee, KS

Shawnee also is part of the Kansas City Metropolitan Area. About 62,000 residents call the city home, which is the location of a number of schools an a bedroom community to many to work in the neighboring cities. Motorcycle insurance rates in Shawnee are 15% higher than the Kansas average.

Lenexa, KS

Lenexa is another city with expensive motorcycle insurance rates that also is part of the Kansas City Metropolitan Area. About 48,000 people live in the city, where some of the largest employers include the U.S. postal service and Quest Diagnostics. Motorcycle insurance rates in Lenexa ranked among some of the highest in our state study, with rates that were 15% greater than the state average.

Average Motorcycle Insurance Rates In Kansas: By City

This comparative study of motorcycle insurance premiums in Kansas was done by gathering and analyzing quotes from five major carriers across 22 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were 43.3% more than the cheapest.

A study by ValuePenguin found the average cost of motorcycle insurance for a sample rider and policy was $432 in Kansas.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 22 municipalities and census-designated places in the state of Kansas. The quotes we gathered were from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500. The motorcycle used when gathering quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
4 Derby $383 -11%
2 Dodge City 358 -17%
11 Emporia 420 -3%
1 Garden City 358 -17%
5 Hays 397 -8%
7 Hutchinson 411 -5%
15 Junction City 435 1%
Kansas Average 432 0%
22 Kansas City 513 19%
9 Lawrence 420 -3%
10 Leavenworth 420 -3%
19 Leawood 495 15%
18 Lenexa 495 15%
3 Liberal 358 -17%
14 Manhattan 435 1%
8 Olathe 420 -3%
16 Overland Park 495 15%
12 Pittsburg 420 -3%
20 Prairie Village 495 15%
6 Salina 411 -5%
17 Shawnee 495 15%
13 Topeka 435 1%
21 Wichita 504 17%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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