How Cities in Kansas Ranked Based on Car Insurance Costs

We looked at car insurance rates for a 30 year old single man across 99 cities in Kansas. We found that costs between the most expensive place (Minneola) and the most affordable area (Eudora) can have as much as a 52% difference. For our sample driver, this translates to an annual cost difference of $526.

Least Expensive Places

All of the least expensive cities in Kansas for auto insurance are located on the eastern part of the state. Costs ranged 14 - 18% for our profiled male driver, depending on where he lived. The graph below depicts the five places with the lowest rates compared to the state average.

Cities with the lowest car insurance rates in KS.

Eudora, KS

Home to over 6,000 residents, Eudora played a main role during the Bleeding Kansas Era and American Civil War. Our driver found that Eudora ranked as the best location in our state study, with costs 18% less than the Kansas average. In terms of dollars, this means that he would pay $222 less than the benchmark annual rate.

Lawrence, KS

In Lawrence, our driver found premiums to be 17%, or $214, lower than the state mean. This city has a diverse economy and its largest employers include the University of Kansas, General Dynamic, and Hallmark Cards.

De Soto, KS

Named after the Spanish explorer Hernando De Soto, the city of De Soto takes the third spot on our list. Our sample driver in this town of 6,000 found rates to be 17% less compared to the state average, which amounts to an annual difference of $207.

Baldwin City, KS

Costs in Baldwin City were 17% lower than the state benchmark in our study, meaning that our profiled motorist paid $204 less living here than the typical Kansas city for auto insurance. Among other notable events, every October, Baldwin City hosts the Maple Leaf Festival, a celebration of harvest and the autumn season.

Manhattan, KS

Manhattan rounds out our least expensive places in Kansas for our driver. Insurance costs here were 14% less than the state average, equaling $178 less in expenses for our driver. Many of the city’s residents include Kansas State University students and Fort Riley military personnel.

Most Expensive Places

The five most expensive cities were all on the western side of the state. They generally tend to be small cities with less than 2,000 residents. Depending on which city our driver lived in, he could pay 17 - 25% more than the state average. Below is a graph of the five cities and their average annual cost as calculated for our example driver.

Cities with highest car insurance rates in KS.

Minneola, KS

Our driver living in Minneola found the highest rates for car insurance in Kansas here, paying 25% more than the state average. Living in this small city of under 800 residents generally meant costs that were $304 more than the mean rate in Kansas.

Syracuse, KS

Named after Syracuse in New York, Syracuse in Kansas had the second highest rates for our sample driver. Here he saw rates that were 24% higher than the state average, which equals to $291 more a year than the average rate in the state.

Tribune, KS

The third most expensive city for our driver was Tribune. Costs here were 20% more than the state average, a difference of $250 a year in costs. This city was named after the New York Tribune newspaper in the state of New York.

Sharon Springs, KS

In this small city of over 700, our driver saw car insurance expenses that were 17% higher than the state average, which amounted to an annual difference of $121. Sharon Springs was originally known as Eagle Tail Station, but was renamed after Sharon Springs in New York.

Saint Francis, KS

St. Francis takes the last spot on our list for most expensive cities for auto insurance in Kansas. Costs here were 17% lower than the state benchmark in this city of 1,300 residents, which translates to $206 more in premiums every year for our study's profiled driver.

How Cost Differs in Kansas by Location

We looked at 99 cities across the state of Kansas and found the state average to be $1,232, for a year of car insurance coverage, based on our sample male driver. Depending on where he lived, the quotes for the exact same coverage could range anywhere from being 18% lower than to 25% higher than the Kansas benchmark. Below is a list of the 99 cities ranked from most affordable to most expensive:

Rank

CityAverage Annual Rate

1

Eudora$1,010

2

Lawrence1,018

3

De Soto1,025

4

Baldwin City1,028

5

Manhattan1,054

6

McPherson1,057

7

Junction City1,060

8

Abilene1,088

9

Hutchinson1,089

10

Louisburg1,095

11

Halstead1,097

12

Hesston1,097

13

Holton1,100

14

Hiawatha1,107

15

Bonner Springs1,110

16

Burlington1,111

17

Emporia1,111

18

Hillsboro1,112

19

Marion1,117

20

Atchison1,119

21

Alma1,124

22

Derby1,126

23

Lansing1,127

24

Leavenworth1,130

25

Basehor1,131

26

Marysville1,132

27

Iola1,136

28

Hays1,140

29

Clay Center1,146

30

Augusta1,149

31

Cheney1,150

32

Lincoln1,155

33

Arkansas City1,158

34

Fort Scott1,158

35

Caney1,160

36

Conway Springs1,160

37

Belleville1,165

38

Eureka1,165

39

Concordia1,166

40

Ellsworth1,173

41

Lyons1,187

42

Great Bend1,188

43

Galena1,189

44

Kingman1,190

45

Baxter Springs1,194

46

Olathe1,205

47

Shawnee1,209

48

Salina1,218

49

Colby1,219

50

Goodland1,228

51

Bird City1,229

52

Anthony1,231

53

Larned1,237

54

Topeka1,241

55

Greensburg1,244

56

Kiowa1,256

57

Medicine Lodge1,257

58

Kansas City1,258

59

Paola1,292

60

Osawatomie1,296

61

Minneapolis1,297

62

Westmoreland1,298

63

Saint Marys1,299

64

Peabody1,301

65

Wamego1,301

66

Meade1,302

67

Osage City1,302

68

Seneca1,303

69

Ottawa1,307

70

Sabetha1,307

71

Valley Center1,312

72

Lakin1,313

73

Valley Falls1,314

74

Oskaloosa1,317

75

Hugoton1,319

76

Dodge City1,321

77

Mount Hope1,322

78

Newton1,322

79

Tonganoxie1,326

80

Liberal1,331

81

Wichita1,331

82

Pleasanton1,336

83

Garden City1,345

84

Chanute1,364

85

Winfield1,364

86

Pittsburg1,365

87

Wellington1,365

88

Washington1,366

89

Parsons1,372

90

Phillipsburg1,372

91

Sterling1,387

92

Norton1,412

93

Pratt1,423

94

Saint John1,423

95

Saint Francis1,438

96

Sharon Springs1,444

97

Tribune1,482

98

Syracuse1,523

99

Minneola1,536

How We Conducted the Study & Minimum Coverage Requirements

We conducted this study by collecting over 1,000 quotes from 12 auto insurance companies in Kansas for a 30 year old single man. The policy is for a 2011 Toyota Camry he uses to commute between work and home. To obtain cost estimates for our driver, we kept all variables consistent, except where he lived in Kansas. The coverage for our study was more than enough to cover the state’s minimum limit requirement. Here is a comparison between the Kansas minimum coverage requirements and our study's coverage assumption:

Coverage Type

State Requirement LimitsStudy Assumption

Bodily Injury (BI)

$25,000 per person / $50,000 per accident$50,000 per person / $100,000 per accident

Property Damage (PD)

10000 per accident$50,000 per accident

Personal Injury Protection

$4,500 per accident$4,500 per accident
Uninsured Motorist BI$25,000 per person / $50,000 per accident$50,000 per person / $100,000 per accident

Comments and Questions