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.
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.
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.
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 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.
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.
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.
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.
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.
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||City||Average Annual Rate|
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 Limits||Study 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|