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How Cities in Kansas Ranked Based on Car Insurance Costs

Contents

Five Least Expensive Places
Five Most Expensive Places
Full List of Cities Studied
How We Conducted the Study

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:

RankCityAverage Annual Rate
1 Eudora  $1,010
2 Lawrence  1,018
3 De Soto  1,025
4 Baldwin City  1,028
5 Manhattan  1,054
6 McPherson  1,057
7 Junction City  1,060
8 Abilene  1,088
9 Hutchinson  1,089
10 Louisburg  1,095
11 Halstead  1,097
12 Hesston  1,097
13 Holton  1,100
14 Hiawatha  1,107
15 Bonner Springs  1,110
16 Burlington  1,111
17 Emporia  1,111
18 Hillsboro  1,112
19 Marion  1,117
20 Atchison  1,119
21 Alma  1,124
22 Derby  1,126
23 Lansing  1,127
24 Leavenworth  1,130
25 Basehor  1,131
26 Marysville  1,132
27 Iola  1,136
28 Hays  1,140
29 Clay Center  1,146
30 Augusta  1,149
31 Cheney  1,150
32 Lincoln  1,155
33 Arkansas City  1,158
34 Fort Scott  1,158
35 Caney  1,160
36 Conway Springs  1,160
37 Belleville  1,165
38 Eureka  1,165
39 Concordia  1,166
40 Ellsworth  1,173
41 Lyons  1,187
42 Great Bend  1,188
43 Galena  1,189
44 Kingman  1,190
45 Baxter Springs  1,194
46 Olathe  1,205
47 Shawnee  1,209
48 Salina  1,218
49 Colby  1,219
50 Goodland  1,228
51 Bird City  1,229
52 Anthony  1,231
53 Larned  1,237
54 Topeka  1,241
55 Greensburg  1,244
56 Kiowa  1,256
57 Medicine Lodge  1,257
58 Kansas City  1,258
59 Paola  1,292
60 Osawatomie  1,296
61 Minneapolis  1,297
62 Westmoreland  1,298
63 Saint Marys  1,299
64 Peabody  1,301
65 Wamego  1,301
66 Meade  1,302
67 Osage City  1,302
68 Seneca  1,303
69 Ottawa  1,307
70 Sabetha  1,307
71 Valley Center  1,312
72 Lakin  1,313
73 Valley Falls  1,314
74 Oskaloosa  1,317
75 Hugoton  1,319
76 Dodge City  1,321
77 Mount Hope  1,322
78 Newton  1,322
79 Tonganoxie  1,326
80 Liberal  1,331
81 Wichita  1,331
82 Pleasanton  1,336
83 Garden City  1,345
84 Chanute  1,364
85 Winfield  1,364
86 Pittsburg  1,365
87 Wellington  1,365
88 Washington  1,366
89 Parsons  1,372
90 Phillipsburg  1,372
91 Sterling  1,387
92 Norton  1,412
93 Pratt  1,423
94 Saint John  1,423
95 Saint Francis  1,438
96 Sharon Springs  1,444
97 Tribune  1,482
98 Syracuse  1,523
99 Minneola  1,536

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 TypeState 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

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