The best car insurance in Manhattan, KS

By

Erin Gobler

Erin Gobler

Insurance Expert

Erin Gobler is a freelance insurance writer at Policygenius, specializing in auto insurance. Erin has been writing about insurance and other personal finance topics since 2018 and has been published in some of the industry’s leading publications.

Published November 17, 2021

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The average car insurance rate in Kansas is $1,604 per year, which is slightly below the national average. And luckily, drivers in Manhattan have access to even lower rates. The average cost of car insurance in Manhattan is $1,427 and a handful of providers offer much lower average rates.

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When you’re shopping for car insurance, be sure to get quotes from several companies to ensure you’re getting the best value. Policygenius can help you get quotes from the top insurance providers in Manhattan.

Key Takeaways

  • USAA has the cheapest car insurance for Manhattan drivers

  • GEICO offers the best rates for drivers with bad credit

  • Kansas drivers must have $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage

Cheapest car insurance companies in Manhattan, KS

Car insurance companies use a variety of factors to set insurance premiums, including your location, age, gender, credit score, and driving history. And while all companies use the same basic information, you’ll likely find that the quotes you get are different from one company to the next. This is because each company uses a different internal formula to set its rates.

As you can see below, USAA offers the cheapest car insurance in Manhattan, followed by GEICO and State Farm.

Company

Average cost

JD Power Rating

USAA

$767

890

GEICO

$878

871

State Farm

$1,054

881

Auto-Owners Insurance

$1,179

890

Travelers

$1,257

861

Cheapest car insurance rates by ZIP code in Manhattan, KS

Your location is one of the most important factors in determining your car insurance rates. Not only do your state and city impact your rates, but so does the ZIP code in which you live. Certain neighborhoods have higher rates of uninsured drivers, accidents, or crime. As a result, drivers in those neighborhoods are likely to pay higher car insurance rates.

On the other hand, drivers in neighborhoods with fewer accidents or more insured drivers tend to pay lower insurance rates. Below, you can see how the average insurance rate varies across different Manhattan ZIP codes.

ZIP code

Average cost

66502

$1,424

66503

$1,425

66506

$1,432

Choosing the right car insurance company in Manhattan, KS

The price of car insurance can vary considerably from one company to the next, so it’s important to compare quotes. Ultimately, your goal is to find a policy that provides all the car insurance coverage you need at the most affordable price. Policygenius can help you get quotes from all of the top providers in your area, and our insurance experts can help answer all of your car insurance questions.

Car insurance rates for drivers with driving violations in Manhattan, KS

Having violations in your driving record can significantly impact your insurance rates. Violations can stay on your driving record for years and can increase your rates by hundreds — if not thousands — of dollars per year.

As you can see below, different violations affect your rates differently. An offense like driving with an expired registration may have only a minor impact on your rates while causing an accident or driving under the influence can cause a huge spike in your insurance rates.

Violation

USAA

GEICO

State Farm

Auto-Owners Insurance

Travelers

At-fault Accident

$1,136

$1,744

$1,221

$1,517

$1,804

DUI

$1,891

$3,288

$1,149

$2,537

$1,959

Driving with a suspended license

$1,792

$1,165

$1,149

$2,537

$1,959

Driving with an open container

$1,105

$1,165

$1,149

$1,404

$1,727

Driving with expired registration

$992

$951

$1,149

$1,179

$1,727

Driving without Lights

$992

$1,165

$1,149

$1,294

$1,355

Failure to show documents

$992

$951

$1,149

$1,179

$1,727

Failure to stop at a red light

$992

$1,165

$1,149

$1,294

$1,727

Cheapest car insurance for drivers with bad credit in Manhattan, KS

You may be surprised to learn that your credit score is another important factor that insurers use to determine your car insurance rates. Studies have linked credit with insurance risk, and drivers with poor credit are generally more likely to file an insurance claim. As a result, insurance companies generally charge higher rates to drivers with poor credit, while drivers with good credit may pay lower rates.

Company

Rates for drivers with bad credit

GEICO

$1,359

USAA

$1,446

Nationwide

$1,814

Auto-Owners Insurance

$2,073

Iowa Farm Bureau

$2,209

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Buying car insurance in Manhattan, KS

Like most states, Kansas requires that drivers have car insurance to legally operate a vehicle. Kansas law requires that every insurance policy sold in the state include the following minimum coverages:

  • Bodily injury liability coverage of $25,000 per person and $50,000 per accident

  • Property damage liability coverage of $25,000

  • Personal injury protection (PIP) of $4,500 for medical expenses, $900/month for disability income, $25/day for in-home services, $2,000 for funeral, burial, or cremation

  • $4,500 for rehabilitation services

  • Uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident

Kansas is a no-fault insurance state, which means your PIP coverage is designed to cover your own medical expenses after an accident rather than the at-fault driver covering those expenses. That being said, the state still requires the normal liability coverages in case an at-fault driver has additional financial responsibilities after an accident.

If you’re caught driving without the required insurance coverage in Kansas, you could be subject to a fine of $300 to $1,000 for the first offense, and $800 to $2,500 for the second and subsequent offenses. In certain cases, you may also be subject to suspension of your driver’s license or vehicle registration.

How to get cheap car insurance in Manhattan, KS

Manhattan drivers are lucky to have access to insurance rates that are below the national average. However, you may still be looking for some ways to reduce your premiums. Here are a few strategies to help you save money:

  • Shop around: Policygenius can help you get quotes from all of the top providers in Kansas to ensure that not only are you getting the best rate, but also that you’re getting the coverage you need.

  • Take advantage of discounts: Most insurance companies offer discounts to help their customers save even more. Discounts may be available for bundling your policies, installing vehicle safety features, or even having a teen driver with good grades.

  • Raise your deductible: Your deductible is the amount you pay out of pocket before your insurance coverage kicks in. In general, the higher your deductible, the lower your premium.

Frequently asked questions

How much does car insurance cost in Manhattan, Kansas?

The average annual car insurance premium in Manhattan is $1,427, which is lower than the state average of $1,604.

How do Kansas insurance rates compare with other states?

Kansas’s car insurance rates are close to the national average. Drivers in Kansas pay an average rate of $1,604, while the national average is $1,652.

Who has the cheapest car insurance in Manhattan?

USAA has the cheapest insurance rates in Manhattan, with an average rate of $767 per year. The second cheapest provider is GEICO, with an average rate of $878 per year in Manhattan.

What factors affect my insurance rates?

Factors that determine your car insurance rates include your age, gender, location, vehicle, driving record, credit score, coverage amount, and how much you drive.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.