Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Baldwin City for teen drivers is American Family
  • The cheapest car insurance company in Baldwin City after a DUI is American Family
  • Average car insurance rates in Baldwin City, KS are $271/month

Average car insurance rates in Baldwin City, Kansas are $271 a month. But with a little research you can get a great deal from the top car insurance companies in Baldwin City, KS. Before you buy Baldwin City, Kansas car insurance, make sure your coverage meets or exceeds the Kansas minimum of 25/50/25.

It may even be helpful to compare Baldwin City car insurance rates with Manhattan car insurance rates, Topeka car insurance rates, or Salina car insurance rates to make sure you’re getting the best Baldwin City, KS car insurance quotes available.

Need affordable Baldwin City, KS car insurance? Enter your ZIP code to compare Baldwin City car insurance quotes from multiple car insurance companies near you.

Baldwin City, KS Minimum Car Insurance Coverage

Baldwin City, Kansas law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Baldwin City, Kansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Baldwin City, KS Car Insurance Rates by Coverage Level

Some Baldwin City drivers can get by with the Kansas minimum coverage of 25/50/25. Other drivers may need more. See how much your Baldwin City, Kansas car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Baldwin City, Kansas

Insurance Company Low Medium High
Allstate $3,845 $3,975 $4,133
American Family $2,043 $2,133 $1,916
Farmers $3,515 $3,652 $3,855
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,525 $4,621 $4,748
Nationwide $2,483 $2,347 $2,284
Progressive $3,511 $3,678 $3,938
State Farm $2,458 $2,570 $2,658
Travelers $4,004 $4,236 $4,448
USAA $2,142 $2,216 $2,307

Baldwin City, KS Car Insurance Rates by Age, Gender, and Marital Status

Baldwin City, Kansas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Baldwin City, KS car insurance, get quotes from multiple car insurance companies in the Baldwin City area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Baldwin City, Kansas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,667 $2,580 $2,402 $2,470 $7,634 $8,599 $2,717 $2,804
American Family $1,571 $1,571 $1,420 $1,420 $3,136 $3,780 $1,571 $1,777
Farmers $2,473 $2,451 $2,205 $2,308 $6,988 $7,236 $2,796 $2,936
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,284 $2,467 $2,183 $2,434 $10,628 $11,866 $2,492 $2,695
Nationwide $1,708 $1,751 $1,527 $1,638 $3,701 $4,499 $2,011 $2,135
Progressive $2,098 $1,985 $1,693 $1,770 $7,987 $8,991 $2,482 $2,664
State Farm $1,609 $1,609 $1,433 $1,433 $4,648 $5,873 $1,816 $2,076
Travelers $2,012 $2,045 $1,981 $1,999 $8,326 $12,992 $2,066 $2,413
USAA $1,280 $1,292 $1,184 $1,180 $4,598 $4,783 $1,699 $1,754

Baldwin City, KS Car Insurance Rates for Teens

How much is Baldwin City, Kansas car insurance for teens? Compare rates from top Baldwin City car insurance companies below to help find the cheapest teen car insurance in Baldwin City, KS.

Annual Car Insurance Rates for Teen Drivers in Baldwin City, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,634 $8,599
American Family $3,136 $3,780
Farmers $6,988 $7,236
GEICO $4,439 $5,960
Liberty Mutual $10,628 $11,866
Nationwide $3,701 $4,499
Progressive $7,987 $8,991
State Farm $4,648 $5,873
Travelers $8,326 $12,992
USAA $4,598 $4,783

Baldwin City, KS Car Insurance Rates for Seniors

Before seniors buy Baldwin City, Kansas car insurance, they should make sure to shop around. Some Baldwin City, KS car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Baldwin City, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,402 $2,470
American Family $1,420 $1,420
Farmers $2,205 $2,308
GEICO $2,443 $2,273
Liberty Mutual $2,183 $2,434
Nationwide $1,527 $1,638
Progressive $1,693 $1,770
State Farm $1,433 $1,433
Travelers $1,981 $1,999
USAA $1,184 $1,180

Baldwin City, KS Car Insurance Rates by Credit History

How does your credit history affect Baldwin City, KS car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Baldwin City, Kansas

Insurance Company Poor Fair Good
Allstate $4,929 $3,758 $3,265
American Family $2,654 $1,871 $1,567
Farmers $4,315 $3,453 $3,255
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,631 $4,631 $4,631
Nationwide $2,616 $2,329 $2,170
Progressive $4,235 $3,578 $3,313
State Farm $3,730 $2,229 $1,727
Travelers $4,877 $3,984 $3,828
USAA $3,019 $1,997 $1,648

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Baldwin City, KS Car Insurance Rates by Driver History

How does a single speeding ticket affect your Baldwin City, Kansas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Baldwin City.

Annual Baldwin City, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,410 $3,991 $4,678 $3,857
American Family $1,993 $2,143 $1,993 $1,993
Farmers $3,089 $3,991 $3,889 $3,727
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,486 $5,257 $5,161 $4,620
Nationwide $1,800 $2,062 $3,575 $2,048
Progressive $3,422 $4,014 $3,582 $3,817
State Farm $2,353 $2,771 $2,562 $2,562
Travelers $3,062 $4,018 $5,561 $4,276
USAA $1,619 $2,199 $3,209 $1,858

Baldwin City, KS Car Insurance Rates With a DUI

Even a single DUI can increase your Baldwin City, KS car insurance rates. Compare rates below to see which Baldwin City car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Baldwin City, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,678
American Family $1,993
Farmers $3,889
GEICO $4,922
Liberty Mutual $5,161
Nationwide $3,575
Progressive $3,582
State Farm $2,562
Travelers $5,561
USAA $3,209

Baldwin City, KS Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Baldwin City, KS car insurance rates may be. Let’s take a look at average car insurance rates from top Baldwin City companies based on commute time.

Annual Car Insurance Rates by Commute Length in Baldwin City, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,984 $3,984
American Family $2,005 $2,056
Farmers $3,674 $3,674
GEICO $3,027 $3,159
Liberty Mutual $4,631 $4,631
Nationwide $2,371 $2,371
Progressive $3,709 $3,709
State Farm $2,498 $2,626
Travelers $4,229 $4,229
USAA $2,159 $2,283

Baldwin City, KS Cheapest Car Insurance Rates

How do the top Baldwin City, Kansas car insurance companies’ average rates stack up against the Baldwin City average monthly car insurance rates of $271? Take a look and see.

Best Annual Car Insurance Rates by Company in Baldwin City, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI American Family
With 1 Speeding Violation USAA

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Baldwin City, KS Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Baldwin City, Kansas car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Baldwin City, Kansas

Insurance Company Average Annual Rates
Allstate $3,984
American Family $2,031
Farmers $3,674
GEICO $3,093
Liberty Mutual $4,631
Nationwide $2,371
Progressive $3,709
State Farm $2,562
Travelers $4,229
USAA $2,221

Other Factors Affecting Baldwin City, KS Car Insurance Rates

Before you buy Baldwin City, Kansas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Baldwin City, KS Commute Time

How does your Baldwin City, KS commute time compare with the average driver? In Baldwin City, the average commute is 25.3 minutes.

Baldwin City, KS Car Insurance Quotes

Compare Baldwin City, KS car insurance quotes from multiple companies by entering your ZIP code now.