Buy Cheap Colby, KS Auto Insurance in 2024
Colby, KS auto insurance rates average $288 a month. Minimum auto insurance requirements in Colby, Kansas are 25/50/25 to comply with Kansas laws. To buy cheap auto insurance in Colby, KS, compare Colby auto insurance quotes from top companies.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Colby is Liberty Mutual
- Average auto insurance rates in Colby, KS for teens drivers are $6,295/year
- Average auto insurance rates in Colby, KS after a DUI are $4,182/year
Finding affordable Colby, Kansas auto insurance can be challenging, but everything you need to know to buy cheap Colby, KS auto insurance with confidence is right here. Auto insurance rates in Colby are affected by local factors as well as personal ones like your driving record.
See how Colby, KS car insurance rates compare to Shawnee auto insurance rates, Lawrence auto insurance rates, and Overland Park auto insurance rates before you read more about the cost of auto insurance in Colby.
Don’t buy Colby, KS auto insurance until you’ve compared rates. Get free Colby, Kansas auto insurance quotes when you enter your ZIP code above.
Colby, KS Minimum Auto Insurance Requirements
The required auto insurance in Colby, KS is 25/50/25 according to the auto insurance laws in Kansas. The minimum auto insurance in Colby, Kansas is outlined here.
| 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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Find Cheap Colby, KS Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Colby, KS. Take a look at Colby, Kansas auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,541 | $3,431 | $3,004 |
| American Family | $2,754 | $1,956 | $1,624 |
| Farmers | $4,254 | $3,367 | $3,179 |
| Geico | $5,995 | $3,174 | $2,408 |
| Liberty Mutual | $4,739 | $4,739 | $4,739 |
| Nationwide | $2,753 | $2,404 | $2,242 |
| Progressive | $4,690 | $3,922 | $3,615 |
| State Farm | $4,351 | $2,599 | $2,013 |
| Travelers | $5,223 | $4,226 | $4,057 |
| USAA | $3,553 | $2,300 | $1,879 |
Buy Cheap Colby, KS Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Colby, Kansas auto insurance rates? Find out how car insurance rates in Colby, KS are impacted by demographics.
| 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 | $2,609 | $2,573 | $2,295 | $2,368 | $6,563 | $7,251 | $2,741 | $2,868 |
| American Family | $1,685 | $1,685 | $1,520 | $1,520 | $3,153 | $3,761 | $1,685 | $1,880 |
| Farmers | $2,535 | $2,523 | $2,271 | $2,364 | $6,518 | $6,749 | $2,843 | $2,999 |
| Geico | $3,117 | $3,051 | $3,138 | $2,920 | $5,374 | $7,167 | $3,471 | $2,634 |
| Liberty Mutual | $2,424 | $2,624 | $2,281 | $2,547 | $10,604 | $11,854 | $2,678 | $2,904 |
| Nationwide | $1,860 | $1,924 | $1,649 | $1,785 | $3,628 | $4,467 | $2,137 | $2,278 |
| Progressive | $2,375 | $2,269 | $1,911 | $1,993 | $8,576 | $9,672 | $2,804 | $3,003 |
| State Farm | $2,082 | $2,082 | $1,781 | $1,781 | $4,912 | $6,346 | $2,326 | $2,591 |
| Travelers | $2,232 | $2,280 | $2,135 | $2,174 | $8,644 | $13,530 | $2,275 | $2,748 |
| USAA | $1,573 | $1,621 | $1,424 | $1,461 | $4,983 | $5,299 | $2,065 | $2,192 |
Buy Cheap Colby, KS Auto Insurance for Teen Drivers
Auto insurance for teenagers in Colby can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Colby, KS are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,563 | $7,251 |
| American Family | $3,153 | $3,761 |
| Farmers | $6,518 | $6,749 |
| Geico | $5,374 | $7,167 |
| Liberty Mutual | $10,604 | $11,854 |
| Nationwide | $3,628 | $4,467 |
| Progressive | $8,576 | $9,672 |
| State Farm | $4,912 | $6,346 |
| Travelers | $8,644 | $13,530 |
| USAA | $4,983 | $5,299 |
Buy Cheap Colby, KS Auto Insurance for Seniors
You can save on senior auto insurance rates in Colby, Kansas by comparing Colby senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Colby, KS here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,295 | $2,368 |
| American Family | $1,520 | $1,520 |
| Farmers | $2,271 | $2,364 |
| Geico | $3,138 | $2,920 |
| Liberty Mutual | $2,281 | $2,547 |
| Nationwide | $1,649 | $1,785 |
| Progressive | $1,911 | $1,993 |
| State Farm | $1,781 | $1,781 |
| Travelers | $2,135 | $2,174 |
| USAA | $1,424 | $1,461 |
Find Cheap Auto Insurance Rates in Colby, KS by Coverage Level
The amount of coverage you choose is a big factor in the cost of Colby, Kansas auto insurance. Compare Colby, KS auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,572 | $3,651 | $3,752 |
| American Family | $2,140 | $2,218 | $1,975 |
| Farmers | $3,470 | $3,583 | $3,747 |
| Geico | $3,772 | $3,855 | $3,949 |
| Liberty Mutual | $4,636 | $4,729 | $4,853 |
| Nationwide | $2,606 | $2,437 | $2,355 |
| Progressive | $3,891 | $4,047 | $4,288 |
| State Farm | $2,905 | $2,994 | $3,064 |
| Travelers | $4,297 | $4,508 | $4,702 |
| USAA | $2,515 | $2,573 | $2,644 |
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Find Cheap Colby, KS Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Colby. Compare auto insurance rates in Colby, KS by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,659 | $3,659 |
| American Family | $2,083 | $2,139 |
| Farmers | $3,600 | $3,600 |
| Geico | $3,773 | $3,945 |
| Liberty Mutual | $4,739 | $4,739 |
| Nationwide | $2,466 | $2,466 |
| Progressive | $4,075 | $4,075 |
| State Farm | $2,914 | $3,062 |
| Travelers | $4,502 | $4,502 |
| USAA | $2,500 | $2,655 |
Find Cheap Colby, KS Auto Insurance Rates by Driving Record
Auto insurance rates in Colby, Kansas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Colby, KS, take a look at the average cost for various violations versus rates for a clean driving record in Colby.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,205 | $3,706 | $4,176 | $3,548 |
| American Family | $2,074 | $2,224 | $2,074 | $2,074 |
| Farmers | $3,046 | $3,894 | $3,796 | $3,663 |
| Geico | $2,397 | $3,972 | $6,215 | $2,851 |
| Liberty Mutual | $3,610 | $5,352 | $5,262 | $4,733 |
| Nationwide | $1,835 | $2,119 | $3,800 | $2,111 |
| Progressive | $3,773 | $4,390 | $3,933 | $4,205 |
| State Farm | $2,814 | $3,161 | $2,988 | $2,988 |
| Travelers | $3,327 | $4,289 | $5,859 | $4,534 |
| USAA | $1,897 | $2,529 | $3,713 | $2,170 |
Find Cheap Colby, KS Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Colby, Kansas is higher than for a clean driving record. You can buy auto insurance after a DUI in Colby for less when you shop around and compare rates from multiple Colby, KS auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,176 |
| American Family | $2,074 |
| Farmers | $3,796 |
| Geico | $6,215 |
| Liberty Mutual | $5,262 |
| Nationwide | $3,800 |
| Progressive | $3,933 |
| State Farm | $2,988 |
| Travelers | $5,859 |
| USAA | $3,713 |
Winners by Category: Where to Buy Cheap Auto Insurance in Colby, KS
Compare rates from the cheapest auto insurance companies in Colby, KS for your needs. Take a look at how Colby, Kansas auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | American Family |
| Seniors | USAA |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | American Family |
| With 1 Speeding Violation | American Family |
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Find Cheap Colby, Kansas Auto Insurance Companies
If you’re looking for the cheapest Colby, KS auto insurance companies overall, you can compare them here. Find the best price for Colby, Kansas car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,659 |
| American Family | $2,111 |
| Farmers | $3,600 |
| Geico | $3,859 |
| Liberty Mutual | $4,739 |
| Nationwide | $2,466 |
| Progressive | $4,075 |
| State Farm | $2,988 |
| Travelers | $4,502 |
| USAA | $2,577 |
What affects Colby, Kansas auto insurance rates?
Local factors affect auto insurance rates in Colby, KS, including traffic, theft statistics, and commute length. Take a look at the things that impact Colby auto insurance rates.
Commute Times in Colby
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Colby, KS is 10.0 minutes according to City-Data.
Compare Auto Insurance Quotes in Colby, KS
You can buy cheap Colby, KS auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Colby, Kansas auto insurance quotes from top companies.
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Frequently Asked Questions
How can I find cheap auto insurance in Colby, KS?
To find cheap auto insurance in Colby, KS, you can follow these steps:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a good driving record, as a clean history often leads to lower premiums.
- Opt for higher deductibles, which can lower your premium costs.
- Consider bundling your auto insurance with other policies like home or renters insurance to qualify for multi-policy discounts.
- Inquire about any available discounts, such as safe driver discounts or discounts for installing anti-theft devices.
What factors affect the cost of auto insurance in Colby, KS?
Several factors can influence the cost of auto insurance in Colby, KS, including:
- Your driving record: Drivers with a history of accidents or traffic violations may face higher premiums.
- Type of vehicle: The make, model, and age of your car can impact your insurance rates.
- Coverage limits and deductibles: Higher coverage limits and lower deductibles usually result in higher premiums.
- Location: Insurance rates can vary based on where you live and park your car in Colby, KS.
- Credit history: In some states, insurance companies may consider your credit score when determining rates.
Are there any pros to buying cheap auto insurance?
Pros of buying cheap auto insurance include:
- Cost savings: Cheap insurance premiums can help you save money on your monthly expenses.
- Compliance with legal requirements: Even with lower-cost insurance, you can meet the mandatory auto insurance requirements set by the state of Kansas.
What are the cons of buying cheap auto insurance?
Cons of buying cheap auto insurance may include:
- Limited coverage: Cheap insurance policies may offer lower coverage limits, which could leave you financially vulnerable in the event of an accident or theft.
- Higher out-of-pocket costs: Cheap insurance policies often come with higher deductibles, meaning you’ll have to pay more out of pocket before insurance coverage kicks in.
- Less comprehensive customer service: Some low-cost insurance providers may offer limited customer service or have slower claims processing times.
How important is it to review the insurance company’s reputation when buying cheap auto insurance?
Reviewing the insurance company’s reputation is crucial, regardless of the cost. While cost is a factor, it’s important to ensure that the company is reputable, financially stable, and has a good track record of customer service and claims handling. Reading reviews and checking ratings from independent sources can help you make an informed decision.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.