Manhattan Auto Insurance Rates, Quotes, Agents & Reviews in KS

Manhattan, KS Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Manhattan, KS, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Top 4 car insurance companies in Manhattan, Kansas, offer premiums that differ by $5,466

With the help of data from the 2016 NAIC report, Zimlon has identified the following 4 car insurance companies in Kansas as the top 4 in terms of market share: State Farm Mutual Automobile, American Family Insurance Company, Progressive Northwestern Insurance Company, and Farm Bureau Property & Casualty Insurance Company. Zimlon further reports that the insurance premiums offered for 16-year-old male drivers differ by as much as $5,466, from the median.

The premiums of Progressive Northwestern Insurance Company deviate the most from the median rates. For 16-year-old male drivers, Progressive’s premium is $5,466 more than the median, and for 16-year-old female drivers, their premium is $4,868 more than the median rate. American Family Insurance Company offers the biggest potential savings for the cohort of 16-year-old males, with premiums priced at $595 less than the median.

Zimlon’s study is based on car insurance data published on the Kansas Insurance Department website. The vehicle chosen as a reference point for this analysis is a 2013 Toyota Camry four-door sedan. The coverage limit for bodily injury per person and bodily injury per accident are $100,000 and $300,000 respectively. The property damage per accident coverage limit is $100,000. The comprehensive and collision deductible is $1,000.

The following table shows the 10 types of driver segments analyzed, the median premium rate for each segment, and the premiums charged by companies with the highest market share in Manhattan, Kansas. The boxes in light red represent the difference between the premium and the median price, for premiums priced higher than the median. The boxes in light green represent the same, for prices that are lower than the median.

Cohort Median Car Insurance Rates in Manhattan, KS State Farm Mutual Automobile American Family Insurance Company Progressive Northwestern Insurance Company Farm Bureau Property & Casualty Insurance Company
16-year-old female drivers $1,429 $100 $473 $4,868 $328
16-year-old male drivers $1,637 $370 $595 $5,466 $453
21-year-old female drivers $715 $109 $128 $407 $134
21-year-old male drivers $829 $197 $199 $542 $184
35-year-old female drivers $492 $36 $145 $333 $99
35-year-old male drivers $493 $35 $130 $293 $108
55-year-old female drivers $430 $59 $125 $212 $97
55-year-old male drivers $437 $52 $124 $200 $119
70-year-old female drivers $415 $77 $78 $235 $93
70-year-old male drivers $463 $29 $124 $212 $139

For all 10 driver cohorts, State Farm offers premiums that are higher than the median. For the youngest driver group of 16-year-old males, State Farm’s rate is $370 more than the median. Their cheapest premium is targeted at 70-year-old males, at $29 more than the median.

In contrast, American Family Insurance offers lower-than-median prices for all the driver segments. Their rates for 16-year-old male drivers are  considerably less ($595) than the median. In fact, of all their premiums, the one closest to the median is that for 70-year-old females (at only $78 less than the median).

Progressive Northwestern Insurance is another company whose rates are comparatively higher than the median. For example, the cohort of 16-year-old males faces the prospect of paying the most expensive premiums—at $5,466 more than the median. The reasonably priced premiums are for 55-year-old and 70-year-old male drivers,, at $212 higher than the median.

Farm Bureau Property and Casualty Insurance offers cheaper-than-median car insurance premiums to driver segments. Once again, 16-year-old male drivers can make the biggest saves, at $453 less than the median. The lowest difference can be observed for 70-year-old female drivers at $93 less than the median.

The following chart compares the car insurance premium rates of the top four companies in Manhattan, Kansas.

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Factors that can influence the cost of car insurance in Manhattan, KS are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Manhattan, KS Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Manhattan, KS with that of other cities in and around Manhattan.

Manhattan Madison Riley County Wildcat Ogden Blue
Average Insurance Rates $1,152 $1,489 $1,040 $1,606 $1,478 $1,584

Manhattan, KS Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Manhattan, KS based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Manhattan $1,234 $1,042
Ogden $1,080 $913
Wildcat $3,054 $2,580
Blue $1,193 $1,007
Riley County $1,473 $1,244
Zeandale $1,896 $1,602
Madison $1,434 $1,211
St. George $1,508 $1,274

Manhattan, KS Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Manhattan, KS usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,738
20 Years $1,480
30 Years $1,140
40 Years $1,097
50 Years $1,016
60 Years $1,030
70 Years $1,199

Manhattan, KS Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Manhattan, KS can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,958 $346
3 Vehicles $2,938 $518
4 Vehicles $3,917 $691

Savings on 2 Vehicles bundle:$346

Savings on 3 Vehicles bundle:$518

Savings on 4 Vehicles bundle:$691


Manhattan, KS Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Manhattan, KS.

Location Average Insurance Cost Post DUI Insurance Rate
Manhattan $1,152 $1,920
Ogden $1,478 $2,464
Wildcat $1,606 $2,677
Blue $1,584 $2,640
Riley County $1,040 $1,734
Zeandale $1,674 $2,790
Madison $1,489 $2,482
St. George $1,556 $2,594

Manhattan, KS Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $988
Excellent (740-799) $1,128
Good (670-739) $1,200
Average (580-669) $1,566
Poor (300-579) $1,879

Manhattan, KS Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Al Langton Insurance Inc Travelers 1014 POYNTZ AVE SUITE A, MANHATTAN, 66502 785-776-4091
Holmes Insurance Agency Travelers 422 N JULIETTE AVE, MANHATTAN, 66502 785-539-1101
Cardinal Insurance-Manhattan None 507 Leavenworth, Manhattan, 6650 None
Norval Spielman, Llc None 3004 Tumbleweed Terr, , Manhattan, 66502 None
Dillon-Sullivan Insurance Travelers 527 FT RILEY RD, MANHATTAN, 66502 785-539-3048
Dynamic Insurance Group None 5947 Sw 29Th St, Topeka, 66614 None
David Keeling Farmers 200 Southwind Pl Ste 201, Manhattan, 66503 (785) 776-9595
Rick Tramp State Farm 3625 SW 29th St Ste 204, Topeka, 66614-2061 785-271-2400
Willis Of Greater Kansas Inc Travelers 2613 W 21ST ST UNIVERSITY VILLAGE, TOPEKA, 66604 785-232-8243
Chip Munk State Farm 28th & Wanamaker,, Topeka, 66614-2545 785-272-8858

Manhattan, KS Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$51 $1,203
Driver's Failure In Showing Documents +$112 $1,264
Driving With An Expired Registration +$119 $1,271
Driving At A Considerably Slow Pace +$250 $1,402
Using A Cellphone While Driving +$264 $1,416
Running A Red Light +$268 $1,420
Speeding +$282 $1,434
Driving A Vehicle Without The Required Permission +$358 $1,510
Driving With An Expired/Suspended License +$776 $1,928

Manhattan, KS Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,106
Active Disabling Device $1,106
Tracking Device $1,083
Passive Disabling Device $1,071

Latest Auto Insurance Reviews in Manhattan, KS | Back to Top

Geico
They have good offerings and good rates. I changed from another company because the rates were the same with little customer interaction.
Progressive
The premiums and deductibles of our auto insurance policy is very similar to other companies that we have looked into. The major deciding factor for us was price, especially considering the policy options were so similar.
Safeco Insurance
They offer multi-car and multi-policy discounts. I have my insurance for both my vehicles and house through Safeco.
Progressive
They offer the same thing as other companies and they are cheaper but the only difference is progressive charges you when your adding or taking off a car.
Liberty Mutual
I would definitely not recommend, for not been straight forward and holding on to their terms. i really have a bad experience with them.
Geico
I did no tlike how much my payment went up after one incident with my husband's car. There was no wiggle room.
State Farm
There isn't a whole lot that I dislike about the company. Although I think that their State Farm app could use some updating. As always, I wish the prices were a little less. I'd rank them again a 4
Liberty Mutual
I like that the company has made itself available and offers a fairly priced coverage for my family needs. They are a dependable firm and I have recommended them to countless others.
Geico
I don't like waiting for 20-25 minutes on the phone just to get a simple question answered. Not all the FAQs on their website cover questions that some policyholders have. So that's annoying.