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.
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.
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 Rates
- Manhattan, KS Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Manhattan, KS
- Multi Vehicle Insurance Savings in Manhattan, KS
- How Credit Score Affects Car Insurance Rates in Manhattan, KS
- How DUI Affects Auto Insurance Premiums in Manhattan, KS
- Top Auto Insurance Agents Near Manhattan, KS
- How Driving Violations Affect Auto Insurance Rates in Manhattan, KS
- Manhattan, KS Auto Insurance Discounts on Anti Theft Feature
- Manhattan, KS Auto Insurance Company Reviews
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
GeicoThey have good offerings and good rates. I changed from another company because the rates were the same with little customer interaction.
ProgressiveThe 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 InsuranceThey offer multi-car and multi-policy discounts. I have my insurance for both my vehicles and house through Safeco.
ProgressiveThey 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 MutualI would definitely not recommend, for not been straight forward and holding on to their terms. i really have a bad experience with them.
GeicoI did no tlike how much my payment went up after one incident with my husband's car. There was no wiggle room.
State FarmThere 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 MutualI 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.
GeicoI 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.