Cheapest Auto Insurance in Manhattan, Kansas (2024)
With a monthly liability-only rate of $59, Root is the cheapest car insurance company in Manhattan.
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Written byJamie Johnson
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6 years experience in personal finance writing
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Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Updated November 21, 2024
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Table of contents
The average monthly cost of car insurance in Manhattan, Kansas, is $113, which is below the national average of $154. Home to Kansas State University, Manhattan is a highly walkable college town with a population of around 54,000, which could contribute to its lower auto insurance costs.
But insurance rates can vary substantially based on your driving history, age, and ZIP code. Manhattan drivers can find the lowest rates on auto insurance by comparing quotes from different insurers.
Quick Facts
Manhattan drivers pay an average of $70 per month for liability-only coverage and $155 per month for full coverage.
Full-coverage insurance costs Manhattan drivers an average of $1,863 per year.
Root, Dairyland, and CSAA are the cheapest car insurance companies in Manhattan.
3 of the cheapest car insurance companies in Manhattan
Since auto insurance rates in Manhattan fall below the national average, there’s a good chance you can find affordable coverage. Here’s a look at three of the cheapest car insurance companies in Manhattan and which type of driver each company is best for.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Safeco | 8.3 | $154 | $75 | Safe drivers |
| Midvale Home & Auto | N/A | $102 | $59 | Coverage options |
| Dairyland | 7.0 | $197 | $74 | New policyholders |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for safe drivers: Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $68/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Safeco provides numerous benefits to people with a good driving history. If you remain claims-free for more than six months, the company will send you a check for 2.5% of your policy premium (up to 5% each year).
If you’ve filed no claims when your policy renews, your collision deductible will continue to decrease for five years, up to a max of $500. And if you do get into an accident, Safeco will waive the deductible if you’ve gone a set number of years without an accident or driving violation.
Pros
Accident forgiveness available
Diminishing deductible available
Cons
Below-average J.D. Power customer satisfaction rating in the Central region
High number of customer complaints for a company of its size, according to the National Association of Insurance Commissioners (NAIC)
Best insurer for coverage options: Midvale Home & Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 3.2 /10 |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Owned by American Family Insurance, Midvale offers auto and home insurance. In addition to liability, collision, and comprehensive coverages, Midvale also offers a healthy range of optional coverages, including gap insurance, uninsured/underinsured motorist, rental car reimbursement, and roadside assistance. Midvale has an excellent (A) rating from AM Best for financial stability.
Pros
Ample optional coverages, including gap insurance
Numerous available discounts
Cons
Must call an agent to purchase a policy
Not rated by J.D. Power
Best insurer for new policyholders: Dairyland
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $67/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $179/mo |
3.6
A solid optionBased on 246 verified guest reviews and ratings
How drivers feel about Dairyland
Drivers appreciate the low prices, honesty, and good customer service but dislike the frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
How drivers feel about Dairyland
Drivers appreciate the low prices, honesty, and good customer service but dislike the frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
Reviews (133)
Oliver
November 5, 2024
Verified Review
Review Option
The insurance premium is too high without much coverage.
Stephen
November 5, 2024
Verified Review
Excellent
I paid them every month and they insured my car every month. It's not rocket science.
Pamela
November 4, 2024
Verified Review
Cheaper Coverage
I have recommended Dairyland to many people as they are the best I've had. However, my financial situation has changed and it's become difficult to make ends meet. So, I'm exploring options to reduce some of my bills.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.61A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Dairyland provides auto, motorcycle, and off-road insurance to drivers. The company offers discounts for things like owning a home, taking a defensive driving course, or insuring multiple vehicles. And if you’re new to Manhattan and looking to switch to Dairyland from another insurance company, you may receive a discount.
Pros
Offers low down payments
Discount for switching to Dairyland
Cons
Low customer service ratings on the Better Business Bureau (BBB) website
Limited coverage add-ons
How to get the cheapest car insurance in Manhattan
Here are some steps you can take to find affordable car insurance rates in Manhattan:[1]
Maintain a good driving record. The best way to get low insurance rates is by maintaining a good driving record. If you already have one or two violations on your record, you may be able to improve your rates by taking a defensive driving course.
Raise your deductible. When you file an insurance claim, you’ll pay an out-of-pocket deductible before your insurance coverage kicks in. The higher your deductible, the lower your monthly premiums will be. Just make sure you can afford the deductible if you do get into an accident.
Bundle your policies. Most insurance companies offer a discount for bundling multiple insurance products. For example, you can bundle your auto insurance with your life and home insurance.
Consider lowering your coverage. If you own your car and it has a market value of less than $3,000, you can save money by switching to liability-only coverage.[2]
Shop around. Get auto insurance quotes from at least three different insurers before selecting a policy. Comparing quotes will help you find the cheapest auto insurance rates for your situation.
Find Cheap Car Insurance in Manhattan, Kansas
Liability-only rates start at $59 per month
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Cheapest liability-only car insurance in Manhattan: Root
Liability-only insurance pays for damages to the other driver’s vehicle and any medical bills resulting from an accident you caused. But you’ll be responsible for paying for your own medical bills and for damages to your car. Liability-only car insurance in Manhattan costs an average of $70 per month.
Here’s a look at the cheapest options for liability insurance in Manhattan.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Root | $59 |
| Dairyland | $67 |
| CSAA | $68 |
| Safeco | $68 |
| National General | $70 |
| Direct Auto | $80 |
| Bristol West | $83 |
| Liberty Mutual | $88 |
| The General | $91 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Manhattan: Root
Full-coverage insurance pays for repairs and medical costs for you and the other driver, regardless of who was at fault for the accident. In Manhattan, full-coverage car insurance has an average monthly cost of $155.
Here are the cheapest insurers for full-coverage insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Root | $99 |
| CSAA | $125 |
| National General | $131 |
| Safeco | $139 |
| Direct Auto | $165 |
| Dairyland | $179 |
| Liberty Mutual | $193 |
| The General | $199 |
| Bristol West | $225 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Manhattan, Kansas
Recent Manhattan, Kansas car insurance prices for Honda, Lincoln, Nissan , and more.
*Quotes generated for Insurify users in and around Manhattan, Kansas within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Manhattan, Kansas within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Kansas
Kansas law requires all drivers to carry liability, personal injury protection (PIP), and uninsured motorist coverage.
The following table outlines the minimum-coverage requirements Manhattan drivers need to meet:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection (PIP) |
|
| Uninsured/underinsured motorist coverage | $25,000 per person / $50,000 per accident |
Kansas’ car insurance requirements are more robust than what many states mandate, but it still may not be enough coverage for you. You may want to consider the following optional coverages for more protection:
Gap coverage
Gap insurance covers the difference between what your car is worth and what you still owe on the auto loan or lease.
Comprehensive coverage
Comprehensive insurance covers non-accident-related damages to your car. It will pay for damages caused by a fire, natural disaster, break-in, or riot.
Collision coverage
Collision insurance pays to repair or replace your vehicle if you’re involved in an accident with another car or object. For example, collision coverage will kick in if you run into a tree or mailbox.
Roadside assistance coverage
Roadside assistance coverage provides emergency services if the unexpected happens. You can use roadside assistance if you need a tow, get a flat tire, or your car battery dies.
Cheapest car insurance for drivers with an incident
A driving incident includes any speeding tickets, DUIs, at-fault accidents, or other moving violations. If you have a history of driving incidents, your insurance company sees you as more risky to insure and you’ll pay higher rates for auto insurance.[3]
The following table outlines how different driving incidents can affect your liability car insurance rates.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Root | $59 | $86 | $88 | $90 |
| Dairyland | $67 | $91 | $93 | $113 |
| CSAA | $68 | $94 | $99 | $104 |
| Safeco | $68 | $94 | $95 | $107 |
| National General | $70 | $96 | $98 | $118 |
| Direct Auto | $80 | $109 | $115 | $135 |
| Bristol West | $83 | $114 | $116 | $140 |
| Liberty Mutual | $88 | $129 | $131 | $149 |
| The General | $91 | $126 | $130 | $154 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Teen drivers pay the highest rates for car insurance due to their lack of experience behind the wheel. Drivers between the ages of 16 and 19 have a fatal crash rate nearly three times higher than drivers older than 20.[4]
Rates begin to decrease around age 35 but increase again for senior drivers starting at age 70. Here’s how much car insurance costs in Manhattan for different age groups.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $337 |
| 20s | $237 |
| 30s | $171 |
| 40s | $154 |
| 50s | $137 |
| 60s | $123 |
| 70s | $131 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Manhattan, KS
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Manhattan car insurance quotes by credit tier
Kansas is one of many states that allow insurers to consider credit scores when determining auto insurance rates. That’s because data shows that drivers with poor credit scores file more claims than drivers with excellent or good credit scores.[5]
The chart below shows how much you might pay for car insurance based on your credit score.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Manhattan car insurance FAQs
If you’re shopping for car insurance in Manhattan, Kansas, this additional information may help as you research your coverage options.
How much is car insurance in Manhattan?
Car insurance in Manhattan costs $70 per month for liability-only coverage and $155 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in Manhattan?
Root has the cheapest car insurance in Manhattan, with a monthly liability-only rate of $59. Dairyland and CSAA also offer affordable liability coverage, with monthly rates of $67 and $68, respectively.
The cheapest company for you will depend on factors like your age, ZIP code, chosen coverage levels, and the type of car you drive.
What are the best car insurance companies in Manhattan?
Safeco is one of the best car insurance companies in Manhattan. It has a strong AM Best financial strength rating, low rates, and offers savings for people with a clean driving record. Other top insurers to consider include Dairyland and Liberty Mutual.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Kansas
Sources
- Insurance Information Institute. "How to save money on car insurance."
- Kansas Insurance Department. "Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Institute for Highway Safety. "Teenagers."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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