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The average cost of Kansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Emporia, KS to find you the cheapest quotes in the area.
Here are the cheapest carriers in Emporia for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 Progressive | $30/mo |
 State Farm | $48/mo |
 Nationwide | $87/mo |
 Travelers | $115/mo |
 The General | $195/mo |
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Each state has at least a few differences in how it manages and enforces car insurance laws, so it’s important to understand the quirks and nuances of your state like this one: Is car insurance required in Kansas? Well, yes and no.
It may seem rare, but several states, including Kansas, offer alternatives to carrying insurance. This alternative is called Financial Responsibility in Kansas. Essentially, instead of going through an insurance company to cover damages drivers cause, drivers pay for damages out of their own pockets. Before they can legally drive without a policy, they must file proof of financial responsibility with the state.
For some drivers, this may seem like a great option. But for most everyone, driving without insurance is like walking a tightrope with no safety net—over the Grand Canyon in a windstorm.
If you (hopefully) decide to purchase coverage, then you’ll need to purchase at least the required minimum coverage. These are:
These are called minimum requirements for a reason. Drivers can certainly purchase higher liability coverage limits for themselves and their families, and many drivers should. Once the limits are reached in the event of an accident, the driver at fault will be required to cover damages.
For drivers who often cart around several passengers at a time, it’s easy to see how quickly minimums will be exceeded. The same logic also applies to underinsured/uninsured motorist coverage limits.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Emporia drivers measure up to their fellow Kansas motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Emporia is the Hyundai Sonata.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Emporia drivers rank -- in the number of DUI’s per driver across all cities in Kansas.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kansas, Emporia drivers rank -- in the number of speeding infractions per driver.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
