Cheap Auto Insurance Quotes in Hays, KS (2021)

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Car Insurance in Hays, KS

The average cost of Kansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Hays, KS to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$53
$86
$104
$116
$198
State FarmNationwideProgressiveTravelersThe General
Monthly $

Cheapest Car Insurance in Hays, KS

Here are the cheapest carriers in Hays 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.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$124
$122
$142
$103
$127
$127
KansasWichitaKansas CityOlatheTopekaHays
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Hays, KS Driving Facts

kansas

Minimum Car Insurance Requirements in KS

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:

  • $25,000/$50,000 bodily injury liability per person/accident
  • $25,000 property damage liability
  • $25,000/$50,000 uninsured and underinsured motorist protection 
  • $4,500 personal injury protection coverage per person

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.

Find local Hays agents

Insurance Planning, Inc.
3006 Broadway Avenue, Hays, KS 67601
Bieker Insurance Agency, Inc.
107 W 13th St, Hays, KS 67601-3613
Romme Agency, Inc.
1008 E. 17th St., Hays, KS 67601-2459
American Heritage Agency, Inc.
4325 N. Vine St, Ste 10, Hays, KS 67601-3641
AGPRO Crop Insurance
1504 East 27th Street Ter, Hays, KS 67601-2452
Platinum Insurance
118 E 11Th St, Hays, KS 67601-3604
Matt Lyon - State Farm Insurance Agent
105 E 27th St Ste B, Hays, KS 67601
Farmers Insurance - Chelsy Proehl
2819 Plaza Ave, Hays, KS 67601
Curt Staab Agency LLC American Family Insurance
113 W 8th St, Hays, KS 67601
Wayne Voss - State Farm Insurance Agent
2707 Vine St STE 13, Hays, KS 67601

Insurify Insights: How Hays Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Hays, KS
suspended licenses
#--
Cities with Most
Suspended Licenses Rank

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 Hays 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.

Most Popular Vehicle Hays

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Hays is the Ford F-Series Pickup.

DUI/DWIs Hays

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hays drivers rank -- in the number of DUI’s per driver across all cities in Kansas.

  • Rank within state: #--
  • Percent of drivers in Hays with a DUI: %
  • Drivers in Hays, KS with a DUI in their driving history paid on average % more than drivers with a clean record

Speeding Hays

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kansas, Hays drivers rank -- in the number of speeding infractions per driver.

  • Rank within state: #--
  • Percent of drivers in Hays with a speeding ticket: %
  • Drivers in Hays, KS with a speeding ticket in their driving history paid on average % more than drivers with a clean record

Insurify Rate Comparison Methodology

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.