Cheap Auto Insurance Quotes in Hays, KS (January 2022)

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Last Updated: January 2022

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.
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Cheapest Car Insurance in Hays, KS

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

KansasWichitaKansas CityOlatheTopekaHays
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Hays, KS Driving Facts


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 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 in 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 in 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: {{percentDrivers}}%
  • Drivers in Hays, KS with a DUI in their driving history paid on average {{overpay}}% more than drivers with a clean record

Speeding in 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: {{percentDrivers}}%
  • Drivers in Hays, KS with a speeding ticket in their driving history paid on average {{overpay}}% more than drivers with a clean record


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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