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

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Last Updated: January 2022

Car Insurance in Salina, KS

Drivers in Salina and other Kansas cities should have car insurance to avoid ending up with unaffordable bills. While the average cost of car insurance in Kansas  is cheaper than the national average, motorists in the sunflower state can save on car insurance if they know where to look. Use Insurify and save money, time, and stress when shopping for auto insurance.

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Cheapest Car Insurance in Salina, KS

Some car insurance companies offer cheaper insurance coverage in Salina than others do. That’s because every insurance company weighs factors like your driving record and credit score a bit differently. Below, you’ll find the average cost for the cheapest car insurance companies in Salina, but you should always compare quotes to find your best rate.

Best Car Insurance in Salina, KS

While finding cheap auto insurance coverage is important, you also want an insurance company that is reliable in paying claims and offers good customer service. We analyzed factors that reflect quality, reliability, and health of an insurance company to calculate its Insurify Composite Score and rank car insurance providers.

Average Car Insurance Cost

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

Salina, KS Driving Facts

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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.

Salina Car Insurance Rates by Driver Age

Your age will significantly impact the cost of your car insurance policy. That’s because young drivers, who are inexperienced on the road and more likely to get into accidents, are a higher risk to insure. Below is what Kansas drivers can expect to pay on average. Keep in mind that these are statewide averages and rates might vary in Salina.

Salina Car Insurance Rates by Driving and Accident History

Your driving record is one of the most important factors in determining your auto insurance premiums. Drivers with speeding tickets, DUIs, and accidents in their driving history will see higher rates because insurance companies see them as a higher risk to insure. Here’s what you can expect to pay in Salina based on infractions (or lack thereof) on your driving record.

Salina Car Insurance Rates by Credit Tier

About 95 percent of insurers use your credit score when determining your rate. That’s because research shows that drivers with bad credit account for a higher percentage of paid claims. If you have good or excellent credit, you’ll likely see lower rates. Here’s what you can expect to pay for car insurance Salina, Kansas, based on your credit score:

Salina DMV Information

Salina, Kansa is home to two offices that fall under the Department of Motor Vehicles. At the Driver’s License Department, Salina drivers can find help for any license related queries or services. Any vehicle registration services, on the other hand, are provided by the Salina County Vehicle Registration office. Both offices are closed Saturdays and Sundays. 

The Salina Driver’s License Department is located at:

2941 Centennial Rd
Salina, KS 67401

The Salina County Vehicle Registration is located at:

300 W Ash St #210
Salina, KS 67401

Public Transportation in Salina

Downtown Salina is fairly walkable, and public transportation options are available as well. The CitiGo Transit service offers a fleet of buses with about 200 stops around Salina, making it easy for residents who don’t want to drive to get around the city. 

For residents who don’t want to drive but prefer the convenience and privacy of a car opposed to a bus, Uber, Lyft, and Taxi services are available in Salina. 

How to Get the Cheapest Car Insurance in Salina

The best way to get the best and cheapest car insurance in Salina is to compare car insurance quotes. The days of talking to multiple insurance agents and going between different provider websites are over. With Insurify, you can compare real-time quotes side-by-side and all in one place to find your best rate in a matter of minutes. 

To get started, just enter a bit of information about yourself and in under five minutes we’ll show you the best rates personalized to you. We’ll provide quotes from national insurance providers such as American Family, Allstate, and State Farm along with quotes from local insurance agencies so you can rest easy knowing you’ve found the best possible rate available.

Insurify Insights: How Salina Drivers Measure Up

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Ford Focus
Most Popular Car in
Salina, KS
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#4
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 Salina 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.

Accidents in Salina

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Salina drivers rank 11 in the number of car accidents per driver across all cities in Kansas.

  • Rank within state: #11
  • Percent of drivers in Salina with an accident: 8.26%
  • Drivers in Salina, KS with an accident in their driving history paid on average 90.91% more than drivers with a clean record

Speeding in Salina

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kansas, Salina drivers rank 1 in the number of speeding infractions per driver.

  • Rank within state: #1
  • Percent of drivers in Salina with a speeding ticket: 17.38%
  • Drivers in Salina, KS with a speeding ticket in their driving history paid on average 10.61% more than drivers with a clean record

DUI/DWIs in Salina

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Salina drivers rank 1 in the number of DUI’s per driver across all cities in Kansas.

  • Rank within state: #1
  • Percent of drivers in Salina with a DUI: 2.85%
  • Drivers in Salina, KS with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Salina

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Salina is the Ford Focus.

Hybrid/Electric Vehicle Ownership in Salina

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Salina drivers rank 1 in hybrid and electric vehicle ownership across all cities in Kansas.

  • Rank within state: #1
  • Percent of drivers in Salina with a hybrid/electric vehicle: 2.16%

FAQs - Salina, KS Car Insurance

How do I find cheap car insurance in Salina, KS?

The easiest way to find the best and cheapest car insurance is to compare quotes using  Insurify. The average Insurify user saves $585 per year just by switching to a cheaper provider they found on the platform. You can also save by bundling your auto insurance policy with other insurance products, like your renters insurance, homeowners insurance, or life insurance.

How much does car insurance cost in Salina, KS?

The average cost of car insurance in Salina is $103 per month, but keep in mind that costs will vary based on factors like a driver’s age, gender, credit score, and driving history. That’s why it’s important to get quotes from multiple insurance providers before making your selection. Insurify makes it easy to collect quotes in one spot.

What drives up car insurance rates in Salina, KS?

There are many different factors that go into determining the cost of your car insurance. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Methodology

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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