Cheapest Car Insurance Quotes in Almena

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Almena Car Insurance

^$ 32

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Almena

The car insurance rate in Almena is $1211 for a six-month policy, which is $158 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $506, making it a popular choice for budget-conscious drivers. Rates in Almena can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Almena

$1211

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Almena

1st place: American Family

At $506 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $532 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $848 for six months, making it the third cheapest auto insurance company in Almena.

Almena Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Almena, KS is American Family, offering policies at just $506 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $532.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2207 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Almena drivers find the best deals.

Cheap Car Insurance Companies in Almena, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$506	$84
Auto-Owners Insurance Co	$532	$91
USAA	$848	$143
Travelers	$867	$146
Shelter	$1059	$178
Auto-Owners	$1127	$192
State Farm	$1250	$210
Nationwide	$1305	$220
Farmers	$1366	$230
Progressive	$1394	$235
Encompass	$1448	$241
Allstate	$1838	$309
Farm Bureau	$2207	$368

Key Takeaways

Way's key takeaways about car insurance in Almena

The auto insurance costs in Almena fall around $506 for six months.
The cheapest auto insurance company in Almena is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Almena at $1291 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Almena

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Almena are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Almena. Their Average 6 Month Premium is $191. Encompass is the most expensive at $274 for the same period.

Cheapest Liability Coverage in Almena, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$191	$32
USAA	$191	$32
Iowa Farm Bureau	$239	$40
Farmers Union Insurance	$253	$43
American Family	$267	$45
Travelers	$267	$45
Auto-Owners	$274	$46
Electric	$274	$46
Kansas Farm Bureau	$286	$48
State Farm	$321	$54
Progressive	$362	$61
Shelter	$369	$62
Farm Bureau	$465	$79
Farmers	$513	$86
Allstate	$669	$113
Nationwide	$813	$136
Encompass	$274	$46

Cheapest Full Coverage Car Insurance in Almena

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Almena is American Family at $84 per month and $506 for six months.

Cheapest Full Coverage Car Insurance Quotes in Almena, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$506	$84
Auto-Owners Insurance Co	$532	$91
USAA	$848	$143
Travelers	$867	$146
Shelter	$1059	$178
Auto-Owners	$1127	$192
State Farm	$1250	$210
Nationwide	$1305	$220
Farmers	$1366	$230
Progressive	$1394	$235
Encompass	$1448	$241
Allstate	$1838	$309
Farm Bureau	$2207	$368

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Average Car Insurance in Almena by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Almena, KS increasing?

Despite maintaining a clean driving record, your car insurance rates in Almena, Kansas, may be increasing due to several external factors. Kansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Almena's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Almena

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Nationwide	$862
30s	Nationwide	$741
40s	Nationwide	$600
50s	Nationwide	$550
60s	Nationwide	$524
70s	Nationwide	$568

Cheapest Car Insurance Rates for Teen Drivers in Almena,KS

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Almena at $43 per month. At $7746 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$253	$43
Iowa Farm Bureau	$281	$47
Farmers Union Insurance	$293	$49
American Family	$321	$54
Kansas Farm Bureau	$376	$64
Travelers	$976	$164
USAA	$1659	$279
State Farm	$2712	$457
Shelter	$3019	$508
Progressive	$3129	$527
Farmers	$3292	$554
Farm Bureau	$4686	$781
Allstate	$5479	$922
Nationwide	$7746	$1291

Teen Car Insurance Rates in KS by Age

Way Tip

If you are in your twenties Nationwide is the best choice for car insurance in Almena.

As young drivers face the highest rates in Almena, Nationwide offers the cheapest auto insurance rates at $862 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Almena, American Family is the cheapest car insurance provider. At $451 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Almena is State Farm, offering rates of around $7008 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$451	$77
Iowa Farm Bureau	$458	$76
Farmers Union Insurance	$465	$79
Travelers	$1080	$182
USAA	$1236	$210
Shelter	$1496	$252
Progressive	$1531	$258
Nationwide	$1715	$289
Farmers	$1824	$307
Allstate	$3183	$530
Farm Bureau	$4050	$689
State Farm	$7008	$1168

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Save up to $971/yr on car insurance rates in Almena.

Car Insurance Rates with An Accident in Almena

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Almena, KS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Almena

The cheapest car insurance companies after an at-fault accident in Almena include AutoOwners Insurance Co and American Family, offering $232 and $267, respectively. Encompass is an expensive provider with an average six-month premium of $376.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$232	$39
American Family	$267	$45
Electric	$328	$55
Iowa Farm Bureau	$369	$63
Farmers Union Insurance	$390	$64
Auto-Owners	$409	$70
Kansas Farm Bureau	$519	$86
USAA	$704	$118
Travelers	$711	$120
State Farm	$827	$139
Shelter	$1168	$197
Progressive	$1496	$252
Farmers	$2486	$419
Allstate	$2767	$466
Farm Bureau	$2972	$496
Nationwide	$3798	$646
Encompass	$376	$64

Almena Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Almena KS. For example, the car insurance in Almena after a DUI increases to $1168 for a six month policy. While the rate increases by $259 for a six-month policy in the case of a speeding ticket.

Almena auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1339	$223
One Med/PIP claim	$1339	$228
Not-at-fault accident	$1373	$229
Two Med/PIP claims	$1434	$244
One comp claim	$1441	$240
Failure to show documents	$1482	$252
Two comp claims	$1496	$250
Failure to wear a seat belt	$1510	$256
Child safety restraint	$1550	$259
Driving with expired registration	$1550	$263
Driving without lights	$1550	$259
Speeding 6 - 10 MPH over limit	$1598	$271
Cell phone violation	$1619	$270
Driving too slowly	$1619	$275
Texting while driving	$1619	$270
Failure to yield	$1633	$277
Following too closely	$1633	$273
Illegal turn	$1633	$277
Wrong way/wrong lane	$1633	$273
In 65 MPH zone	$1640	$278
Speeding 11 - 15 MPH over limit	$1640	$274
Failure to stop at a red light	$1647	$279
Improper passing	$1647	$275
Speeding in school zone	$1647	$279
Speeding 16 - 20 MPH over limit	$1653	$276
Open container	$1666	$283
Operating a vehicle without permission	$1680	$281
Passing school bus	$1694	$288
Speeding 21 - 25 MPH over limit	$1694	$283
At-fault accident - less than $1000	$1715	$292
At-fault accident - $1000-$2000	$1892	$315
At-fault accident - greater than $2000	$1892	$322
Racing	$2091	$348
Reckless driving	$2268	$385
Driving with a suspended license	$2459	$409
Refusal to submit to a chemical test	$2486	$423
DUI	$2507	$417
Leaving scene of an accident/hit and run	$2609	$444

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Almena after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Almena.

The cheapest car insurance premiums in Almena are offered by American Family at $307 for a six-month policy. However, it can be as expensive as $5219 with companies like Farm Bureau.

Almena car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$307	$52
Farmers Union Insurance	$451	$77
Travelers	$744	$125
Progressive	$957	$161
State Farm	$1216	$205
USAA	$1278	$215
Farmers	$1640	$276
Shelter	$1701	$286
Allstate	$2295	$386
Nationwide	$5184	$882
Farm Bureau	$5219	$869

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Almena are offered by Iowa Farm Bureau at $300. However, it can be as expensive as $3115 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Almena after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$300	$51
American Family	$307	$52
Auto-Owners Insurance Co	$314	$53
Farmers Union Insurance	$335	$56
State Farm	$813	$137
Travelers	$827	$139
USAA	$841	$140
Progressive	$1141	$192
Farmers	$1538	$259
Shelter	$1578	$268
Allstate	$2302	$384
Farm Bureau	$2767	$470
Nationwide	$3115	$519

Car Insurance Price Trends in Almena, Kansas

Car insurance rates in Almena have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Almena rose by $251 in January compared to $213 of December. In other words, there has been an increase by $38 when you compare January and December.

The average cost of liability insurance in the Almena rose to $57 in January, compared to $53 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Almena?

The car insurance in Almena is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Almena?

The cheapest car insurance in Almena is $84 per month for full coverage.

How much is car insurance in Almena for teenagers?

Car insurance for teenagers costs $253 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Almena?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $204 per month to insure your car in Almena.

Is car insurance expensive in Almena?

Car insurance can be expensive in Almena if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Almena can be affordable.

Cheapest Car Insurance Quotes in Almena

Why you can trust Way?

How Much Is Car Insurance in Almena

Avg. Car Insurance in Almena

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Almena

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Almena Car Insurance Rates by Company

Cheap Car Insurance Companies in Almena, KS

Way's key takeaways about car insurance in Almena

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Almena

Cheapest Liability Coverage in Almena, KS

Cheapest Full Coverage Car Insurance in Almena

Cheapest Full Coverage Car Insurance Quotes in Almena, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Almena by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Almena, KS increasing?

Car Insurance Premiums by Age in Almena

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Almena,KS

If you are in your twenties Nationwide is the best choice for car insurance in Almena.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Almena

Cheapest Car Insurance Companies after an At-Fault Accident in Almena

Almena Car Insurance Rates by Violation

Almena auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Almena after a DUI

Almena car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Almena after Speeding ticket

Car Insurance Price Trends in Almena, Kansas

Average Car Insurance Cost in Almena by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Almena, KS

Car Insurance Rates by State in the USA (2025 Update)

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