Cheapest Car Insurance Quotes in Baxter Springs

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Baxter Springs Car Insurance

^$ 27

/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 Baxter Springs

The car insurance rate in Baxter Springs is $964 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $463, making it a popular choice for budget-conscious drivers. Rates in Baxter Springs 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 Baxter Springs

$964

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Baxter Springs

1st place: AutoOwners Insurance Co

At $463 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $683 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $725 for six months, making it the third cheapest auto insurance company in Baxter Springs.

Baxter Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Baxter Springs, KS is AutoOwners Insurance Co, offering policies at just $463 for a six-month term. This is followed by Travelers, which has an average six-month premium of $683.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1538 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Baxter Springs drivers find the best deals.

Cheap Car Insurance Companies in Baxter Springs, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$463	$77
Travelers	$683	$115
American Family	$725	$122
USAA	$725	$122
Nationwide	$790	$133
Shelter	$855	$144
Auto-Owners	$980	$163
State Farm	$992	$167
Progressive	$1087	$183
Farmers	$1117	$188
Encompass	$1259	$210
Farm Bureau	$1325	$225
Allstate	$1538	$259

Key Takeaways

Way's key takeaways about car insurance in Baxter Springs

The auto insurance costs in Baxter Springs fall around $463 for six months.
The cheapest auto insurance company in Baxter Springs is USAA.
Teen drivers pay the highest rate in Baxter Springs at $769 per month.

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Cheapest Minimum Liability Car Insurance in Baxter Springs

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 Baxter Springs are given below.

USAA provides the cheapest minimum car insurance coverage in Baxter Springs. Their Average 6 Month Premium is $160. Encompass is the most expensive at $238 for the same period.

Cheapest Liability Coverage in Baxter Springs, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$160	$27
Auto-Owners Insurance Co	$166	$28
Iowa Farm Bureau	$208	$35
Farmers Union Insurance	$220	$37
Travelers	$226	$38
Auto-Owners	$238	$40
Electric	$238	$40
Kansas Farm Bureau	$249	$42
Progressive	$255	$43
American Family	$261	$44
State Farm	$261	$44
Farm Bureau	$267	$45
Shelter	$303	$51
Farmers	$434	$73
Allstate	$576	$97
Encompass	$238	$40

Cheapest Full Coverage Car Insurance in Baxter Springs

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 Baxter Springs is AutoOwners Insurance Co at $77 per month and $463 for six months.

Cheapest Full Coverage Car Insurance Quotes in Baxter Springs, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$463	$77
Travelers	$683	$115
American Family	$725	$122
USAA	$725	$122
Nationwide	$790	$133
Shelter	$855	$144
Auto-Owners	$980	$163
State Farm	$992	$167
Progressive	$1087	$183
Farmers	$1117	$188
Encompass	$1259	$210
Farm Bureau	$1325	$225
Allstate	$1538	$259

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Average Car Insurance in Baxter Springs 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 Baxter Springs, KS increasing?

Despite maintaining a clean driving record, your car insurance rates in Baxter Springs, 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, Baxter Springs's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Baxter Springs

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	$764
30s	Nationwide	$657
40s	Nationwide	$532
50s	Nationwide	$487
60s	Nationwide	$464
70s	Nationwide	$504

Cheapest Car Insurance Rates for Teen Drivers in Baxter Springs,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 Baxter Springs at $37 per month. At $4568 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$220	$37
Iowa Farm Bureau	$244	$41
Farmers Union Insurance	$255	$43
Kansas Farm Bureau	$327	$54
Travelers	$707	$119
American Family	$1247	$210
USAA	$1479	$249
State Farm	$2085	$351
Shelter	$2323	$391
Progressive	$2340	$394
Farmers	$2697	$454
Farm Bureau	$2982	$497
Allstate	$4568	$769

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 Baxter Springs.

As young drivers face the highest rates in Baxter Springs, Nationwide offers the cheapest auto insurance rates at $764 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 Baxter Springs, Iowa Farm Bureau is the cheapest car insurance provider. At $398 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 Baxter Springs is State Farm, offering rates of around $4194 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$398	$68
Farmers Union Insurance	$404	$67
Nationwide	$434	$74
Travelers	$760	$128
USAA	$968	$165
Progressive	$992	$167
Shelter	$1075	$181
American Family	$1099	$185
Farmers	$1426	$240
Farm Bureau	$2447	$408
Allstate	$2566	$436
State Farm	$4194	$699

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

Car Insurance Rates with An Accident in Baxter Springs

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 Baxter Springs, KS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Baxter Springs

The cheapest car insurance companies after an at-fault accident in Baxter Springs include AutoOwners Insurance Co and Electric, offering $202 and $285, respectively. Encompass is an expensive provider with an average six-month premium of $327.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$202	$34
Electric	$285	$48
Iowa Farm Bureau	$321	$53
Farmers Union Insurance	$339	$58
Auto-Owners	$356	$59
Kansas Farm Bureau	$451	$77
Travelers	$511	$86
USAA	$588	$99
State Farm	$653	$110
American Family	$695	$117
Shelter	$915	$154
Progressive	$1152	$194
Farmers	$2002	$337
Farm Bureau	$2008	$341
Allstate	$2222	$374
Encompass	$327	$56

Baxter Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Baxter Springs KS. For example, the car insurance in Baxter Springs after a DUI increases to $1016 for a six month policy. While the rate increases by $226 for a six-month policy in the case of a speeding ticket.

Baxter Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1164	$194
One Med/PIP claim	$1164	$198
Not-at-fault accident	$1194	$199
Two Med/PIP claims	$1247	$212
One comp claim	$1253	$209
Failure to show documents	$1289	$219
Two comp claims	$1301	$217
Failure to wear a seat belt	$1313	$223
Child safety restraint	$1348	$225
Driving with expired registration	$1348	$229
Driving without lights	$1348	$225
Speeding 6 - 10 MPH over limit	$1390	$236
Cell phone violation	$1408	$235
Driving too slowly	$1408	$239
Texting while driving	$1408	$235
Failure to yield	$1420	$241
Following too closely	$1420	$237
Illegal turn	$1420	$241
Wrong way/wrong lane	$1420	$237
In 65 MPH zone	$1426	$242
Speeding 11 - 15 MPH over limit	$1426	$238
Failure to stop at a red light	$1432	$243
Improper passing	$1432	$239
Speeding in school zone	$1432	$243
Speeding 16 - 20 MPH over limit	$1437	$240
Open container	$1449	$246
Operating a vehicle without permission	$1461	$244
Passing school bus	$1473	$250
Speeding 21 - 25 MPH over limit	$1473	$246
At-fault accident - less than $1000	$1491	$254
At-fault accident - $1000-$2000	$1645	$274
At-fault accident - greater than $2000	$1645	$280
Racing	$1818	$303
Reckless driving	$1972	$335
Driving with a suspended license	$2138	$356
Refusal to submit to a chemical test	$2162	$368
DUI	$2180	$363
Leaving scene of an accident/hit and run	$2269	$386

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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 Baxter Springs 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 Baxter Springs.

The cheapest car insurance premiums in Baxter Springs are offered by Farmers Union Insurance at $392 for a six-month policy. However, it can be as expensive as $3148 with companies like Farm Bureau.

Baxter Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$392	$67
Travelers	$541	$91
American Family	$642	$108
Progressive	$725	$122
State Farm	$885	$149
USAA	$1140	$192
Shelter	$1307	$220
Farmers	$1331	$224
Allstate	$1913	$322
Farm Bureau	$3148	$525

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 Baxter Springs are offered by Iowa Farm Bureau at $261. However, it can be as expensive as $3398 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Baxter Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$261	$44
Auto-Owners Insurance Co	$273	$46
Farmers Union Insurance	$291	$49
Travelers	$576	$97
American Family	$624	$105
USAA	$630	$105
State Farm	$642	$108
Progressive	$861	$145
Farm Bureau	$1135	$193
Shelter	$1265	$211
Farmers	$1360	$229
Allstate	$3398	$566

Car Insurance Price Trends in Baxter Springs, Kansas

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

The average cost of full coverage in the Baxter Springs rose by $185 in December compared to $184 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Baxter Springs rose to $46 in December, compared to $45 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Baxter Springs?

The car insurance in Baxter Springs is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Baxter Springs?

The cheapest car insurance in Baxter Springs is $77 per month for full coverage.

How much is car insurance in Baxter Springs for teenagers?

Car insurance for teenagers costs $220 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 Baxter Springs?

The average cost of car insurance is $964 for a six-month policy. It will cost around $162 per month to insure your car in Baxter Springs.

Is car insurance expensive in Baxter Springs?

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

Cheapest Car Insurance Quotes in Baxter Springs

Why you can trust Way?

How Much Is Car Insurance in Baxter Springs

Avg. Car Insurance in Baxter Springs

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Baxter Springs

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Baxter Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Baxter Springs, KS

Way's key takeaways about car insurance in Baxter Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Baxter Springs

Cheapest Liability Coverage in Baxter Springs, KS

Cheapest Full Coverage Car Insurance in Baxter Springs

Cheapest Full Coverage Car Insurance Quotes in Baxter Springs, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Baxter Springs by Rating Factor

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

Car Insurance Premiums by Age in Baxter Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Baxter Springs,KS

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

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 Baxter Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Baxter Springs

Baxter Springs Car Insurance Rates by Violation

Baxter Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Baxter Springs after a DUI

Baxter Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Baxter Springs after Speeding ticket

Car Insurance Price Trends in Baxter Springs, Kansas

Average Car Insurance Cost in Baxter Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Baxter Springs, KS

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

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