Cheapest Car Insurance Quotes in Blue Mound

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Blue Mound Car Insurance

^$ 28

/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 Blue Mound

The car insurance rate in Blue Mound is $1042 for a six-month policy, which is $11 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $436, making it a popular choice for budget-conscious drivers. Rates in Blue Mound 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 Blue Mound

$1042

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Blue Mound

1st place: American Family

At $436 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 $458 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $730 for six months, making it the third cheapest auto insurance company in Blue Mound.

Blue Mound Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Blue Mound, KS is American Family, offering policies at just $436 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $458.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1900 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Blue Mound drivers find the best deals.

Cheap Car Insurance Companies in Blue Mound, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$436	$72
Auto-Owners Insurance Co	$458	$78
USAA	$730	$123
Travelers	$746	$126
Shelter	$912	$153
Auto-Owners	$970	$165
State Farm	$1076	$181
Nationwide	$1124	$189
Farmers	$1176	$198
Progressive	$1200	$202
Encompass	$1246	$208
Allstate	$1582	$266
Farm Bureau	$1900	$317

Key Takeaways

Way's key takeaways about car insurance in Blue Mound

The auto insurance costs in Blue Mound fall around $436 for six months.
The cheapest auto insurance company in Blue Mound is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Blue Mound at $1112 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Blue Mound

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 Blue Mound are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Blue Mound. Their Average 6 Month Premium is $164. Encompass is the most expensive at $236 for the same period.

Cheapest Liability Coverage in Blue Mound, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$164	$28
USAA	$164	$28
Iowa Farm Bureau	$206	$35
Farmers Union Insurance	$218	$37
American Family	$230	$39
Travelers	$230	$39
Auto-Owners	$236	$40
Electric	$236	$40
Kansas Farm Bureau	$247	$42
State Farm	$276	$47
Progressive	$312	$52
Shelter	$318	$53
Farm Bureau	$400	$68
Farmers	$442	$74
Allstate	$576	$97
Nationwide	$700	$117
Encompass	$236	$40

Cheapest Full Coverage Car Insurance in Blue Mound

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 Blue Mound is American Family at $72 per month and $436 for six months.

Cheapest Full Coverage Car Insurance Quotes in Blue Mound, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$436	$72
Auto-Owners Insurance Co	$458	$78
USAA	$730	$123
Travelers	$746	$126
Shelter	$912	$153
Auto-Owners	$970	$165
State Farm	$1076	$181
Nationwide	$1124	$189
Farmers	$1176	$198
Progressive	$1200	$202
Encompass	$1246	$208
Allstate	$1582	$266
Farm Bureau	$1900	$317

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Average Car Insurance in Blue Mound 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 Blue Mound, KS increasing?

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

Car Insurance Premiums by Age in Blue Mound

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	$743
30s	Nationwide	$638
40s	Nationwide	$517
50s	Nationwide	$473
60s	Nationwide	$451
70s	Nationwide	$489

Cheapest Car Insurance Rates for Teen Drivers in Blue Mound,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 Blue Mound at $37 per month. At $6669 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	$218	$37
Iowa Farm Bureau	$242	$41
Farmers Union Insurance	$252	$43
American Family	$276	$47
Kansas Farm Bureau	$324	$55
Travelers	$841	$142
USAA	$1429	$241
State Farm	$2334	$393
Shelter	$2599	$438
Progressive	$2694	$453
Farmers	$2834	$477
Farm Bureau	$4034	$672
Allstate	$4716	$794
Nationwide	$6669	$1112

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 Blue Mound.

As young drivers face the highest rates in Blue Mound, Nationwide offers the cheapest auto insurance rates at $743 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 Blue Mound, American Family is the cheapest car insurance provider. At $388 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 Blue Mound is State Farm, offering rates of around $6033 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$388	$66
Iowa Farm Bureau	$394	$65
Farmers Union Insurance	$400	$68
Travelers	$930	$156
USAA	$1064	$181
Shelter	$1288	$217
Progressive	$1318	$222
Nationwide	$1476	$248
Farmers	$1570	$264
Allstate	$2740	$456
Farm Bureau	$3487	$593
State Farm	$6033	$1006

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

Car Insurance Rates with An Accident in Blue Mound

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 Blue Mound, KS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Blue Mound

The cheapest car insurance companies after an at-fault accident in Blue Mound include AutoOwners Insurance Co and American Family, offering $200 and $230, respectively. Encompass is an expensive provider with an average six-month premium of $324.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$200	$34
American Family	$230	$39
Electric	$282	$48
Iowa Farm Bureau	$318	$54
Farmers Union Insurance	$336	$55
Auto-Owners	$352	$60
Kansas Farm Bureau	$446	$74
USAA	$606	$102
Travelers	$612	$103
State Farm	$712	$120
Shelter	$1006	$169
Progressive	$1288	$217
Farmers	$2140	$360
Allstate	$2382	$401
Farm Bureau	$2558	$427
Nationwide	$3270	$556
Encompass	$324	$55

Blue Mound Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Blue Mound KS. For example, the car insurance in Blue Mound after a DUI increases to $1006 for a six month policy. While the rate increases by $224 for a six-month policy in the case of a speeding ticket.

Blue Mound auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1152	$192
One Med/PIP claim	$1152	$196
Not-at-fault accident	$1182	$197
Two Med/PIP claims	$1235	$210
One comp claim	$1240	$207
Failure to show documents	$1276	$217
Two comp claims	$1288	$215
Failure to wear a seat belt	$1300	$221
Child safety restraint	$1335	$223
Driving with expired registration	$1335	$227
Driving without lights	$1335	$223
Speeding 6 - 10 MPH over limit	$1376	$234
Cell phone violation	$1394	$233
Driving too slowly	$1394	$237
Texting while driving	$1394	$233
Failure to yield	$1406	$239
Following too closely	$1406	$235
Illegal turn	$1406	$239
Wrong way/wrong lane	$1406	$235
In 65 MPH zone	$1412	$240
Speeding 11 - 15 MPH over limit	$1412	$236
Failure to stop at a red light	$1418	$241
Improper passing	$1418	$237
Speeding in school zone	$1418	$241
Speeding 16 - 20 MPH over limit	$1423	$238
Open container	$1435	$244
Operating a vehicle without permission	$1446	$242
Passing school bus	$1458	$248
Speeding 21 - 25 MPH over limit	$1458	$244
At-fault accident - less than $1000	$1476	$251
At-fault accident - $1000-$2000	$1629	$271
At-fault accident - greater than $2000	$1629	$277
Racing	$1800	$300
Reckless driving	$1952	$332
Driving with a suspended license	$2117	$352
Refusal to submit to a chemical test	$2140	$364
DUI	$2158	$359
Leaving scene of an accident/hit and run	$2246	$382

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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 Blue Mound 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 Blue Mound.

The cheapest car insurance premiums in Blue Mound are offered by American Family at $264 for a six-month policy. However, it can be as expensive as $4493 with companies like Farm Bureau.

Blue Mound car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$264	$45
Farmers Union Insurance	$388	$66
Travelers	$641	$108
Progressive	$824	$139
State Farm	$1046	$176
USAA	$1100	$185
Farmers	$1412	$238
Shelter	$1464	$247
Allstate	$1976	$333
Nationwide	$4463	$759
Farm Bureau	$4493	$748

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 Blue Mound are offered by Iowa Farm Bureau at $258. However, it can be as expensive as $2682 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Blue Mound after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$258	$44
American Family	$264	$45
Auto-Owners Insurance Co	$270	$46
Farmers Union Insurance	$288	$49
State Farm	$700	$118
Travelers	$712	$120
USAA	$724	$121
Progressive	$982	$165
Farmers	$1324	$223
Shelter	$1358	$231
Allstate	$1982	$331
Farm Bureau	$2382	$405
Nationwide	$2682	$446

Car Insurance Price Trends in Blue Mound, Kansas

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

The average cost of full coverage in the Blue Mound rose by $216 in January compared to $183 of December. In other words, there has been an increase by $33 when you compare January and December.

The average cost of liability insurance in the Blue Mound rose to $50 in January, compared to $46 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 Blue Mound?

The car insurance in Blue Mound is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Blue Mound?

The cheapest car insurance in Blue Mound is $72 per month for full coverage.

How much is car insurance in Blue Mound for teenagers?

Car insurance for teenagers costs $218 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 Blue Mound?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $175 per month to insure your car in Blue Mound.

Is car insurance expensive in Blue Mound?

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

Cheapest Car Insurance Quotes in Blue Mound

Why you can trust Way?

How Much Is Car Insurance in Blue Mound

Avg. Car Insurance in Blue Mound

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Blue Mound

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Blue Mound Car Insurance Rates by Company

Cheap Car Insurance Companies in Blue Mound, KS

Way's key takeaways about car insurance in Blue Mound

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Blue Mound

Cheapest Liability Coverage in Blue Mound, KS

Cheapest Full Coverage Car Insurance in Blue Mound

Cheapest Full Coverage Car Insurance Quotes in Blue Mound, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Blue Mound by Rating Factor

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

Car Insurance Premiums by Age in Blue Mound

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Blue Mound,KS

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

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 Blue Mound

Cheapest Car Insurance Companies after an At-Fault Accident in Blue Mound

Blue Mound Car Insurance Rates by Violation

Blue Mound auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Blue Mound after a DUI

Blue Mound car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Blue Mound after Speeding ticket

Car Insurance Price Trends in Blue Mound, Kansas

Average Car Insurance Cost in Blue Mound by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Blue Mound, KS

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

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