Cheapest Car Insurance Quotes in Bunker Hill

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Bunker Hill Car Insurance

^$ 29

/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 Bunker Hill

The car insurance rate in Bunker Hill is $1106 for a six-month policy, which is $53 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $462, making it a popular choice for budget-conscious drivers. Rates in Bunker Hill 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 Bunker Hill

$1106

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Bunker Hill

1st place: American Family

At $462 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 $486 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $774 for six months, making it the third cheapest auto insurance company in Bunker Hill.

Bunker Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bunker Hill, KS is American Family, offering policies at just $462 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $486.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2015 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bunker Hill drivers find the best deals.

Cheap Car Insurance Companies in Bunker Hill, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$462	$77
Auto-Owners Insurance Co	$486	$83
USAA	$774	$130
Travelers	$792	$133
Shelter	$967	$163
Auto-Owners	$1029	$175
State Farm	$1141	$192
Nationwide	$1192	$201
Farmers	$1247	$210
Progressive	$1273	$214
Encompass	$1322	$221
Allstate	$1678	$282
Farm Bureau	$2015	$336

Key Takeaways

Way's key takeaways about car insurance in Bunker Hill

The auto insurance costs in Bunker Hill fall around $462 for six months.
The cheapest auto insurance company in Bunker Hill is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Bunker Hill at $1179 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 Bunker Hill

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 Bunker Hill are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Bunker Hill. Their Average 6 Month Premium is $174. Encompass is the most expensive at $250 for the same period.

Cheapest Liability Coverage in Bunker Hill, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$174	$29
USAA	$174	$29
Iowa Farm Bureau	$218	$37
Farmers Union Insurance	$231	$39
American Family	$244	$41
Travelers	$244	$41
Auto-Owners	$250	$42
Electric	$250	$42
Kansas Farm Bureau	$261	$44
State Farm	$293	$49
Progressive	$331	$56
Shelter	$337	$57
Farm Bureau	$424	$72
Farmers	$468	$79
Allstate	$611	$103
Nationwide	$742	$124
Encompass	$250	$42

Cheapest Full Coverage Car Insurance in Bunker Hill

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 Bunker Hill is American Family at $77 per month and $462 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bunker Hill, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$462	$77
Auto-Owners Insurance Co	$486	$83
USAA	$774	$130
Travelers	$792	$133
Shelter	$967	$163
Auto-Owners	$1029	$175
State Farm	$1141	$192
Nationwide	$1192	$201
Farmers	$1247	$210
Progressive	$1273	$214
Encompass	$1322	$221
Allstate	$1678	$282
Farm Bureau	$2015	$336

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Average Car Insurance in Bunker Hill 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 Bunker Hill, KS increasing?

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

Car Insurance Premiums by Age in Bunker Hill

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	$788
30s	Nationwide	$676
40s	Nationwide	$548
50s	Nationwide	$502
60s	Nationwide	$479
70s	Nationwide	$519

Cheapest Car Insurance Rates for Teen Drivers in Bunker Hill,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 Bunker Hill at $39 per month. At $7073 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	$231	$39
Iowa Farm Bureau	$256	$43
Farmers Union Insurance	$268	$45
American Family	$293	$49
Kansas Farm Bureau	$343	$59
Travelers	$891	$150
USAA	$1515	$255
State Farm	$2476	$417
Shelter	$2756	$464
Progressive	$2857	$481
Farmers	$3006	$506
Farm Bureau	$4279	$713
Allstate	$5002	$842
Nationwide	$7073	$1179

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 Bunker Hill.

As young drivers face the highest rates in Bunker Hill, Nationwide offers the cheapest auto insurance rates at $788 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 Bunker Hill, American Family is the cheapest car insurance provider. At $412 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 Bunker Hill is State Farm, offering rates of around $6399 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$412	$70
Iowa Farm Bureau	$418	$69
Farmers Union Insurance	$424	$72
Travelers	$986	$166
USAA	$1129	$192
Shelter	$1366	$230
Progressive	$1398	$235
Nationwide	$1566	$264
Farmers	$1665	$280
Allstate	$2906	$484
Farm Bureau	$3698	$629
State Farm	$6399	$1067

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Bunker Hill

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 Bunker Hill, KS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bunker Hill

The cheapest car insurance companies after an at-fault accident in Bunker Hill include AutoOwners Insurance Co and American Family, offering $212 and $244, respectively. Encompass is an expensive provider with an average six-month premium of $343.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$212	$36
American Family	$244	$41
Electric	$299	$50
Iowa Farm Bureau	$337	$58
Farmers Union Insurance	$356	$59
Auto-Owners	$374	$64
Kansas Farm Bureau	$474	$79
USAA	$643	$108
Travelers	$649	$109
State Farm	$755	$127
Shelter	$1067	$180
Progressive	$1366	$230
Farmers	$2270	$382
Allstate	$2526	$425
Farm Bureau	$2713	$453
Nationwide	$3468	$590
Encompass	$343	$59

Bunker Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bunker Hill KS. For example, the car insurance in Bunker Hill after a DUI increases to $1067 for a six month policy. While the rate increases by $238 for a six-month policy in the case of a speeding ticket.

Bunker Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1222	$204
One Med/PIP claim	$1222	$208
Not-at-fault accident	$1254	$209
Two Med/PIP claims	$1309	$223
One comp claim	$1316	$219
Failure to show documents	$1353	$230
Two comp claims	$1366	$228
Failure to wear a seat belt	$1379	$234
Child safety restraint	$1415	$236
Driving with expired registration	$1415	$240
Driving without lights	$1415	$236
Speeding 6 - 10 MPH over limit	$1460	$248
Cell phone violation	$1478	$247
Driving too slowly	$1478	$251
Texting while driving	$1478	$247
Failure to yield	$1491	$253
Following too closely	$1491	$249
Illegal turn	$1491	$253
Wrong way/wrong lane	$1491	$249
In 65 MPH zone	$1497	$254
Speeding 11 - 15 MPH over limit	$1497	$250
Failure to stop at a red light	$1504	$255
Improper passing	$1504	$251
Speeding in school zone	$1504	$255
Speeding 16 - 20 MPH over limit	$1509	$252
Open container	$1521	$258
Operating a vehicle without permission	$1534	$256
Passing school bus	$1547	$263
Speeding 21 - 25 MPH over limit	$1547	$258
At-fault accident - less than $1000	$1566	$267
At-fault accident - $1000-$2000	$1727	$288
At-fault accident - greater than $2000	$1727	$294
Racing	$1909	$318
Reckless driving	$2071	$352
Driving with a suspended license	$2245	$374
Refusal to submit to a chemical test	$2270	$386
DUI	$2289	$381
Leaving scene of an accident/hit and run	$2382	$405

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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 Bunker Hill 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 Bunker Hill.

The cheapest car insurance premiums in Bunker Hill are offered by American Family at $280 for a six-month policy. However, it can be as expensive as $4765 with companies like Farm Bureau.

Bunker Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$280	$47
Farmers Union Insurance	$412	$70
Travelers	$679	$114
Progressive	$874	$147
State Farm	$1110	$187
USAA	$1167	$196
Farmers	$1497	$252
Shelter	$1553	$261
Allstate	$2096	$353
Nationwide	$4733	$805
Farm Bureau	$4765	$794

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 Bunker Hill are offered by Iowa Farm Bureau at $274. However, it can be as expensive as $2844 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Bunker Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$274	$46
American Family	$280	$47
Auto-Owners Insurance Co	$287	$48
Farmers Union Insurance	$306	$51
State Farm	$742	$125
Travelers	$755	$127
USAA	$768	$128
Progressive	$1042	$175
Farmers	$1404	$236
Shelter	$1441	$245
Allstate	$2102	$351
Farm Bureau	$2526	$429
Nationwide	$2844	$474

Car Insurance Price Trends in Bunker Hill, Kansas

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

The average cost of full coverage in the Bunker Hill rose by $229 in January compared to $194 of December. In other words, there has been an increase by $35 when you compare January and December.

The average cost of liability insurance in the Bunker Hill rose to $53 in January, compared to $48 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bunker Hill?

The car insurance in Bunker Hill is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Bunker Hill?

The cheapest car insurance in Bunker Hill is $77 per month for full coverage.

How much is car insurance in Bunker Hill for teenagers?

Car insurance for teenagers costs $231 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 Bunker Hill?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $186 per month to insure your car in Bunker Hill.

Is car insurance expensive in Bunker Hill?

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

Cheapest Car Insurance Quotes in Bunker Hill

Why you can trust Way?

How Much Is Car Insurance in Bunker Hill

Avg. Car Insurance in Bunker Hill

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Bunker Hill

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Bunker Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Bunker Hill, KS

Way's key takeaways about car insurance in Bunker Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bunker Hill

Cheapest Liability Coverage in Bunker Hill, KS

Cheapest Full Coverage Car Insurance in Bunker Hill

Cheapest Full Coverage Car Insurance Quotes in Bunker Hill, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bunker Hill by Rating Factor

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

Car Insurance Premiums by Age in Bunker Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bunker Hill,KS

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

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 Bunker Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Bunker Hill

Bunker Hill Car Insurance Rates by Violation

Bunker Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bunker Hill after a DUI

Bunker Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bunker Hill after Speeding ticket

Car Insurance Price Trends in Bunker Hill, Kansas

Average Car Insurance Cost in Bunker Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bunker Hill, KS

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

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