Cheapest Car Insurance Quotes in De Soto

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De Soto Car Insurance

^$ 26

/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 De Soto

The car insurance rate in De Soto is $979 for a six-month policy, which is $74 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $409, making it a popular choice for budget-conscious drivers. Rates in De Soto 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 De Soto

$979

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in De Soto

1st place: American Family

At $409 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 $431 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $685 for six months, making it the third cheapest auto insurance company in De Soto.

De Soto Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in De Soto, KS is American Family, offering policies at just $409 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $431.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1785 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help De Soto drivers find the best deals.

Cheap Car Insurance Companies in De Soto, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$409	$68
Auto-Owners Insurance Co	$431	$73
USAA	$685	$115
Travelers	$701	$118
Shelter	$857	$144
Auto-Owners	$911	$155
State Farm	$1011	$170
Nationwide	$1056	$178
Farmers	$1105	$186
Progressive	$1127	$190
Encompass	$1171	$195
Allstate	$1486	$250
Farm Bureau	$1785	$298

Key Takeaways

Way's key takeaways about car insurance in De Soto

The auto insurance costs in De Soto fall around $409 for six months.
The cheapest auto insurance company in De Soto is AutoOwners Insurance Co.
Teen drivers pay the highest rate in De Soto at $1044 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 De Soto

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 De Soto are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in De Soto. Their Average 6 Month Premium is $154. Encompass is the most expensive at $221 for the same period.

Cheapest Liability Coverage in De Soto, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$154	$26
USAA	$154	$26
Iowa Farm Bureau	$193	$33
Farmers Union Insurance	$205	$34
American Family	$216	$36
Travelers	$216	$36
Auto-Owners	$221	$37
Electric	$221	$37
Kansas Farm Bureau	$232	$39
State Farm	$259	$44
Progressive	$293	$49
Shelter	$299	$50
Farm Bureau	$376	$64
Farmers	$415	$70
Allstate	$541	$91
Nationwide	$658	$110
Encompass	$221	$37

Cheapest Full Coverage Car Insurance in De Soto

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 De Soto is American Family at $68 per month and $409 for six months.

Cheapest Full Coverage Car Insurance Quotes in De Soto, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$409	$68
Auto-Owners Insurance Co	$431	$73
USAA	$685	$115
Travelers	$701	$118
Shelter	$857	$144
Auto-Owners	$911	$155
State Farm	$1011	$170
Nationwide	$1056	$178
Farmers	$1105	$186
Progressive	$1127	$190
Encompass	$1171	$195
Allstate	$1486	$250
Farm Bureau	$1785	$298

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Average Car Insurance in De Soto 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 De Soto, KS increasing?

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

Car Insurance Premiums by Age in De Soto

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	$698
30s	Nationwide	$599
40s	Nationwide	$485
50s	Nationwide	$445
60s	Nationwide	$424
70s	Nationwide	$459

Cheapest Car Insurance Rates for Teen Drivers in De Soto,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 De Soto at $34 per month. At $6264 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	$205	$34
Iowa Farm Bureau	$227	$38
Farmers Union Insurance	$237	$40
American Family	$259	$44
Kansas Farm Bureau	$304	$52
Travelers	$790	$133
USAA	$1342	$226
State Farm	$2193	$369
Shelter	$2441	$411
Progressive	$2531	$426
Farmers	$2663	$448
Farm Bureau	$3790	$631
Allstate	$4431	$746
Nationwide	$6264	$1044

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 De Soto.

As young drivers face the highest rates in De Soto, Nationwide offers the cheapest auto insurance rates at $698 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 De Soto, American Family is the cheapest car insurance provider. At $365 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 De Soto is State Farm, offering rates of around $5667 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$365	$62
Iowa Farm Bureau	$370	$61
Farmers Union Insurance	$376	$64
Travelers	$873	$147
USAA	$1000	$170
Shelter	$1210	$204
Progressive	$1238	$208
Nationwide	$1387	$233
Farmers	$1475	$248
Allstate	$2574	$429
Farm Bureau	$3275	$557
State Farm	$5667	$945

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

Car Insurance Rates with An Accident in De Soto

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 De Soto, KS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in De Soto

The cheapest car insurance companies after an at-fault accident in De Soto include AutoOwners Insurance Co and American Family, offering $188 and $216, respectively. Encompass is an expensive provider with an average six-month premium of $304.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$188	$32
American Family	$216	$36
Electric	$265	$45
Iowa Farm Bureau	$299	$51
Farmers Union Insurance	$315	$52
Auto-Owners	$331	$57
Kansas Farm Bureau	$419	$70
USAA	$569	$96
Travelers	$575	$97
State Farm	$669	$113
Shelter	$945	$159
Progressive	$1210	$204
Farmers	$2011	$339
Allstate	$2238	$377
Farm Bureau	$2403	$401
Nationwide	$3072	$523
Encompass	$304	$52

De Soto Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in De Soto KS. For example, the car insurance in De Soto after a DUI increases to $944 for a six month policy. While the rate increases by $210 for a six-month policy in the case of a speeding ticket.

De Soto auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1083	$180
One Med/PIP claim	$1083	$184
Not-at-fault accident	$1110	$185
Two Med/PIP claims	$1160	$197
One comp claim	$1165	$194
Failure to show documents	$1199	$204
Two comp claims	$1210	$202
Failure to wear a seat belt	$1221	$207
Child safety restraint	$1254	$209
Driving with expired registration	$1254	$213
Driving without lights	$1254	$209
Speeding 6 - 10 MPH over limit	$1293	$219
Cell phone violation	$1309	$219
Driving too slowly	$1309	$222
Texting while driving	$1309	$219
Failure to yield	$1321	$224
Following too closely	$1321	$220
Illegal turn	$1321	$224
Wrong way/wrong lane	$1321	$220
In 65 MPH zone	$1326	$225
Speeding 11 - 15 MPH over limit	$1326	$221
Failure to stop at a red light	$1332	$226
Improper passing	$1332	$222
Speeding in school zone	$1332	$226
Speeding 16 - 20 MPH over limit	$1336	$223
Open container	$1348	$229
Operating a vehicle without permission	$1359	$227
Passing school bus	$1370	$233
Speeding 21 - 25 MPH over limit	$1370	$229
At-fault accident - less than $1000	$1387	$236
At-fault accident - $1000-$2000	$1530	$255
At-fault accident - greater than $2000	$1530	$260
Racing	$1691	$282
Reckless driving	$1834	$312
Driving with a suspended license	$1988	$331
Refusal to submit to a chemical test	$2011	$342
DUI	$2027	$338
Leaving scene of an accident/hit and run	$2110	$359

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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 De Soto 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 De Soto.

The cheapest car insurance premiums in De Soto are offered by American Family at $248 for a six-month policy. However, it can be as expensive as $4220 with companies like Farm Bureau.

De Soto car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$248	$42
Farmers Union Insurance	$365	$62
Travelers	$602	$101
Progressive	$774	$130
State Farm	$983	$166
USAA	$1033	$174
Farmers	$1326	$223
Shelter	$1375	$232
Allstate	$1856	$312
Nationwide	$4192	$713
Farm Bureau	$4220	$703

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 De Soto are offered by Iowa Farm Bureau at $243. However, it can be as expensive as $2519 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in De Soto after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$243	$41
American Family	$248	$42
Auto-Owners Insurance Co	$254	$43
Farmers Union Insurance	$271	$46
State Farm	$658	$111
Travelers	$669	$113
USAA	$680	$113
Progressive	$923	$155
Farmers	$1243	$209
Shelter	$1276	$217
Allstate	$1862	$311
Farm Bureau	$2238	$380
Nationwide	$2519	$419

Car Insurance Price Trends in De Soto, Kansas

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

The average cost of full coverage in the De Soto rose by $203 in January compared to $172 of December. In other words, there has been an increase by $31 when you compare January and December.

The average cost of liability insurance in the De Soto rose to $47 in January, compared to $43 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 De Soto?

The car insurance in De Soto is $26 per month, which is lower than the national average.

What is the cheapest car insurance in De Soto?

The cheapest car insurance in De Soto is $68 per month for full coverage.

How much is car insurance in De Soto for teenagers?

Car insurance for teenagers costs $205 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 De Soto?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $165 per month to insure your car in De Soto.

Is car insurance expensive in De Soto?

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

Cheapest Car Insurance Quotes in De Soto

Why you can trust Way?

How Much Is Car Insurance in De Soto

Avg. Car Insurance in De Soto

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in De Soto

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

De Soto Car Insurance Rates by Company

Cheap Car Insurance Companies in De Soto, KS

Way's key takeaways about car insurance in De Soto

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in De Soto

Cheapest Liability Coverage in De Soto, KS

Cheapest Full Coverage Car Insurance in De Soto

Cheapest Full Coverage Car Insurance Quotes in De Soto, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in De Soto by Rating Factor

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

Car Insurance Premiums by Age in De Soto

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in De Soto,KS

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

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 De Soto

Cheapest Car Insurance Companies after an At-Fault Accident in De Soto

De Soto Car Insurance Rates by Violation

De Soto auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in De Soto after a DUI

De Soto car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in De Soto after Speeding ticket

Car Insurance Price Trends in De Soto, Kansas

Average Car Insurance Cost in De Soto by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near De Soto, KS

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

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