Cheapest Car Insurance Quotes in Dighton

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Dighton Car Insurance

^$ 31

/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 Dighton

The car insurance rate in Dighton is $1148 for a six-month policy, which is $95 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $480, making it a popular choice for budget-conscious drivers. Rates in Dighton 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 Dighton

$1148

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Dighton

1st place: American Family

At $480 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 $505 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $803 for six months, making it the third cheapest auto insurance company in Dighton.

Dighton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dighton, KS is American Family, offering policies at just $480 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $505.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2092 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dighton drivers find the best deals.

Cheap Car Insurance Companies in Dighton, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$480	$80
Auto-Owners Insurance Co	$505	$86
USAA	$803	$135
Travelers	$822	$138
Shelter	$1004	$169
Auto-Owners	$1068	$182
State Farm	$1185	$199
Nationwide	$1237	$208
Farmers	$1295	$218
Progressive	$1321	$222
Encompass	$1372	$229
Allstate	$1742	$293
Farm Bureau	$2092	$349

Key Takeaways

Way's key takeaways about car insurance in Dighton

The auto insurance costs in Dighton fall around $480 for six months.
The cheapest auto insurance company in Dighton is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Dighton at $1224 per month.

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Cheapest Minimum Liability Car Insurance in Dighton

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 Dighton are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Dighton. Their Average 6 Month Premium is $181. Encompass is the most expensive at $259 for the same period.

Cheapest Liability Coverage in Dighton, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$181	$31
USAA	$181	$31
Iowa Farm Bureau	$227	$38
Farmers Union Insurance	$240	$40
American Family	$253	$43
Travelers	$253	$43
Auto-Owners	$259	$44
Electric	$259	$44
Kansas Farm Bureau	$271	$46
State Farm	$304	$51
Progressive	$343	$58
Shelter	$350	$59
Farm Bureau	$440	$75
Farmers	$486	$82
Allstate	$634	$107
Nationwide	$771	$129
Encompass	$259	$44

Cheapest Full Coverage Car Insurance in Dighton

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 Dighton is American Family at $80 per month and $480 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dighton, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$480	$80
Auto-Owners Insurance Co	$505	$86
USAA	$803	$135
Travelers	$822	$138
Shelter	$1004	$169
Auto-Owners	$1068	$182
State Farm	$1185	$199
Nationwide	$1237	$208
Farmers	$1295	$218
Progressive	$1321	$222
Encompass	$1372	$229
Allstate	$1742	$293
Farm Bureau	$2092	$349

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Average Car Insurance in Dighton 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 Dighton, KS increasing?

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

Car Insurance Premiums by Age in Dighton

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	$818
30s	Nationwide	$702
40s	Nationwide	$569
50s	Nationwide	$521
60s	Nationwide	$497
70s	Nationwide	$538

Cheapest Car Insurance Rates for Teen Drivers in Dighton,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 Dighton at $40 per month. At $7342 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	$240	$40
Iowa Farm Bureau	$266	$45
Farmers Union Insurance	$278	$47
American Family	$304	$51
Kansas Farm Bureau	$356	$61
Travelers	$925	$156
USAA	$1573	$265
State Farm	$2570	$433
Shelter	$2861	$482
Progressive	$2966	$499
Farmers	$3121	$525
Farm Bureau	$4442	$740
Allstate	$5193	$874
Nationwide	$7342	$1224

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 Dighton.

As young drivers face the highest rates in Dighton, Nationwide offers the cheapest auto insurance rates at $818 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 Dighton, American Family is the cheapest car insurance provider. At $427 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 Dighton is State Farm, offering rates of around $6642 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$427	$73
Iowa Farm Bureau	$434	$72
Farmers Union Insurance	$440	$75
Travelers	$1024	$172
USAA	$1172	$199
Shelter	$1418	$239
Progressive	$1451	$244
Nationwide	$1625	$274
Farmers	$1729	$291
Allstate	$3017	$502
Farm Bureau	$3839	$653
State Farm	$6642	$1107

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Dighton

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

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

The cheapest car insurance companies after an at-fault accident in Dighton include AutoOwners Insurance Co and American Family, offering $220 and $253, respectively. Encompass is an expensive provider with an average six-month premium of $356.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$220	$37
American Family	$253	$43
Electric	$311	$52
Iowa Farm Bureau	$350	$60
Farmers Union Insurance	$370	$61
Auto-Owners	$388	$66
Kansas Farm Bureau	$492	$82
USAA	$667	$112
Travelers	$674	$113
State Farm	$784	$132
Shelter	$1107	$186
Progressive	$1418	$239
Farmers	$2357	$397
Allstate	$2623	$441
Farm Bureau	$2817	$470
Nationwide	$3600	$613
Encompass	$356	$61

Dighton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dighton KS. For example, the car insurance in Dighton after a DUI increases to $1107 for a six month policy. While the rate increases by $246 for a six-month policy in the case of a speeding ticket.

Dighton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1269	$211
One Med/PIP claim	$1269	$216
Not-at-fault accident	$1301	$217
Two Med/PIP claims	$1359	$231
One comp claim	$1366	$228
Failure to show documents	$1405	$239
Two comp claims	$1418	$237
Failure to wear a seat belt	$1431	$243
Child safety restraint	$1469	$245
Driving with expired registration	$1469	$250
Driving without lights	$1469	$245
Speeding 6 - 10 MPH over limit	$1515	$257
Cell phone violation	$1535	$256
Driving too slowly	$1535	$261
Texting while driving	$1535	$256
Failure to yield	$1548	$263
Following too closely	$1548	$258
Illegal turn	$1548	$263
Wrong way/wrong lane	$1548	$258
In 65 MPH zone	$1554	$264
Speeding 11 - 15 MPH over limit	$1554	$259
Failure to stop at a red light	$1561	$265
Improper passing	$1561	$261
Speeding in school zone	$1561	$265
Speeding 16 - 20 MPH over limit	$1566	$262
Open container	$1579	$268
Operating a vehicle without permission	$1592	$266
Passing school bus	$1606	$273
Speeding 21 - 25 MPH over limit	$1606	$268
At-fault accident - less than $1000	$1625	$277
At-fault accident - $1000-$2000	$1793	$299
At-fault accident - greater than $2000	$1793	$305
Racing	$1982	$330
Reckless driving	$2149	$365
Driving with a suspended license	$2330	$388
Refusal to submit to a chemical test	$2357	$401
DUI	$2376	$396
Leaving scene of an accident/hit and run	$2473	$421

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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 Dighton 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 Dighton.

The cheapest car insurance premiums in Dighton are offered by American Family at $291 for a six-month policy. However, it can be as expensive as $4946 with companies like Farm Bureau.

Dighton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$291	$49
Farmers Union Insurance	$427	$73
Travelers	$705	$119
Progressive	$907	$153
State Farm	$1152	$194
USAA	$1211	$204
Farmers	$1554	$262
Shelter	$1612	$271
Allstate	$2176	$366
Nationwide	$4914	$836
Farm Bureau	$4946	$824

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 Dighton are offered by Iowa Farm Bureau at $284. However, it can be as expensive as $2953 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Dighton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$284	$48
American Family	$291	$49
Auto-Owners Insurance Co	$298	$50
Farmers Union Insurance	$317	$53
State Farm	$771	$130
Travelers	$784	$132
USAA	$797	$133
Progressive	$1081	$182
Farmers	$1457	$245
Shelter	$1495	$254
Allstate	$2182	$364
Farm Bureau	$2623	$446
Nationwide	$2953	$492

Car Insurance Price Trends in Dighton, Kansas

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

The average cost of full coverage in the Dighton rose by $238 in January compared to $202 of December. In other words, there has been an increase by $36 when you compare January and December.

The average cost of liability insurance in the Dighton rose to $55 in January, compared to $50 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 Dighton?

The car insurance in Dighton is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Dighton?

The cheapest car insurance in Dighton is $80 per month for full coverage.

How much is car insurance in Dighton for teenagers?

Car insurance for teenagers costs $240 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 Dighton?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $193 per month to insure your car in Dighton.

Is car insurance expensive in Dighton?

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

Cheapest Car Insurance Quotes in Dighton

Why you can trust Way?

How Much Is Car Insurance in Dighton

Avg. Car Insurance in Dighton

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Dighton

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Dighton Car Insurance Rates by Company

Cheap Car Insurance Companies in Dighton, KS

Way's key takeaways about car insurance in Dighton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dighton

Cheapest Liability Coverage in Dighton, KS

Cheapest Full Coverage Car Insurance in Dighton

Cheapest Full Coverage Car Insurance Quotes in Dighton, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dighton by Rating Factor

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

Car Insurance Premiums by Age in Dighton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dighton,KS

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

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 Dighton

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

Dighton Car Insurance Rates by Violation

Dighton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dighton after a DUI

Dighton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dighton after Speeding ticket

Car Insurance Price Trends in Dighton, Kansas

Average Car Insurance Cost in Dighton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dighton, KS

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

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