Cheapest Car Insurance Quotes in Effingham

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Effingham 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 Effingham

The car insurance rate in Effingham is $1000 for a six-month policy, which is $53 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $418, making it a popular choice for budget-conscious drivers. Rates in Effingham 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 Effingham

$1000

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Effingham

1st place: American Family

At $418 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 $440 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $700 for six months, making it the third cheapest auto insurance company in Effingham.

Effingham Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Effingham, KS is American Family, offering policies at just $418 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $440.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1823 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Effingham drivers find the best deals.

Cheap Car Insurance Companies in Effingham, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$418	$69
Auto-Owners Insurance Co	$440	$75
USAA	$700	$118
Travelers	$716	$121
Shelter	$875	$147
Auto-Owners	$931	$159
State Farm	$1033	$174
Nationwide	$1078	$181
Farmers	$1129	$190
Progressive	$1151	$194
Encompass	$1196	$200
Allstate	$1518	$256
Farm Bureau	$1823	$304

Key Takeaways

Way's key takeaways about car insurance in Effingham

The auto insurance costs in Effingham fall around $418 for six months.
The cheapest auto insurance company in Effingham is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Effingham at $1067 per month.

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Cheapest Minimum Liability Car Insurance in Effingham

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 Effingham are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Effingham. Their Average 6 Month Premium is $158. Encompass is the most expensive at $226 for the same period.

Cheapest Liability Coverage in Effingham, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$158	$27
USAA	$158	$27
Iowa Farm Bureau	$198	$33
Farmers Union Insurance	$209	$35
American Family	$220	$37
Travelers	$220	$37
Auto-Owners	$226	$38
Electric	$226	$38
Kansas Farm Bureau	$237	$40
State Farm	$265	$45
Progressive	$299	$50
Shelter	$305	$51
Farm Bureau	$384	$66
Farmers	$424	$71
Allstate	$553	$93
Nationwide	$672	$112
Encompass	$226	$38

Cheapest Full Coverage Car Insurance in Effingham

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 Effingham is American Family at $69 per month and $418 for six months.

Cheapest Full Coverage Car Insurance Quotes in Effingham, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$418	$69
Auto-Owners Insurance Co	$440	$75
USAA	$700	$118
Travelers	$716	$121
Shelter	$875	$147
Auto-Owners	$931	$159
State Farm	$1033	$174
Nationwide	$1078	$181
Farmers	$1129	$190
Progressive	$1151	$194
Encompass	$1196	$200
Allstate	$1518	$256
Farm Bureau	$1823	$304

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Average Car Insurance in Effingham 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 Effingham, KS increasing?

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

Car Insurance Premiums by Age in Effingham

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	$713
30s	Nationwide	$612
40s	Nationwide	$496
50s	Nationwide	$454
60s	Nationwide	$433
70s	Nationwide	$469

Cheapest Car Insurance Rates for Teen Drivers in Effingham,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 Effingham at $35 per month. At $6399 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	$209	$35
Iowa Farm Bureau	$232	$39
Farmers Union Insurance	$242	$41
American Family	$265	$45
Kansas Farm Bureau	$311	$53
Travelers	$807	$136
USAA	$1371	$231
State Farm	$2240	$377
Shelter	$2494	$420
Progressive	$2585	$435
Farmers	$2720	$458
Farm Bureau	$3871	$645
Allstate	$4526	$762
Nationwide	$6399	$1067

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 Effingham.

As young drivers face the highest rates in Effingham, Nationwide offers the cheapest auto insurance rates at $713 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 Effingham, American Family is the cheapest car insurance provider. At $372 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 Effingham is State Farm, offering rates of around $5789 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$372	$64
Iowa Farm Bureau	$378	$63
Farmers Union Insurance	$384	$66
Travelers	$892	$150
USAA	$1021	$174
Shelter	$1236	$208
Progressive	$1264	$213
Nationwide	$1416	$238
Farmers	$1507	$254
Allstate	$2630	$438
Farm Bureau	$3346	$569
State Farm	$5789	$965

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

Car Insurance Rates with An Accident in Effingham

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

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

The cheapest car insurance companies after an at-fault accident in Effingham include AutoOwners Insurance Co and American Family, offering $192 and $220, respectively. Encompass is an expensive provider with an average six-month premium of $311.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$192	$32
American Family	$220	$37
Electric	$271	$46
Iowa Farm Bureau	$305	$52
Farmers Union Insurance	$322	$53
Auto-Owners	$338	$58
Kansas Farm Bureau	$428	$71
USAA	$581	$98
Travelers	$587	$99
State Farm	$683	$115
Shelter	$965	$162
Progressive	$1236	$208
Farmers	$2054	$346
Allstate	$2286	$385
Farm Bureau	$2455	$409
Nationwide	$3138	$534
Encompass	$311	$53

Effingham Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Effingham KS. For example, the car insurance in Effingham after a DUI increases to $965 for a six month policy. While the rate increases by $215 for a six-month policy in the case of a speeding ticket.

Effingham auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1106	$184
One Med/PIP claim	$1106	$188
Not-at-fault accident	$1134	$189
Two Med/PIP claims	$1185	$201
One comp claim	$1190	$199
Failure to show documents	$1225	$208
Two comp claims	$1236	$206
Failure to wear a seat belt	$1247	$212
Child safety restraint	$1281	$214
Driving with expired registration	$1281	$218
Driving without lights	$1281	$214
Speeding 6 - 10 MPH over limit	$1321	$224
Cell phone violation	$1338	$223
Driving too slowly	$1338	$227
Texting while driving	$1338	$223
Failure to yield	$1349	$229
Following too closely	$1349	$225
Illegal turn	$1349	$229
Wrong way/wrong lane	$1349	$225
In 65 MPH zone	$1355	$230
Speeding 11 - 15 MPH over limit	$1355	$226
Failure to stop at a red light	$1360	$231
Improper passing	$1360	$227
Speeding in school zone	$1360	$231
Speeding 16 - 20 MPH over limit	$1365	$228
Open container	$1377	$234
Operating a vehicle without permission	$1388	$232
Passing school bus	$1399	$238
Speeding 21 - 25 MPH over limit	$1399	$234
At-fault accident - less than $1000	$1416	$241
At-fault accident - $1000-$2000	$1563	$260
At-fault accident - greater than $2000	$1563	$266
Racing	$1727	$288
Reckless driving	$1873	$318
Driving with a suspended license	$2031	$338
Refusal to submit to a chemical test	$2054	$350
DUI	$2071	$345
Leaving scene of an accident/hit and run	$2156	$367

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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 Effingham 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 Effingham.

The cheapest car insurance premiums in Effingham are offered by American Family at $254 for a six-month policy. However, it can be as expensive as $4311 with companies like Farm Bureau.

Effingham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$254	$43
Farmers Union Insurance	$372	$64
Travelers	$615	$104
Progressive	$790	$133
State Farm	$1004	$169
USAA	$1055	$178
Farmers	$1355	$228
Shelter	$1405	$237
Allstate	$1896	$319
Nationwide	$4283	$729
Farm Bureau	$4311	$718

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 Effingham are offered by Iowa Farm Bureau at $248. However, it can be as expensive as $2574 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Effingham after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$248	$42
American Family	$254	$43
Auto-Owners Insurance Co	$259	$44
Farmers Union Insurance	$276	$47
State Farm	$672	$113
Travelers	$683	$115
USAA	$694	$116
Progressive	$942	$159
Farmers	$1270	$214
Shelter	$1303	$221
Allstate	$1902	$317
Farm Bureau	$2286	$389
Nationwide	$2574	$428

Car Insurance Price Trends in Effingham, Kansas

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

The average cost of full coverage in the Effingham rose by $207 in January compared to $176 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 Effingham rose to $48 in January, compared to $44 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 Effingham?

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

What is the cheapest car insurance in Effingham?

The cheapest car insurance in Effingham is $69 per month for full coverage.

How much is car insurance in Effingham for teenagers?

Car insurance for teenagers costs $209 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 Effingham?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $168 per month to insure your car in Effingham.

Is car insurance expensive in Effingham?

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

Cheapest Car Insurance Quotes in Effingham

Why you can trust Way?

How Much Is Car Insurance in Effingham

Avg. Car Insurance in Effingham

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Effingham

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Effingham Car Insurance Rates by Company

Cheap Car Insurance Companies in Effingham, KS

Way's key takeaways about car insurance in Effingham

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Effingham

Cheapest Liability Coverage in Effingham, KS

Cheapest Full Coverage Car Insurance in Effingham

Cheapest Full Coverage Car Insurance Quotes in Effingham, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Effingham by Rating Factor

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

Car Insurance Premiums by Age in Effingham

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Effingham,KS

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

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 Effingham

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

Effingham Car Insurance Rates by Violation

Effingham auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Effingham after a DUI

Effingham car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Effingham after Speeding ticket

Car Insurance Price Trends in Effingham, Kansas

Average Car Insurance Cost in Effingham by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Effingham, KS

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

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