Cheapest Car Insurance Quotes in Hesston

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Hesston Car Insurance

^$ 25

/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 Hesston

The car insurance rate in Hesston is $877 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $421, making it a popular choice for budget-conscious drivers. Rates in Hesston 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 Hesston

$877

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Hesston

1st place: AutoOwners Insurance Co

At $421 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $622 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $660 for six months, making it the third cheapest auto insurance company in Hesston.

Hesston Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hesston, KS is AutoOwners Insurance Co, offering policies at just $421 for a six-month term. This is followed by Travelers, which has an average six-month premium of $622.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1400 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hesston drivers find the best deals.

Cheap Car Insurance Companies in Hesston, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$421	$70
Travelers	$622	$105
American Family	$660	$111
USAA	$660	$111
Nationwide	$719	$121
Shelter	$778	$131
Auto-Owners	$892	$148
State Farm	$903	$152
Progressive	$989	$167
Farmers	$1016	$171
Encompass	$1146	$191
Farm Bureau	$1206	$205
Allstate	$1400	$236

Key Takeaways

Way's key takeaways about car insurance in Hesston

The auto insurance costs in Hesston fall around $421 for six months.
The cheapest auto insurance company in Hesston is USAA.
Teen drivers pay the highest rate in Hesston at $700 per month.

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Cheapest Minimum Liability Car Insurance in Hesston

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 Hesston are given below.

USAA provides the cheapest minimum car insurance coverage in Hesston. Their Average 6 Month Premium is $146. Encompass is the most expensive at $217 for the same period.

Cheapest Liability Coverage in Hesston, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$146	$25
Auto-Owners Insurance Co	$151	$25
Iowa Farm Bureau	$189	$32
Farmers Union Insurance	$200	$34
Travelers	$206	$35
Auto-Owners	$217	$36
Electric	$217	$36
Kansas Farm Bureau	$227	$38
Progressive	$232	$39
American Family	$238	$40
State Farm	$238	$40
Farm Bureau	$243	$41
Shelter	$276	$46
Farmers	$395	$66
Allstate	$524	$88
Encompass	$217	$36

Cheapest Full Coverage Car Insurance in Hesston

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 Hesston is AutoOwners Insurance Co at $70 per month and $421 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hesston, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$421	$70
Travelers	$622	$105
American Family	$660	$111
USAA	$660	$111
Nationwide	$719	$121
Shelter	$778	$131
Auto-Owners	$892	$148
State Farm	$903	$152
Progressive	$989	$167
Farmers	$1016	$171
Encompass	$1146	$191
Farm Bureau	$1206	$205
Allstate	$1400	$236

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Average Car Insurance in Hesston 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 Hesston, KS increasing?

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

Car Insurance Premiums by Age in Hesston

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	$695
30s	Nationwide	$598
40s	Nationwide	$484
50s	Nationwide	$443
60s	Nationwide	$422
70s	Nationwide	$459

Cheapest Car Insurance Rates for Teen Drivers in Hesston,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 Hesston at $34 per month. At $4157 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$200	$34
Iowa Farm Bureau	$222	$37
Farmers Union Insurance	$232	$39
Kansas Farm Bureau	$298	$49
Travelers	$643	$108
American Family	$1135	$191
USAA	$1346	$227
State Farm	$1897	$319
Shelter	$2114	$356
Progressive	$2129	$359
Farmers	$2454	$413
Farm Bureau	$2714	$452
Allstate	$4157	$700

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 Hesston.

As young drivers face the highest rates in Hesston, Nationwide offers the cheapest auto insurance rates at $695 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 Hesston, Iowa Farm Bureau is the cheapest car insurance provider. At $362 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 Hesston is State Farm, offering rates of around $3817 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$362	$62
Farmers Union Insurance	$368	$61
Nationwide	$395	$67
Travelers	$692	$116
USAA	$881	$150
Progressive	$903	$152
Shelter	$978	$165
American Family	$1000	$168
Farmers	$1298	$218
Farm Bureau	$2227	$371
Allstate	$2335	$397
State Farm	$3817	$636

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

Car Insurance Rates with An Accident in Hesston

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

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

The cheapest car insurance companies after an at-fault accident in Hesston include AutoOwners Insurance Co and Electric, offering $184 and $259, respectively. Encompass is an expensive provider with an average six-month premium of $298.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$184	$31
Electric	$259	$44
Iowa Farm Bureau	$292	$48
Farmers Union Insurance	$308	$53
Auto-Owners	$324	$54
Kansas Farm Bureau	$410	$70
Travelers	$465	$78
USAA	$535	$90
State Farm	$594	$100
American Family	$632	$106
Shelter	$833	$140
Progressive	$1048	$177
Farmers	$1822	$307
Farm Bureau	$1827	$310
Allstate	$2022	$340
Encompass	$298	$51

Hesston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hesston KS. For example, the car insurance in Hesston after a DUI increases to $925 for a six month policy. While the rate increases by $206 for a six-month policy in the case of a speeding ticket.

Hesston auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1059	$177
One Med/PIP claim	$1059	$180
Not-at-fault accident	$1087	$181
Two Med/PIP claims	$1135	$193
One comp claim	$1140	$190
Failure to show documents	$1173	$199
Two comp claims	$1184	$197
Failure to wear a seat belt	$1195	$203
Child safety restraint	$1227	$205
Driving with expired registration	$1227	$208
Driving without lights	$1227	$205
Speeding 6 - 10 MPH over limit	$1265	$215
Cell phone violation	$1281	$214
Driving too slowly	$1281	$217
Texting while driving	$1281	$214
Failure to yield	$1292	$219
Following too closely	$1292	$216
Illegal turn	$1292	$219
Wrong way/wrong lane	$1292	$216
In 65 MPH zone	$1298	$220
Speeding 11 - 15 MPH over limit	$1298	$217
Failure to stop at a red light	$1303	$221
Improper passing	$1303	$217
Speeding in school zone	$1303	$221
Speeding 16 - 20 MPH over limit	$1308	$218
Open container	$1319	$224
Operating a vehicle without permission	$1330	$222
Passing school bus	$1340	$228
Speeding 21 - 25 MPH over limit	$1340	$224
At-fault accident - less than $1000	$1357	$231
At-fault accident - $1000-$2000	$1497	$249
At-fault accident - greater than $2000	$1497	$255
Racing	$1654	$276
Reckless driving	$1795	$305
Driving with a suspended license	$1946	$324
Refusal to submit to a chemical test	$1967	$335
DUI	$1984	$330
Leaving scene of an accident/hit and run	$2065	$351

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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 Hesston 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 Hesston.

The cheapest car insurance premiums in Hesston are offered by Farmers Union Insurance at $357 for a six-month policy. However, it can be as expensive as $2865 with companies like Farm Bureau.

Hesston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$357	$61
Travelers	$492	$83
American Family	$584	$98
Progressive	$660	$111
State Farm	$805	$136
USAA	$1037	$175
Shelter	$1189	$200
Farmers	$1211	$204
Allstate	$1741	$293
Farm Bureau	$2865	$478

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 Hesston are offered by Iowa Farm Bureau at $238. However, it can be as expensive as $3092 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hesston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$238	$40
Auto-Owners Insurance Co	$248	$42
Farmers Union Insurance	$265	$45
Travelers	$524	$88
American Family	$568	$96
USAA	$573	$96
State Farm	$584	$98
Progressive	$784	$132
Farm Bureau	$1033	$176
Shelter	$1151	$192
Farmers	$1238	$208
Allstate	$3092	$515

Car Insurance Price Trends in Hesston, Kansas

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

The average cost of full coverage in the Hesston rose by $168 in December compared to $167 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Hesston rose to $42 in December, compared to $41 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Hesston?

The car insurance in Hesston is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Hesston?

The cheapest car insurance in Hesston is $70 per month for full coverage.

How much is car insurance in Hesston for teenagers?

Car insurance for teenagers costs $200 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 Hesston?

The average cost of car insurance is $964 for a six-month policy. It will cost around $147 per month to insure your car in Hesston.

Is car insurance expensive in Hesston?

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

Cheapest Car Insurance Quotes in Hesston

Why you can trust Way?

How Much Is Car Insurance in Hesston

Avg. Car Insurance in Hesston

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Hesston

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Hesston Car Insurance Rates by Company

Cheap Car Insurance Companies in Hesston, KS

Way's key takeaways about car insurance in Hesston

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hesston

Cheapest Liability Coverage in Hesston, KS

Cheapest Full Coverage Car Insurance in Hesston

Cheapest Full Coverage Car Insurance Quotes in Hesston, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hesston by Rating Factor

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

Car Insurance Premiums by Age in Hesston

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hesston,KS

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

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 Hesston

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

Hesston Car Insurance Rates by Violation

Hesston auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hesston after a DUI

Hesston car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hesston after Speeding ticket

Car Insurance Price Trends in Hesston, Kansas

Average Car Insurance Cost in Hesston by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hesston, KS

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

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