Cheapest Car Insurance Quotes in Humboldt

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Humboldt 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 Humboldt

The car insurance rate in Humboldt is $1032 for a six-month policy, which is $21 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Humboldt 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 Humboldt

$1032

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Humboldt

1st place: American Family

At $431 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 $454 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $722 for six months, making it the third cheapest auto insurance company in Humboldt.

Humboldt Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Humboldt, KS is American Family, offering policies at just $431 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $454.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1881 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Humboldt drivers find the best deals.

Cheap Car Insurance Companies in Humboldt, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$431	$72
Auto-Owners Insurance Co	$454	$77
USAA	$722	$122
Travelers	$739	$124
Shelter	$903	$152
Auto-Owners	$960	$164
State Farm	$1065	$179
Nationwide	$1112	$187
Farmers	$1164	$196
Progressive	$1188	$200
Encompass	$1234	$206
Allstate	$1566	$264
Farm Bureau	$1881	$314

Key Takeaways

Way's key takeaways about car insurance in Humboldt

The auto insurance costs in Humboldt fall around $431 for six months.
The cheapest auto insurance company in Humboldt is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Humboldt at $1101 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Humboldt

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 Humboldt are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Humboldt. Their Average 6 Month Premium is $163. Encompass is the most expensive at $233 for the same period.

Cheapest Liability Coverage in Humboldt, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$163	$27
USAA	$163	$27
Iowa Farm Bureau	$204	$34
Farmers Union Insurance	$216	$36
American Family	$227	$38
Travelers	$227	$38
Auto-Owners	$233	$39
Electric	$233	$39
Kansas Farm Bureau	$244	$41
State Farm	$273	$46
Progressive	$309	$52
Shelter	$315	$53
Farm Bureau	$396	$68
Farmers	$437	$74
Allstate	$570	$96
Nationwide	$693	$116
Encompass	$233	$39

Cheapest Full Coverage Car Insurance in Humboldt

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 Humboldt is American Family at $72 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Humboldt, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$431	$72
Auto-Owners Insurance Co	$454	$77
USAA	$722	$122
Travelers	$739	$124
Shelter	$903	$152
Auto-Owners	$960	$164
State Farm	$1065	$179
Nationwide	$1112	$187
Farmers	$1164	$196
Progressive	$1188	$200
Encompass	$1234	$206
Allstate	$1566	$264
Farm Bureau	$1881	$314

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Average Car Insurance in Humboldt 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 Humboldt, KS increasing?

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

Car Insurance Premiums by Age in Humboldt

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	$735
30s	Nationwide	$631
40s	Nationwide	$512
50s	Nationwide	$468
60s	Nationwide	$447
70s	Nationwide	$484

Cheapest Car Insurance Rates for Teen Drivers in Humboldt,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 Humboldt at $36 per month. At $6601 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	$216	$36
Iowa Farm Bureau	$239	$40
Farmers Union Insurance	$250	$42
American Family	$273	$46
Kansas Farm Bureau	$320	$55
Travelers	$832	$140
USAA	$1414	$238
State Farm	$2311	$389
Shelter	$2573	$433
Progressive	$2667	$449
Farmers	$2806	$472
Farm Bureau	$3994	$665
Allstate	$4669	$786
Nationwide	$6601	$1101

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 Humboldt.

As young drivers face the highest rates in Humboldt, Nationwide offers the cheapest auto insurance rates at $735 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 Humboldt, American Family is the cheapest car insurance provider. At $384 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 Humboldt is State Farm, offering rates of around $5972 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$384	$66
Iowa Farm Bureau	$390	$65
Farmers Union Insurance	$396	$68
Travelers	$920	$155
USAA	$1054	$179
Shelter	$1275	$215
Progressive	$1304	$220
Nationwide	$1461	$246
Farmers	$1554	$262
Allstate	$2713	$452
Farm Bureau	$3452	$587
State Farm	$5972	$996

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Humboldt

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

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

The cheapest car insurance companies after an at-fault accident in Humboldt include AutoOwners Insurance Co and American Family, offering $198 and $227, respectively. Encompass is an expensive provider with an average six-month premium of $320.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$198	$33
American Family	$227	$38
Electric	$279	$47
Iowa Farm Bureau	$315	$54
Farmers Union Insurance	$332	$55
Auto-Owners	$349	$60
Kansas Farm Bureau	$442	$74
USAA	$600	$101
Travelers	$606	$102
State Farm	$705	$119
Shelter	$996	$168
Progressive	$1275	$215
Farmers	$2119	$357
Allstate	$2358	$397
Farm Bureau	$2532	$422
Nationwide	$3237	$551
Encompass	$320	$55

Humboldt Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Humboldt KS. For example, the car insurance in Humboldt after a DUI increases to $995 for a six month policy. While the rate increases by $221 for a six-month policy in the case of a speeding ticket.

Humboldt auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1141	$190
One Med/PIP claim	$1141	$194
Not-at-fault accident	$1170	$195
Two Med/PIP claims	$1222	$208
One comp claim	$1228	$205
Failure to show documents	$1263	$215
Two comp claims	$1275	$213
Failure to wear a seat belt	$1287	$219
Child safety restraint	$1321	$221
Driving with expired registration	$1321	$224
Driving without lights	$1321	$221
Speeding 6 - 10 MPH over limit	$1362	$231
Cell phone violation	$1380	$230
Driving too slowly	$1380	$234
Texting while driving	$1380	$230
Failure to yield	$1392	$236
Following too closely	$1392	$232
Illegal turn	$1392	$236
Wrong way/wrong lane	$1392	$232
In 65 MPH zone	$1397	$237
Speeding 11 - 15 MPH over limit	$1397	$233
Failure to stop at a red light	$1403	$238
Improper passing	$1403	$234
Speeding in school zone	$1403	$238
Speeding 16 - 20 MPH over limit	$1408	$235
Open container	$1420	$241
Operating a vehicle without permission	$1432	$239
Passing school bus	$1444	$245
Speeding 21 - 25 MPH over limit	$1444	$241
At-fault accident - less than $1000	$1461	$249
At-fault accident - $1000-$2000	$1612	$269
At-fault accident - greater than $2000	$1612	$274
Racing	$1782	$297
Reckless driving	$1933	$328
Driving with a suspended license	$2095	$349
Refusal to submit to a chemical test	$2119	$361
DUI	$2136	$356
Leaving scene of an accident/hit and run	$2224	$378

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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 Humboldt 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 Humboldt.

The cheapest car insurance premiums in Humboldt are offered by American Family at $262 for a six-month policy. However, it can be as expensive as $4447 with companies like Farm Bureau.

Humboldt car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$262	$44
Farmers Union Insurance	$384	$66
Travelers	$634	$107
Progressive	$815	$137
State Farm	$1036	$174
USAA	$1089	$183
Farmers	$1397	$235
Shelter	$1449	$244
Allstate	$1956	$329
Nationwide	$4418	$752
Farm Bureau	$4447	$741

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 Humboldt are offered by Iowa Farm Bureau at $256. However, it can be as expensive as $2655 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Humboldt after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$256	$43
American Family	$262	$44
Auto-Owners Insurance Co	$268	$45
Farmers Union Insurance	$285	$48
State Farm	$693	$117
Travelers	$705	$119
USAA	$716	$120
Progressive	$972	$164
Farmers	$1310	$221
Shelter	$1345	$228
Allstate	$1962	$327
Farm Bureau	$2358	$401
Nationwide	$2655	$442

Car Insurance Price Trends in Humboldt, Kansas

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

The average cost of full coverage in the Humboldt rose by $214 in January compared to $181 of December. In other words, there has been an increase by $33 when you compare January and December.

The average cost of liability insurance in the Humboldt rose to $49 in January, compared to $45 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 Humboldt?

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

What is the cheapest car insurance in Humboldt?

The cheapest car insurance in Humboldt is $72 per month for full coverage.

How much is car insurance in Humboldt for teenagers?

Car insurance for teenagers costs $216 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 Humboldt?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $173 per month to insure your car in Humboldt.

Is car insurance expensive in Humboldt?

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

Cheapest Car Insurance Quotes in Humboldt

Why you can trust Way?

How Much Is Car Insurance in Humboldt

Avg. Car Insurance in Humboldt

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Humboldt

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Humboldt Car Insurance Rates by Company

Cheap Car Insurance Companies in Humboldt, KS

Way's key takeaways about car insurance in Humboldt

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Humboldt

Cheapest Liability Coverage in Humboldt, KS

Cheapest Full Coverage Car Insurance in Humboldt

Cheapest Full Coverage Car Insurance Quotes in Humboldt, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Humboldt by Rating Factor

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

Car Insurance Premiums by Age in Humboldt

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Humboldt,KS

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

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 Humboldt

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

Humboldt Car Insurance Rates by Violation

Humboldt auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Humboldt after a DUI

Humboldt car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Humboldt after Speeding ticket

Car Insurance Price Trends in Humboldt, Kansas

Average Car Insurance Cost in Humboldt by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Humboldt, KS

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

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