Cheapest Car Insurance Quotes in Lorraine

Finding the cheapest car insurance quotes in Lorraine shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Lorraine Car Insurance

^$ 29

/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 Lorraine

The car insurance rate in Lorraine is $1085 for a six-month policy, which is $32 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $453, making it a popular choice for budget-conscious drivers. Rates in Lorraine 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 Lorraine

$1085

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Lorraine

1st place: American Family

At $453 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 $477 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $759 for six months, making it the third cheapest auto insurance company in Lorraine.

Lorraine Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lorraine, KS is American Family, offering policies at just $453 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $477.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1977 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lorraine drivers find the best deals.

Cheap Car Insurance Companies in Lorraine, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$453	$75
Auto-Owners Insurance Co	$477	$81
USAA	$759	$128
Travelers	$777	$131
Shelter	$949	$160
Auto-Owners	$1009	$172
State Farm	$1120	$188
Nationwide	$1169	$197
Farmers	$1224	$206
Progressive	$1248	$210
Encompass	$1297	$216
Allstate	$1646	$277
Farm Bureau	$1977	$330

Key Takeaways

Way's key takeaways about car insurance in Lorraine

The auto insurance costs in Lorraine fall around $453 for six months.
The cheapest auto insurance company in Lorraine is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Lorraine at $1157 per month.

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Cheapest Minimum Liability Car Insurance in Lorraine

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 Lorraine are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Lorraine. Their Average 6 Month Premium is $171. Encompass is the most expensive at $245 for the same period.

Cheapest Liability Coverage in Lorraine, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$171	$29
USAA	$171	$29
Iowa Farm Bureau	$214	$36
Farmers Union Insurance	$227	$38
American Family	$239	$40
Travelers	$239	$40
Auto-Owners	$245	$41
Electric	$245	$41
Kansas Farm Bureau	$256	$43
State Farm	$287	$48
Progressive	$324	$55
Shelter	$331	$56
Farm Bureau	$416	$71
Farmers	$459	$77
Allstate	$599	$101
Nationwide	$728	$122
Encompass	$245	$41

Cheapest Full Coverage Car Insurance in Lorraine

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 Lorraine is American Family at $75 per month and $453 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lorraine, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$453	$75
Auto-Owners Insurance Co	$477	$81
USAA	$759	$128
Travelers	$777	$131
Shelter	$949	$160
Auto-Owners	$1009	$172
State Farm	$1120	$188
Nationwide	$1169	$197
Farmers	$1224	$206
Progressive	$1248	$210
Encompass	$1297	$216
Allstate	$1646	$277
Farm Bureau	$1977	$330

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Average Car Insurance in Lorraine 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 Lorraine, KS increasing?

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

Car Insurance Premiums by Age in Lorraine

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	$773
30s	Nationwide	$663
40s	Nationwide	$538
50s	Nationwide	$492
60s	Nationwide	$470
70s	Nationwide	$509

Cheapest Car Insurance Rates for Teen Drivers in Lorraine,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 Lorraine at $38 per month. At $6938 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	$227	$38
Iowa Farm Bureau	$251	$42
Farmers Union Insurance	$263	$44
American Family	$287	$48
Kansas Farm Bureau	$337	$58
Travelers	$874	$147
USAA	$1486	$250
State Farm	$2429	$409
Shelter	$2704	$455
Progressive	$2803	$472
Farmers	$2949	$496
Farm Bureau	$4197	$699
Allstate	$4907	$826
Nationwide	$6938	$1157

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 Lorraine.

As young drivers face the highest rates in Lorraine, Nationwide offers the cheapest auto insurance rates at $773 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 Lorraine, American Family is the cheapest car insurance provider. At $404 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 Lorraine is State Farm, offering rates of around $6277 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$404	$69
Iowa Farm Bureau	$410	$68
Farmers Union Insurance	$416	$71
Travelers	$967	$163
USAA	$1107	$188
Shelter	$1340	$226
Progressive	$1371	$231
Nationwide	$1536	$259
Farmers	$1634	$275
Allstate	$2851	$475
Farm Bureau	$3628	$617
State Farm	$6277	$1046

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

Car Insurance Rates with An Accident in Lorraine

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

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

The cheapest car insurance companies after an at-fault accident in Lorraine include AutoOwners Insurance Co and American Family, offering $208 and $239, respectively. Encompass is an expensive provider with an average six-month premium of $337.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$208	$35
American Family	$239	$40
Electric	$294	$49
Iowa Farm Bureau	$331	$57
Farmers Union Insurance	$349	$58
Auto-Owners	$367	$63
Kansas Farm Bureau	$465	$77
USAA	$630	$106
Travelers	$637	$107
State Farm	$741	$125
Shelter	$1046	$176
Progressive	$1340	$226
Farmers	$2227	$375
Allstate	$2478	$417
Farm Bureau	$2662	$444
Nationwide	$3402	$579
Encompass	$337	$58

Lorraine Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lorraine KS. For example, the car insurance in Lorraine after a DUI increases to $1046 for a six month policy. While the rate increases by $233 for a six-month policy in the case of a speeding ticket.

Lorraine auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1199	$200
One Med/PIP claim	$1199	$204
Not-at-fault accident	$1230	$205
Two Med/PIP claims	$1284	$218
One comp claim	$1291	$215
Failure to show documents	$1328	$226
Two comp claims	$1340	$224
Failure to wear a seat belt	$1352	$230
Child safety restraint	$1388	$232
Driving with expired registration	$1388	$236
Driving without lights	$1388	$232
Speeding 6 - 10 MPH over limit	$1432	$243
Cell phone violation	$1450	$242
Driving too slowly	$1450	$246
Texting while driving	$1450	$242
Failure to yield	$1463	$248
Following too closely	$1463	$244
Illegal turn	$1463	$248
Wrong way/wrong lane	$1463	$244
In 65 MPH zone	$1469	$249
Speeding 11 - 15 MPH over limit	$1469	$245
Failure to stop at a red light	$1475	$250
Improper passing	$1475	$246
Speeding in school zone	$1475	$250
Speeding 16 - 20 MPH over limit	$1480	$247
Open container	$1492	$253
Operating a vehicle without permission	$1505	$251
Passing school bus	$1517	$258
Speeding 21 - 25 MPH over limit	$1517	$253
At-fault accident - less than $1000	$1536	$262
At-fault accident - $1000-$2000	$1694	$282
At-fault accident - greater than $2000	$1694	$288
Racing	$1873	$312
Reckless driving	$2031	$345
Driving with a suspended license	$2202	$367
Refusal to submit to a chemical test	$2227	$379
DUI	$2245	$374
Leaving scene of an accident/hit and run	$2337	$398

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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 Lorraine 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 Lorraine.

The cheapest car insurance premiums in Lorraine are offered by American Family at $275 for a six-month policy. However, it can be as expensive as $4674 with companies like Farm Bureau.

Lorraine car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$275	$46
Farmers Union Insurance	$404	$69
Travelers	$666	$112
Progressive	$857	$144
State Farm	$1089	$183
USAA	$1144	$193
Farmers	$1469	$247
Shelter	$1523	$256
Allstate	$2056	$346
Nationwide	$4643	$790
Farm Bureau	$4674	$779

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 Lorraine are offered by Iowa Farm Bureau at $269. However, it can be as expensive as $2790 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Lorraine after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$269	$45
American Family	$275	$46
Auto-Owners Insurance Co	$281	$47
Farmers Union Insurance	$300	$50
State Farm	$728	$123
Travelers	$741	$125
USAA	$753	$126
Progressive	$1022	$172
Farmers	$1377	$232
Shelter	$1413	$240
Allstate	$2062	$344
Farm Bureau	$2478	$421
Nationwide	$2790	$465

Car Insurance Price Trends in Lorraine, Kansas

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

The average cost of full coverage in the Lorraine rose by $225 in January compared to $191 of December. In other words, there has been an increase by $34 when you compare January and December.

The average cost of liability insurance in the Lorraine rose to $52 in January, compared to $47 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 Lorraine?

The car insurance in Lorraine is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Lorraine?

The cheapest car insurance in Lorraine is $75 per month for full coverage.

How much is car insurance in Lorraine for teenagers?

Car insurance for teenagers costs $227 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 Lorraine?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $182 per month to insure your car in Lorraine.

Is car insurance expensive in Lorraine?

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

Cheapest Car Insurance Quotes in Lorraine

Why you can trust Way?

How Much Is Car Insurance in Lorraine

Avg. Car Insurance in Lorraine

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Lorraine

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Lorraine Car Insurance Rates by Company

Cheap Car Insurance Companies in Lorraine, KS

Way's key takeaways about car insurance in Lorraine

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lorraine

Cheapest Liability Coverage in Lorraine, KS

Cheapest Full Coverage Car Insurance in Lorraine

Cheapest Full Coverage Car Insurance Quotes in Lorraine, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lorraine by Rating Factor

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

Car Insurance Premiums by Age in Lorraine

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lorraine,KS

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

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 Lorraine

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

Lorraine Car Insurance Rates by Violation

Lorraine auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lorraine after a DUI

Lorraine car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lorraine after Speeding ticket

Car Insurance Price Trends in Lorraine, Kansas

Average Car Insurance Cost in Lorraine by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lorraine, KS

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

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