Cheapest Car Insurance Quotes in Lost Springs

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Lost Springs 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 Lost Springs

The car insurance rate in Lost Springs is $906 for a six-month policy, which is $58 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $435, making it a popular choice for budget-conscious drivers. Rates in Lost Springs 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 Lost Springs

$906

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Lost Springs

1st place: AutoOwners Insurance Co

At $435 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 $642 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 $682 for six months, making it the third cheapest auto insurance company in Lost Springs.

Lost Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lost Springs, KS is AutoOwners Insurance Co, offering policies at just $435 for a six-month term. This is followed by Travelers, which has an average six-month premium of $642.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1446 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lost Springs drivers find the best deals.

Cheap Car Insurance Companies in Lost Springs, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$435	$72
Travelers	$642	$108
American Family	$682	$115
USAA	$682	$115
Nationwide	$743	$125
Shelter	$804	$135
Auto-Owners	$921	$153
State Farm	$932	$157
Progressive	$1022	$172
Farmers	$1050	$177
Encompass	$1183	$197
Farm Bureau	$1246	$212
Allstate	$1446	$243

Key Takeaways

Way's key takeaways about car insurance in Lost Springs

The auto insurance costs in Lost Springs fall around $435 for six months.
The cheapest auto insurance company in Lost Springs is USAA.
Teen drivers pay the highest rate in Lost Springs at $723 per month.

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Cheapest Minimum Liability Car Insurance in Lost Springs

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 Lost Springs are given below.

USAA provides the cheapest minimum car insurance coverage in Lost Springs. Their Average 6 Month Premium is $150. Encompass is the most expensive at $224 for the same period.

Cheapest Liability Coverage in Lost Springs, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$150	$25
Auto-Owners Insurance Co	$156	$26
Iowa Farm Bureau	$196	$33
Farmers Union Insurance	$207	$35
Travelers	$212	$36
Auto-Owners	$224	$38
Electric	$224	$38
Kansas Farm Bureau	$234	$39
Progressive	$240	$40
American Family	$245	$41
State Farm	$245	$41
Farm Bureau	$251	$42
Shelter	$285	$48
Farmers	$408	$69
Allstate	$541	$91
Encompass	$224	$38

Cheapest Full Coverage Car Insurance in Lost Springs

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 Lost Springs is AutoOwners Insurance Co at $72 per month and $435 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lost Springs, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$435	$72
Travelers	$642	$108
American Family	$682	$115
USAA	$682	$115
Nationwide	$743	$125
Shelter	$804	$135
Auto-Owners	$921	$153
State Farm	$932	$157
Progressive	$1022	$172
Farmers	$1050	$177
Encompass	$1183	$197
Farm Bureau	$1246	$212
Allstate	$1446	$243

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Average Car Insurance in Lost Springs 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 Lost Springs, KS increasing?

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

Car Insurance Premiums by Age in Lost Springs

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	$718
30s	Nationwide	$618
40s	Nationwide	$500
50s	Nationwide	$458
60s	Nationwide	$436
70s	Nationwide	$474

Cheapest Car Insurance Rates for Teen Drivers in Lost Springs,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 Lost Springs at $35 per month. At $4294 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	$207	$35
Iowa Farm Bureau	$229	$39
Farmers Union Insurance	$240	$40
Kansas Farm Bureau	$307	$51
Travelers	$665	$112
American Family	$1172	$197
USAA	$1390	$234
State Farm	$1960	$330
Shelter	$2184	$368
Progressive	$2200	$370
Farmers	$2535	$427
Farm Bureau	$2803	$467
Allstate	$4294	$723

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 Lost Springs.

As young drivers face the highest rates in Lost Springs, Nationwide offers the cheapest auto insurance rates at $718 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 Lost Springs, Iowa Farm Bureau is the cheapest car insurance provider. At $374 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 Lost Springs is State Farm, offering rates of around $3942 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$374	$64
Farmers Union Insurance	$380	$63
Nationwide	$408	$70
Travelers	$714	$120
USAA	$910	$155
Progressive	$932	$157
Shelter	$1010	$170
American Family	$1033	$174
Farmers	$1340	$226
Farm Bureau	$2300	$384
Allstate	$2412	$410
State Farm	$3942	$657

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

Car Insurance Rates with An Accident in Lost Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lost Springs

The cheapest car insurance companies after an at-fault accident in Lost Springs include AutoOwners Insurance Co and Electric, offering $190 and $268, respectively. Encompass is an expensive provider with an average six-month premium of $307.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$190	$32
Electric	$268	$45
Iowa Farm Bureau	$302	$50
Farmers Union Insurance	$319	$55
Auto-Owners	$335	$55
Kansas Farm Bureau	$424	$72
Travelers	$480	$81
USAA	$553	$93
State Farm	$614	$103
American Family	$653	$110
Shelter	$860	$145
Progressive	$1083	$182
Farmers	$1882	$317
Farm Bureau	$1888	$321
Allstate	$2089	$352
Encompass	$307	$53

Lost Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lost Springs KS. For example, the car insurance in Lost Springs after a DUI increases to $955 for a six month policy. While the rate increases by $213 for a six-month policy in the case of a speeding ticket.

Lost Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1094	$182
One Med/PIP claim	$1094	$186
Not-at-fault accident	$1122	$187
Two Med/PIP claims	$1172	$199
One comp claim	$1178	$196
Failure to show documents	$1212	$206
Two comp claims	$1223	$204
Failure to wear a seat belt	$1234	$210
Child safety restraint	$1267	$212
Driving with expired registration	$1267	$215
Driving without lights	$1267	$212
Speeding 6 - 10 MPH over limit	$1307	$222
Cell phone violation	$1324	$221
Driving too slowly	$1324	$225
Texting while driving	$1324	$221
Failure to yield	$1335	$227
Following too closely	$1335	$223
Illegal turn	$1335	$227
Wrong way/wrong lane	$1335	$223
In 65 MPH zone	$1340	$227
Speeding 11 - 15 MPH over limit	$1340	$224
Failure to stop at a red light	$1346	$228
Improper passing	$1346	$225
Speeding in school zone	$1346	$228
Speeding 16 - 20 MPH over limit	$1351	$226
Open container	$1362	$231
Operating a vehicle without permission	$1373	$229
Passing school bus	$1385	$235
Speeding 21 - 25 MPH over limit	$1385	$231
At-fault accident - less than $1000	$1402	$239
At-fault accident - $1000-$2000	$1546	$258
At-fault accident - greater than $2000	$1546	$263
Racing	$1709	$285
Reckless driving	$1854	$315
Driving with a suspended license	$2010	$335
Refusal to submit to a chemical test	$2032	$346
DUI	$2049	$341
Leaving scene of an accident/hit and run	$2133	$363

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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 Lost Springs 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 Lost Springs.

The cheapest car insurance premiums in Lost Springs are offered by Farmers Union Insurance at $368 for a six-month policy. However, it can be as expensive as $2959 with companies like Farm Bureau.

Lost Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$368	$63
Travelers	$509	$86
American Family	$603	$102
Progressive	$682	$115
State Farm	$832	$140
USAA	$1072	$180
Shelter	$1229	$207
Farmers	$1251	$211
Allstate	$1798	$303
Farm Bureau	$2959	$494

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 Lost Springs are offered by Iowa Farm Bureau at $245. However, it can be as expensive as $3194 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lost Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$245	$41
Auto-Owners Insurance Co	$257	$43
Farmers Union Insurance	$274	$46
Travelers	$541	$91
American Family	$587	$99
USAA	$592	$99
State Farm	$603	$102
Progressive	$809	$136
Farm Bureau	$1067	$181
Shelter	$1189	$198
Farmers	$1278	$215
Allstate	$3194	$532

Car Insurance Price Trends in Lost Springs, Kansas

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

The average cost of full coverage in the Lost Springs rose by $174 in December compared to $173 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 Lost Springs rose to $43 in December, compared to $42 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 Lost Springs?

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

What is the cheapest car insurance in Lost Springs?

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

How much is car insurance in Lost Springs for teenagers?

Car insurance for teenagers costs $207 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 Lost Springs?

The average cost of car insurance is $964 for a six-month policy. It will cost around $152 per month to insure your car in Lost Springs.

Is car insurance expensive in Lost Springs?

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

Cheapest Car Insurance Quotes in Lost Springs

Why you can trust Way?

How Much Is Car Insurance in Lost Springs

Avg. Car Insurance in Lost Springs

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Lost Springs

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Lost Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Lost Springs, KS

Way's key takeaways about car insurance in Lost Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lost Springs

Cheapest Liability Coverage in Lost Springs, KS

Cheapest Full Coverage Car Insurance in Lost Springs

Cheapest Full Coverage Car Insurance Quotes in Lost Springs, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lost Springs by Rating Factor

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

Car Insurance Premiums by Age in Lost Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lost Springs,KS

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

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 Lost Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Lost Springs

Lost Springs Car Insurance Rates by Violation

Lost Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lost Springs after a DUI

Lost Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lost Springs after Speeding ticket

Car Insurance Price Trends in Lost Springs, Kansas

Average Car Insurance Cost in Lost Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lost Springs, KS

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

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