Cheapest Car Insurance Quotes in Manhattan

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Manhattan Car Insurance

^$ 24

/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 Manhattan

The car insurance rate in Manhattan is $858 for a six-month policy, which is $106 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Manhattan 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 Manhattan

$858

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Manhattan

1st place: AutoOwners Insurance Co

At $412 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 $608 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 $645 for six months, making it the third cheapest auto insurance company in Manhattan.

Manhattan Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Manhattan, KS is AutoOwners Insurance Co, offering policies at just $412 for a six-month term. This is followed by Travelers, which has an average six-month premium of $608.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1369 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Manhattan drivers find the best deals.

Cheap Car Insurance Companies in Manhattan, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$412	$69
Travelers	$608	$102
American Family	$645	$109
USAA	$645	$109
Nationwide	$703	$118
Shelter	$761	$128
Auto-Owners	$872	$145
State Farm	$883	$149
Progressive	$967	$163
Farmers	$994	$167
Encompass	$1121	$187
Farm Bureau	$1179	$200
Allstate	$1369	$231

Key Takeaways

Way's key takeaways about car insurance in Manhattan

The auto insurance costs in Manhattan fall around $412 for six months.
The cheapest auto insurance company in Manhattan is USAA.
Teen drivers pay the highest rate in Manhattan at $684 per month.

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Cheapest Minimum Liability Car Insurance in Manhattan

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 Manhattan are given below.

USAA provides the cheapest minimum car insurance coverage in Manhattan. Their Average 6 Month Premium is $142. Encompass is the most expensive at $212 for the same period.

Cheapest Liability Coverage in Manhattan, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$142	$24
Auto-Owners Insurance Co	$148	$25
Iowa Farm Bureau	$185	$31
Farmers Union Insurance	$196	$33
Travelers	$201	$34
Auto-Owners	$212	$36
Electric	$212	$36
Kansas Farm Bureau	$222	$37
Progressive	$227	$38
American Family	$232	$39
State Farm	$232	$39
Farm Bureau	$238	$40
Shelter	$270	$45
Farmers	$386	$65
Allstate	$513	$86
Encompass	$212	$36

Cheapest Full Coverage Car Insurance in Manhattan

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 Manhattan is AutoOwners Insurance Co at $69 per month and $412 for six months.

Cheapest Full Coverage Car Insurance Quotes in Manhattan, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$412	$69
Travelers	$608	$102
American Family	$645	$109
USAA	$645	$109
Nationwide	$703	$118
Shelter	$761	$128
Auto-Owners	$872	$145
State Farm	$883	$149
Progressive	$967	$163
Farmers	$994	$167
Encompass	$1121	$187
Farm Bureau	$1179	$200
Allstate	$1369	$231

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Average Car Insurance in Manhattan 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 Manhattan, KS increasing?

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

Car Insurance Premiums by Age in Manhattan

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	$680
30s	Nationwide	$585
40s	Nationwide	$473
50s	Nationwide	$433
60s	Nationwide	$413
70s	Nationwide	$449

Cheapest Car Insurance Rates for Teen Drivers in Manhattan,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 Manhattan at $33 per month. At $4066 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	$196	$33
Iowa Farm Bureau	$217	$36
Farmers Union Insurance	$227	$38
Kansas Farm Bureau	$291	$48
Travelers	$629	$106
American Family	$1110	$187
USAA	$1316	$222
State Farm	$1856	$312
Shelter	$2067	$348
Progressive	$2083	$351
Farmers	$2400	$404
Farm Bureau	$2654	$442
Allstate	$4066	$684

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 Manhattan.

As young drivers face the highest rates in Manhattan, Nationwide offers the cheapest auto insurance rates at $680 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 Manhattan, Iowa Farm Bureau is the cheapest car insurance provider. At $354 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 Manhattan is State Farm, offering rates of around $3733 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$354	$61
Farmers Union Insurance	$360	$60
Nationwide	$386	$66
Travelers	$676	$114
USAA	$862	$147
Progressive	$883	$149
Shelter	$957	$161
American Family	$978	$165
Farmers	$1269	$214
Farm Bureau	$2178	$363
Allstate	$2284	$388
State Farm	$3733	$622

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Car Insurance Rates with An Accident in Manhattan

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

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

The cheapest car insurance companies after an at-fault accident in Manhattan include AutoOwners Insurance Co and Electric, offering $180 and $254, respectively. Encompass is an expensive provider with an average six-month premium of $291.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$180	$30
Electric	$254	$43
Iowa Farm Bureau	$286	$47
Farmers Union Insurance	$302	$52
Auto-Owners	$317	$53
Kansas Farm Bureau	$401	$69
Travelers	$455	$77
USAA	$523	$88
State Farm	$581	$98
American Family	$619	$104
Shelter	$814	$137
Progressive	$1025	$173
Farmers	$1782	$300
Farm Bureau	$1787	$303
Allstate	$1978	$333
Encompass	$291	$50

Manhattan Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Manhattan KS. For example, the car insurance in Manhattan after a DUI increases to $904 for a six month policy. While the rate increases by $201 for a six-month policy in the case of a speeding ticket.

Manhattan auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1036	$173
One Med/PIP claim	$1036	$176
Not-at-fault accident	$1063	$177
Two Med/PIP claims	$1110	$189
One comp claim	$1115	$186
Failure to show documents	$1147	$195
Two comp claims	$1158	$193
Failure to wear a seat belt	$1169	$198
Child safety restraint	$1200	$200
Driving with expired registration	$1200	$204
Driving without lights	$1200	$200
Speeding 6 - 10 MPH over limit	$1237	$210
Cell phone violation	$1253	$209
Driving too slowly	$1253	$213
Texting while driving	$1253	$209
Failure to yield	$1264	$214
Following too closely	$1264	$211
Illegal turn	$1264	$214
Wrong way/wrong lane	$1264	$211
In 65 MPH zone	$1269	$215
Speeding 11 - 15 MPH over limit	$1269	$212
Failure to stop at a red light	$1274	$216
Improper passing	$1274	$213
Speeding in school zone	$1274	$216
Speeding 16 - 20 MPH over limit	$1279	$214
Open container	$1290	$219
Operating a vehicle without permission	$1300	$217
Passing school bus	$1311	$223
Speeding 21 - 25 MPH over limit	$1311	$219
At-fault accident - less than $1000	$1327	$226
At-fault accident - $1000-$2000	$1464	$244
At-fault accident - greater than $2000	$1464	$249
Racing	$1618	$270
Reckless driving	$1755	$298
Driving with a suspended license	$1903	$317
Refusal to submit to a chemical test	$1924	$328
DUI	$1940	$323
Leaving scene of an accident/hit and run	$2019	$344

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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 Manhattan 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 Manhattan.

The cheapest car insurance premiums in Manhattan are offered by Farmers Union Insurance at $349 for a six-month policy. However, it can be as expensive as $2802 with companies like Farm Bureau.

Manhattan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$349	$60
Travelers	$481	$81
American Family	$571	$96
Progressive	$645	$109
State Farm	$788	$133
USAA	$1015	$171
Shelter	$1163	$196
Farmers	$1185	$199
Allstate	$1703	$287
Farm Bureau	$2802	$467

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 Manhattan are offered by Iowa Farm Bureau at $232. However, it can be as expensive as $3024 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Manhattan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$232	$39
Auto-Owners Insurance Co	$243	$41
Farmers Union Insurance	$259	$44
Travelers	$513	$86
American Family	$555	$93
USAA	$561	$93
State Farm	$571	$96
Progressive	$766	$129
Farm Bureau	$1010	$172
Shelter	$1126	$188
Farmers	$1210	$204
Allstate	$3024	$504

Car Insurance Price Trends in Manhattan, Kansas

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

The average cost of full coverage in the Manhattan rose by $165 in December compared to $164 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 Manhattan rose to $41 in December, compared to $40 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 Manhattan?

The car insurance in Manhattan is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Manhattan?

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

How much is car insurance in Manhattan for teenagers?

Car insurance for teenagers costs $196 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 Manhattan?

The average cost of car insurance is $964 for a six-month policy. It will cost around $144 per month to insure your car in Manhattan.

Is car insurance expensive in Manhattan?

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

Cheapest Car Insurance Quotes in Manhattan

Why you can trust Way?

How Much Is Car Insurance in Manhattan

Avg. Car Insurance in Manhattan

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Manhattan

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Manhattan Car Insurance Rates by Company

Cheap Car Insurance Companies in Manhattan, KS

Way's key takeaways about car insurance in Manhattan

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Manhattan

Cheapest Liability Coverage in Manhattan, KS

Cheapest Full Coverage Car Insurance in Manhattan

Cheapest Full Coverage Car Insurance Quotes in Manhattan, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Manhattan by Rating Factor

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

Car Insurance Premiums by Age in Manhattan

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Manhattan,KS

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

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 Manhattan

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

Manhattan Car Insurance Rates by Violation

Manhattan auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Manhattan after a DUI

Manhattan car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Manhattan after Speeding ticket

Car Insurance Price Trends in Manhattan, Kansas

Average Car Insurance Cost in Manhattan by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Manhattan, KS

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

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