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Finding the cheapest car insurance quotes in Mc Donald 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.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Mc Donald
The car insurance rate in Mc Donald is $1137 for a six-month policy, which is $84 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $475, making it a popular choice for budget-conscious drivers. Rates in Mc Donald 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.
At $475 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 $500 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $796
for six months, making it
the third cheapest auto insurance company in Mc Donald.
Mc Donald Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mc Donald, KS is American Family, offering policies at just $475 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $500.
At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2073 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mc Donald drivers find the best deals.
Way's key takeaways about car insurance in Mc Donald
The auto insurance costs in Mc Donald fall around $475 for six
months.
The cheapest auto insurance company in Mc Donald is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Mc Donald at $1213 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Mc Donald
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 Mc Donald are given below.
AutoOwners Insurance Co provides
the cheapest minimum car insurance
coverage in Mc Donald. Their Average 6 Month Premium is $179.
Encompass is the most
expensive at $257 for the same
period.
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 Mc Donald is American Family
at $79 per month and $475
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mc Donald,
KS
Get Your Car Insurance Quote in Mc Donald
Instantly!
Average Car Insurance in Mc Donald 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 Mc Donald, KS increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mc Donald, 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, Mc Donald's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Mc Donald
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
$810
30s
Nationwide
$696
40s
Nationwide
$564
50s
Nationwide
$516
60s
Nationwide
$492
70s
Nationwide
$534
Cheapest Car Insurance Rates for Teen Drivers in
Mc Donald,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 Mc Donald at $40
per
month. At $7275 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties Nationwide is
the best choice for car
insurance in Mc Donald.
As young drivers face the highest rates in Mc Donald, Nationwide
offers the cheapest auto insurance rates at $810 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 Mc Donald,
American Family is
the cheapest car insurance provider. At $423 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
Mc Donald is State Farm, offering
rates of around $6582 for six
months.
Save up to $971/yr on car insurance rates in Mc Donald.
Car Insurance Rates with An Accident in Mc Donald
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 Mc Donald, KS,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mc Donald
The cheapest car insurance companies after an at-fault accident in
Mc Donald include AutoOwners Insurance Co
and American Family, offering $218
and $251,
respectively. Encompass is an expensive provider
with an average six-month premium of
$353.
Here is a list of driving violations that can increase your car
insurance rates in Mc Donald KS. For example, the car
insurance in Mc Donald
after a DUI increases to $1097 for a six
month policy. While the rate increases by $244 for a six-month policy in the case of
a speeding ticket.
Mc Donald auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1257
$210
One Med/PIP claim
$1257
$214
Not-at-fault accident
$1290
$215
Two Med/PIP claims
$1347
$229
One comp claim
$1353
$226
Failure to show documents
$1392
$237
Two comp claims
$1405
$234
Failure to wear a seat belt
$1418
$241
Child safety restraint
$1456
$243
Driving with expired registration
$1456
$247
Driving without lights
$1456
$243
Speeding 6 - 10 MPH over limit
$1501
$255
Cell phone violation
$1521
$254
Driving too slowly
$1521
$258
Texting while driving
$1521
$254
Failure to yield
$1534
$260
Following too closely
$1534
$256
Illegal turn
$1534
$260
Wrong way/wrong lane
$1534
$256
In 65 MPH zone
$1540
$261
Speeding 11 - 15 MPH over limit
$1540
$257
Failure to stop at a red light
$1547
$262
Improper passing
$1547
$258
Speeding in school zone
$1547
$262
Speeding 16 - 20 MPH over limit
$1552
$259
Open container
$1565
$266
Operating a vehicle without permission
$1578
$264
Passing school bus
$1591
$270
Speeding 21 - 25 MPH over limit
$1591
$266
At-fault accident - less than $1000
$1610
$274
At-fault accident - $1000-$2000
$1777
$296
At-fault accident - greater than $2000
$1777
$302
Racing
$1963
$327
Reckless driving
$2130
$362
Driving with a suspended license
$2309
$384
Refusal to submit to a chemical test
$2335
$397
DUI
$2354
$392
Leaving scene of an accident/hit and run
$2451
$417
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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 Mc Donald 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 Mc Donald.
The cheapest car insurance premiums in
Mc Donald are
offered by American Family at $288 for a six-month policy.
However, it can be as
expensive as $4901 with companies
like Farm Bureau.
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 Mc Donald are offered by Iowa Farm Bureau
at $282. However,
it can be as expensive as $2926
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Mc Donald after Speeding ticket
Car insurance rates in Mc Donald have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mc Donald rose by
$235 in January
compared to $200 of December. In other words, there has been an increase by $35 when you
compare January and December.
The average cost of liability insurance in the Mc Donald rose to $54 in January,
compared to $50 in December.
This represents an increase of $4
when comparing January and December.
Average Car Insurance Cost in Mc Donald by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Mc Donald. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Mc Donald?
The car insurance in Mc Donald is $30 per month, which is lower than the national average.
What is the cheapest car insurance in Mc Donald?
The cheapest car insurance in Mc Donald
is $79 per month
for full coverage.
How much is car insurance in Mc Donald for teenagers?
Car insurance for teenagers costs $238 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
Mc Donald?
The average cost of car insurance is $1053 for a six-month
policy. It will cost around $191 per month to insure your
car in Mc Donald.
Is car insurance expensive in Mc Donald?
Car insurance can be expensive in Mc Donald if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mc Donald can be
affordable.
What is the best car insurance in Mc Donald,
KS?
The best car insurance company in Mc Donald
KS is
American Family, offering $475 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Mc Donald, KS
Car Insurance Rates by State in the USA (2025 Update)
Mc Donald Car Insurance
