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Finding the cheapest car insurance quotes in Mc Louth 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 Louth
The car insurance rate in Mc Louth is $1011 for a six-month policy, which is $42 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $422, making it a popular choice for budget-conscious drivers. Rates in Mc Louth 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 $422 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 $444 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $708
for six months, making it
the third cheapest auto insurance company in Mc Louth.
Mc Louth Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Mc Louth, KS is American Family, offering policies at just $422 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $444.
At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1842 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mc Louth drivers find the best deals.
Way's key takeaways about car insurance in Mc Louth
The auto insurance costs in Mc Louth fall around $422 for six
months.
The cheapest auto insurance company in Mc Louth is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Mc Louth at $1078 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Mc Louth
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 Louth are given below.
AutoOwners Insurance Co provides
the cheapest minimum car insurance
coverage in Mc Louth. Their Average 6 Month Premium is $159.
Encompass is the most
expensive at $228 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 Louth is American Family
at $70 per month and $422
for six months.
Cheapest Full Coverage Car Insurance Quotes in Mc Louth,
KS
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Instantly!
Average Car Insurance in Mc Louth 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 Louth, KS increasing?
Despite maintaining a clean driving record, your car insurance rates
in Mc Louth, 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 Louth'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 Louth
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
$720
30s
Nationwide
$618
40s
Nationwide
$501
50s
Nationwide
$459
60s
Nationwide
$438
70s
Nationwide
$474
Cheapest Car Insurance Rates for Teen Drivers in
Mc Louth,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 Louth at $36
per
month. At $6467 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 Louth.
As young drivers face the highest rates in Mc Louth, Nationwide
offers the cheapest auto insurance rates at $720 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 Louth,
American Family is
the cheapest car insurance provider. At $376 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 Louth is State Farm, offering
rates of around $5850 for six
months.
Save up to $971/yr on car insurance rates in Mc Louth.
Car Insurance Rates with An Accident in Mc Louth
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 Louth, KS,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Mc Louth
The cheapest car insurance companies after an at-fault accident in
Mc Louth include AutoOwners Insurance Co
and American Family, offering $194
and $223,
respectively. Encompass is an expensive provider
with an average six-month premium of
$314.
Here is a list of driving violations that can increase your car
insurance rates in Mc Louth KS. For example, the car
insurance in Mc Louth
after a DUI increases to $976 for a six
month policy. While the rate increases by $217 for a six-month policy in the case of
a speeding ticket.
Mc Louth auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1117
$186
One Med/PIP claim
$1117
$190
Not-at-fault accident
$1146
$191
Two Med/PIP claims
$1197
$204
One comp claim
$1203
$201
Failure to show documents
$1237
$210
Two comp claims
$1249
$208
Failure to wear a seat belt
$1260
$214
Child safety restraint
$1294
$216
Driving with expired registration
$1294
$220
Driving without lights
$1294
$216
Speeding 6 - 10 MPH over limit
$1334
$227
Cell phone violation
$1352
$226
Driving too slowly
$1352
$229
Texting while driving
$1352
$226
Failure to yield
$1363
$231
Following too closely
$1363
$228
Illegal turn
$1363
$231
Wrong way/wrong lane
$1363
$228
In 65 MPH zone
$1369
$232
Speeding 11 - 15 MPH over limit
$1369
$228
Failure to stop at a red light
$1375
$233
Improper passing
$1375
$229
Speeding in school zone
$1375
$233
Speeding 16 - 20 MPH over limit
$1380
$230
Open container
$1391
$236
Operating a vehicle without permission
$1403
$234
Passing school bus
$1414
$240
Speeding 21 - 25 MPH over limit
$1414
$236
At-fault accident - less than $1000
$1431
$244
At-fault accident - $1000-$2000
$1579
$263
At-fault accident - greater than $2000
$1579
$269
Racing
$1745
$291
Reckless driving
$1893
$322
Driving with a suspended license
$2052
$342
Refusal to submit to a chemical test
$2076
$353
DUI
$2093
$348
Leaving scene of an accident/hit and run
$2178
$371
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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 Louth 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 Louth.
The cheapest car insurance premiums in
Mc Louth are
offered by American Family at $256 for a six-month policy.
However, it can be as
expensive as $4356 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 Louth are offered by Iowa Farm Bureau
at $251. However,
it can be as expensive as $2601
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Mc Louth after Speeding ticket
Car insurance rates in Mc Louth have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Mc Louth rose by
$209 in January
compared to $178 of December. In other words, there has been an increase by $31 when you
compare January and December.
The average cost of liability insurance in the Mc Louth rose to $48 in January,
compared to $44 in December.
This represents an increase of $4
when comparing January and December.
Average Car Insurance Cost in Mc Louth 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 Louth. 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 Louth?
The car insurance in Mc Louth is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Mc Louth?
The cheapest car insurance in Mc Louth
is $70 per month
for full coverage.
How much is car insurance in Mc Louth for teenagers?
Car insurance for teenagers costs $211 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 Louth?
The average cost of car insurance is $1053 for a six-month
policy. It will cost around $170 per month to insure your
car in Mc Louth.
Is car insurance expensive in Mc Louth?
Car insurance can be expensive in Mc Louth if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Mc Louth can be
affordable.
What is the best car insurance in Mc Louth,
KS?
The best car insurance company in Mc Louth
KS is
American Family, offering $422 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Mc Louth, KS
Car Insurance Rates by State in the USA (2025 Update)
Mc Louth Car Insurance
