Cheapest Car Insurance Quotes in Medicine Lodge

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Medicine Lodge Car Insurance

^$ 30

/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 Medicine Lodge

The car insurance rate in Medicine Lodge is $1080 for a six-month policy, which is $116 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $519, making it a popular choice for budget-conscious drivers. Rates in Medicine Lodge 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 Medicine Lodge

$1080

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Medicine Lodge

1st place: AutoOwners Insurance Co

At $519 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 $765 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 $812 for six months, making it the third cheapest auto insurance company in Medicine Lodge.

Medicine Lodge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Medicine Lodge, KS is AutoOwners Insurance Co, offering policies at just $519 for a six-month term. This is followed by Travelers, which has an average six-month premium of $765.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1723 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Medicine Lodge drivers find the best deals.

Cheap Car Insurance Companies in Medicine Lodge, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$519	$86
Travelers	$765	$129
American Family	$812	$137
USAA	$812	$137
Nationwide	$885	$149
Shelter	$958	$161
Auto-Owners	$1098	$183
State Farm	$1111	$187
Progressive	$1217	$205
Farmers	$1251	$211
Encompass	$1410	$235
Farm Bureau	$1484	$252
Allstate	$1723	$290

Key Takeaways

Way's key takeaways about car insurance in Medicine Lodge

The auto insurance costs in Medicine Lodge fall around $519 for six months.
The cheapest auto insurance company in Medicine Lodge is USAA.
Teen drivers pay the highest rate in Medicine Lodge at $861 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Medicine Lodge

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 Medicine Lodge are given below.

USAA provides the cheapest minimum car insurance coverage in Medicine Lodge. Their Average 6 Month Premium is $179. Encompass is the most expensive at $267 for the same period.

Cheapest Liability Coverage in Medicine Lodge, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$179	$30
Auto-Owners Insurance Co	$186	$31
Iowa Farm Bureau	$233	$39
Farmers Union Insurance	$246	$41
Travelers	$253	$43
Auto-Owners	$267	$45
Electric	$267	$45
Kansas Farm Bureau	$279	$47
Progressive	$286	$48
American Family	$292	$49
State Farm	$292	$49
Farm Bureau	$299	$50
Shelter	$339	$57
Farmers	$486	$82
Allstate	$645	$109
Encompass	$267	$45

Cheapest Full Coverage Car Insurance in Medicine Lodge

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 Medicine Lodge is AutoOwners Insurance Co at $86 per month and $519 for six months.

Cheapest Full Coverage Car Insurance Quotes in Medicine Lodge, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$519	$86
Travelers	$765	$129
American Family	$812	$137
USAA	$812	$137
Nationwide	$885	$149
Shelter	$958	$161
Auto-Owners	$1098	$183
State Farm	$1111	$187
Progressive	$1217	$205
Farmers	$1251	$211
Encompass	$1410	$235
Farm Bureau	$1484	$252
Allstate	$1723	$290

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Average Car Insurance in Medicine Lodge 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 Medicine Lodge, KS increasing?

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

Car Insurance Premiums by Age in Medicine Lodge

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	$856
30s	Nationwide	$736
40s	Nationwide	$596
50s	Nationwide	$545
60s	Nationwide	$520
70s	Nationwide	$564

Cheapest Car Insurance Rates for Teen Drivers in Medicine Lodge,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 Medicine Lodge at $41 per month. At $5116 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	$246	$41
Iowa Farm Bureau	$273	$46
Farmers Union Insurance	$286	$48
Kansas Farm Bureau	$366	$60
Travelers	$792	$133
American Family	$1397	$235
USAA	$1656	$279
State Farm	$2335	$393
Shelter	$2602	$438
Progressive	$2621	$441
Farmers	$3021	$508
Farm Bureau	$3340	$557
Allstate	$5116	$861

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 Medicine Lodge.

As young drivers face the highest rates in Medicine Lodge, Nationwide offers the cheapest auto insurance rates at $856 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 Medicine Lodge, Iowa Farm Bureau is the cheapest car insurance provider. At $446 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 Medicine Lodge is State Farm, offering rates of around $4697 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$446	$76
Farmers Union Insurance	$452	$75
Nationwide	$486	$83
Travelers	$851	$143
USAA	$1084	$185
Progressive	$1111	$187
Shelter	$1204	$203
American Family	$1231	$207
Farmers	$1597	$269
Farm Bureau	$2741	$457
Allstate	$2874	$488
State Farm	$4697	$783

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

Car Insurance Rates with An Accident in Medicine Lodge

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

Cheapest Car Insurance Companies after an At-Fault Accident in Medicine Lodge

The cheapest car insurance companies after an at-fault accident in Medicine Lodge include AutoOwners Insurance Co and Electric, offering $226 and $319, respectively. Encompass is an expensive provider with an average six-month premium of $366.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$226	$38
Electric	$319	$54
Iowa Farm Bureau	$360	$59
Farmers Union Insurance	$380	$65
Auto-Owners	$399	$66
Kansas Farm Bureau	$505	$86
Travelers	$572	$96
USAA	$659	$111
State Farm	$731	$123
American Family	$778	$131
Shelter	$1025	$172
Progressive	$1290	$217
Farmers	$2242	$377
Farm Bureau	$2249	$382
Allstate	$2489	$419
Encompass	$366	$63

Medicine Lodge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Medicine Lodge KS. For example, the car insurance in Medicine Lodge after a DUI increases to $1138 for a six month policy. While the rate increases by $253 for a six-month policy in the case of a speeding ticket.

Medicine Lodge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1304	$217
One Med/PIP claim	$1304	$222
Not-at-fault accident	$1337	$223
Two Med/PIP claims	$1397	$237
One comp claim	$1403	$234
Failure to show documents	$1444	$245
Two comp claims	$1457	$243
Failure to wear a seat belt	$1471	$250
Child safety restraint	$1510	$252
Driving with expired registration	$1510	$256
Driving without lights	$1510	$252
Speeding 6 - 10 MPH over limit	$1557	$264
Cell phone violation	$1577	$263
Driving too slowly	$1577	$268
Texting while driving	$1577	$263
Failure to yield	$1590	$270
Following too closely	$1590	$265
Illegal turn	$1590	$270
Wrong way/wrong lane	$1590	$265
In 65 MPH zone	$1597	$271
Speeding 11 - 15 MPH over limit	$1597	$267
Failure to stop at a red light	$1604	$272
Improper passing	$1604	$268
Speeding in school zone	$1604	$272
Speeding 16 - 20 MPH over limit	$1609	$269
Open container	$1623	$276
Operating a vehicle without permission	$1636	$273
Passing school bus	$1650	$280
Speeding 21 - 25 MPH over limit	$1650	$276
At-fault accident - less than $1000	$1670	$284
At-fault accident - $1000-$2000	$1842	$307
At-fault accident - greater than $2000	$1842	$314
Racing	$2036	$339
Reckless driving	$2209	$375
Driving with a suspended license	$2395	$399
Refusal to submit to a chemical test	$2421	$412
DUI	$2442	$407
Leaving scene of an accident/hit and run	$2541	$432

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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 Medicine Lodge 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 Medicine Lodge.

The cheapest car insurance premiums in Medicine Lodge are offered by Farmers Union Insurance at $439 for a six-month policy. However, it can be as expensive as $3526 with companies like Farm Bureau.

Medicine Lodge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$439	$75
Travelers	$606	$102
American Family	$719	$121
Progressive	$812	$137
State Farm	$991	$167
USAA	$1277	$215
Shelter	$1464	$246
Farmers	$1491	$251
Allstate	$2143	$361
Farm Bureau	$3526	$588

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 Medicine Lodge are offered by Iowa Farm Bureau at $292. However, it can be as expensive as $3806 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Medicine Lodge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$292	$49
Auto-Owners Insurance Co	$306	$52
Farmers Union Insurance	$326	$55
Travelers	$645	$109
American Family	$699	$118
USAA	$706	$118
State Farm	$719	$121
Progressive	$964	$162
Farm Bureau	$1271	$216
Shelter	$1417	$236
Farmers	$1523	$256
Allstate	$3806	$634

Car Insurance Price Trends in Medicine Lodge, Kansas

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

The average cost of full coverage in the Medicine Lodge rose by $207 in December compared to $206 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 Medicine Lodge rose to $52 in December, compared to $50 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Medicine Lodge?

The car insurance in Medicine Lodge is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Medicine Lodge?

The cheapest car insurance in Medicine Lodge is $86 per month for full coverage.

How much is car insurance in Medicine Lodge for teenagers?

Car insurance for teenagers costs $246 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 Medicine Lodge?

The average cost of car insurance is $964 for a six-month policy. It will cost around $181 per month to insure your car in Medicine Lodge.

Is car insurance expensive in Medicine Lodge?

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

Cheapest Car Insurance Quotes in Medicine Lodge

Why you can trust Way?

How Much Is Car Insurance in Medicine Lodge

Avg. Car Insurance in Medicine Lodge

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Medicine Lodge

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Medicine Lodge Car Insurance Rates by Company

Cheap Car Insurance Companies in Medicine Lodge, KS

Way's key takeaways about car insurance in Medicine Lodge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Medicine Lodge

Cheapest Liability Coverage in Medicine Lodge, KS

Cheapest Full Coverage Car Insurance in Medicine Lodge

Cheapest Full Coverage Car Insurance Quotes in Medicine Lodge, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Medicine Lodge by Rating Factor

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

Car Insurance Premiums by Age in Medicine Lodge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Medicine Lodge,KS

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

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 Medicine Lodge

Cheapest Car Insurance Companies after an At-Fault Accident in Medicine Lodge

Medicine Lodge Car Insurance Rates by Violation

Medicine Lodge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Medicine Lodge after a DUI

Medicine Lodge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Medicine Lodge after Speeding ticket

Car Insurance Price Trends in Medicine Lodge, Kansas

Average Car Insurance Cost in Medicine Lodge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Medicine Lodge, KS

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

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