Cheapest Car Insurance Quotes in Morland

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Morland Car Insurance

^$ 29

/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 Morland

The car insurance rate in Morland is $1022 for a six-month policy, which is $58 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $491, making it a popular choice for budget-conscious drivers. Rates in Morland 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 Morland

$1022

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Morland

1st place: AutoOwners Insurance Co

At $491 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 $724 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 $769 for six months, making it the third cheapest auto insurance company in Morland.

Morland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Morland, KS is AutoOwners Insurance Co, offering policies at just $491 for a six-month term. This is followed by Travelers, which has an average six-month premium of $724.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1630 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Morland drivers find the best deals.

Cheap Car Insurance Companies in Morland, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$491	$82
Travelers	$724	$122
American Family	$769	$129
USAA	$769	$129
Nationwide	$837	$141
Shelter	$906	$153
Auto-Owners	$1039	$173
State Farm	$1052	$177
Progressive	$1152	$194
Farmers	$1184	$199
Encompass	$1335	$223
Farm Bureau	$1405	$239
Allstate	$1630	$275

Key Takeaways

Way's key takeaways about car insurance in Morland

The auto insurance costs in Morland fall around $491 for six months.
The cheapest auto insurance company in Morland is USAA.
Teen drivers pay the highest rate in Morland at $815 per month.

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Cheapest Minimum Liability Car Insurance in Morland

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 Morland are given below.

USAA provides the cheapest minimum car insurance coverage in Morland. Their Average 6 Month Premium is $170. Encompass is the most expensive at $252 for the same period.

Cheapest Liability Coverage in Morland, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$170	$29
Auto-Owners Insurance Co	$176	$30
Iowa Farm Bureau	$220	$37
Farmers Union Insurance	$233	$39
Travelers	$240	$40
Auto-Owners	$252	$42
Electric	$252	$42
Kansas Farm Bureau	$264	$45
Progressive	$270	$46
American Family	$277	$47
State Farm	$277	$47
Farm Bureau	$283	$48
Shelter	$321	$54
Farmers	$460	$77
Allstate	$611	$103
Encompass	$252	$42

Cheapest Full Coverage Car Insurance in Morland

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 Morland is AutoOwners Insurance Co at $82 per month and $491 for six months.

Cheapest Full Coverage Car Insurance Quotes in Morland, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$491	$82
Travelers	$724	$122
American Family	$769	$129
USAA	$769	$129
Nationwide	$837	$141
Shelter	$906	$153
Auto-Owners	$1039	$173
State Farm	$1052	$177
Progressive	$1152	$194
Farmers	$1184	$199
Encompass	$1335	$223
Farm Bureau	$1405	$239
Allstate	$1630	$275

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Average Car Insurance in Morland 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 Morland, KS increasing?

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

Car Insurance Premiums by Age in Morland

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 Morland,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 Morland at $39 per month. At $4842 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	$233	$39
Iowa Farm Bureau	$259	$43
Farmers Union Insurance	$270	$46
Kansas Farm Bureau	$347	$57
Travelers	$749	$126
American Family	$1322	$223
USAA	$1568	$264
State Farm	$2210	$372
Shelter	$2462	$414
Progressive	$2480	$418
Farmers	$2859	$481
Farm Bureau	$3161	$527
Allstate	$4842	$815

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 Morland.

As young drivers face the highest rates in Morland, 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 Morland, Iowa Farm Bureau is the cheapest car insurance provider. At $422 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 Morland is State Farm, offering rates of around $4446 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$422	$72
Farmers Union Insurance	$428	$71
Nationwide	$460	$78
Travelers	$806	$136
USAA	$1026	$175
Progressive	$1052	$177
Shelter	$1140	$192
American Family	$1165	$196
Farmers	$1512	$254
Farm Bureau	$2594	$432
Allstate	$2720	$462
State Farm	$4446	$741

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

Car Insurance Rates with An Accident in Morland

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

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

The cheapest car insurance companies after an at-fault accident in Morland include AutoOwners Insurance Co and Electric, offering $214 and $302, respectively. Encompass is an expensive provider with an average six-month premium of $347.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$214	$36
Electric	$302	$51
Iowa Farm Bureau	$340	$56
Farmers Union Insurance	$359	$61
Auto-Owners	$377	$63
Kansas Farm Bureau	$478	$82
Travelers	$542	$91
USAA	$623	$105
State Farm	$692	$117
American Family	$737	$124
Shelter	$970	$163
Progressive	$1221	$206
Farmers	$2122	$357
Farm Bureau	$2128	$361
Allstate	$2355	$396
Encompass	$347	$59

Morland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Morland KS. For example, the car insurance in Morland after a DUI increases to $1077 for a six month policy. While the rate increases by $239 for a six-month policy in the case of a speeding ticket.

Morland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1234	$206
One Med/PIP claim	$1234	$210
Not-at-fault accident	$1266	$211
Two Med/PIP claims	$1322	$225
One comp claim	$1328	$222
Failure to show documents	$1366	$232
Two comp claims	$1379	$230
Failure to wear a seat belt	$1392	$236
Child safety restraint	$1429	$239
Driving with expired registration	$1429	$243
Driving without lights	$1429	$239
Speeding 6 - 10 MPH over limit	$1473	$250
Cell phone violation	$1492	$249
Driving too slowly	$1492	$253
Texting while driving	$1492	$249
Failure to yield	$1505	$255
Following too closely	$1505	$251
Illegal turn	$1505	$255
Wrong way/wrong lane	$1505	$251
In 65 MPH zone	$1512	$257
Speeding 11 - 15 MPH over limit	$1512	$252
Failure to stop at a red light	$1518	$258
Improper passing	$1518	$253
Speeding in school zone	$1518	$258
Speeding 16 - 20 MPH over limit	$1523	$254
Open container	$1536	$261
Operating a vehicle without permission	$1549	$259
Passing school bus	$1561	$265
Speeding 21 - 25 MPH over limit	$1561	$261
At-fault accident - less than $1000	$1580	$269
At-fault accident - $1000-$2000	$1744	$290
At-fault accident - greater than $2000	$1744	$297
Racing	$1927	$321
Reckless driving	$2090	$355
Driving with a suspended license	$2266	$377
Refusal to submit to a chemical test	$2292	$390
DUI	$2311	$385
Leaving scene of an accident/hit and run	$2405	$409

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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 Morland 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 Morland.

The cheapest car insurance premiums in Morland are offered by Farmers Union Insurance at $416 for a six-month policy. However, it can be as expensive as $3337 with companies like Farm Bureau.

Morland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$416	$71
Travelers	$573	$96
American Family	$681	$114
Progressive	$769	$129
State Farm	$938	$158
USAA	$1208	$204
Shelter	$1385	$233
Farmers	$1411	$237
Allstate	$2028	$341
Farm Bureau	$3337	$557

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 Morland are offered by Iowa Farm Bureau at $277. However, it can be as expensive as $3602 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Morland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$277	$47
Auto-Owners Insurance Co	$289	$49
Farmers Union Insurance	$308	$52
Travelers	$611	$103
American Family	$661	$111
USAA	$668	$111
State Farm	$681	$114
Progressive	$913	$154
Farm Bureau	$1203	$205
Shelter	$1341	$224
Farmers	$1442	$243
Allstate	$3602	$600

Car Insurance Price Trends in Morland, Kansas

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

The average cost of full coverage in the Morland rose by $196 in December compared to $195 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 Morland rose to $49 in December, compared to $48 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 Morland?

The car insurance in Morland is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Morland?

The cheapest car insurance in Morland is $82 per month for full coverage.

How much is car insurance in Morland for teenagers?

Car insurance for teenagers costs $233 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 Morland?

The average cost of car insurance is $964 for a six-month policy. It will cost around $172 per month to insure your car in Morland.

Is car insurance expensive in Morland?

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

Cheapest Car Insurance Quotes in Morland

Why you can trust Way?

How Much Is Car Insurance in Morland

Avg. Car Insurance in Morland

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Morland

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Morland Car Insurance Rates by Company

Cheap Car Insurance Companies in Morland, KS

Way's key takeaways about car insurance in Morland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Morland

Cheapest Liability Coverage in Morland, KS

Cheapest Full Coverage Car Insurance in Morland

Cheapest Full Coverage Car Insurance Quotes in Morland, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Morland by Rating Factor

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

Car Insurance Premiums by Age in Morland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Morland,KS

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

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 Morland

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

Morland Car Insurance Rates by Violation

Morland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Morland after a DUI

Morland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Morland after Speeding ticket

Car Insurance Price Trends in Morland, Kansas

Average Car Insurance Cost in Morland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Morland, KS

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

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