Cheapest Car Insurance Quotes in Moundridge

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Moundridge Car Insurance

^$ 25

/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 Moundridge

The car insurance rate in Moundridge is $897 for a six-month policy, which is $67 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Moundridge 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 Moundridge

$897

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Moundridge

1st place: AutoOwners Insurance Co

At $431 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 $635 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 $674 for six months, making it the third cheapest auto insurance company in Moundridge.

Moundridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Moundridge, KS is AutoOwners Insurance Co, offering policies at just $431 for a six-month term. This is followed by Travelers, which has an average six-month premium of $635.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1430 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Moundridge drivers find the best deals.

Cheap Car Insurance Companies in Moundridge, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$431	$72
Travelers	$635	$107
American Family	$674	$113
USAA	$674	$113
Nationwide	$735	$124
Shelter	$795	$134
Auto-Owners	$911	$152
State Farm	$923	$155
Progressive	$1011	$170
Farmers	$1039	$175
Encompass	$1171	$195
Farm Bureau	$1232	$209
Allstate	$1430	$241

Key Takeaways

Way's key takeaways about car insurance in Moundridge

The auto insurance costs in Moundridge fall around $431 for six months.
The cheapest auto insurance company in Moundridge is USAA.
Teen drivers pay the highest rate in Moundridge at $715 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 Moundridge

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 Moundridge are given below.

USAA provides the cheapest minimum car insurance coverage in Moundridge. Their Average 6 Month Premium is $149. Encompass is the most expensive at $221 for the same period.

Cheapest Liability Coverage in Moundridge, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$149	$25
Auto-Owners Insurance Co	$154	$26
Iowa Farm Bureau	$193	$33
Farmers Union Insurance	$205	$34
Travelers	$210	$35
Auto-Owners	$221	$37
Electric	$221	$37
Kansas Farm Bureau	$232	$39
Progressive	$237	$40
American Family	$243	$41
State Farm	$243	$41
Farm Bureau	$248	$42
Shelter	$282	$47
Farmers	$404	$68
Allstate	$536	$90
Encompass	$221	$37

Cheapest Full Coverage Car Insurance in Moundridge

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 Moundridge is AutoOwners Insurance Co at $72 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Moundridge, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$431	$72
Travelers	$635	$107
American Family	$674	$113
USAA	$674	$113
Nationwide	$735	$124
Shelter	$795	$134
Auto-Owners	$911	$152
State Farm	$923	$155
Progressive	$1011	$170
Farmers	$1039	$175
Encompass	$1171	$195
Farm Bureau	$1232	$209
Allstate	$1430	$241

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Average Car Insurance in Moundridge 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 Moundridge, KS increasing?

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

Car Insurance Premiums by Age in Moundridge

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	$711
30s	Nationwide	$611
40s	Nationwide	$495
50s	Nationwide	$453
60s	Nationwide	$432
70s	Nationwide	$469

Cheapest Car Insurance Rates for Teen Drivers in Moundridge,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 Moundridge at $34 per month. At $4248 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	$205	$34
Iowa Farm Bureau	$227	$38
Farmers Union Insurance	$237	$40
Kansas Farm Bureau	$304	$50
Travelers	$658	$111
American Family	$1160	$195
USAA	$1375	$232
State Farm	$1939	$326
Shelter	$2160	$364
Progressive	$2176	$366
Farmers	$2508	$422
Farm Bureau	$2773	$462
Allstate	$4248	$715

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 Moundridge.

As young drivers face the highest rates in Moundridge, Nationwide offers the cheapest auto insurance rates at $711 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 Moundridge, Iowa Farm Bureau is the cheapest car insurance provider. At $370 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 Moundridge is State Farm, offering rates of around $3900 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$370	$63
Farmers Union Insurance	$376	$62
Nationwide	$404	$69
Travelers	$707	$119
USAA	$900	$153
Progressive	$923	$155
Shelter	$1000	$168
American Family	$1022	$172
Farmers	$1326	$223
Farm Bureau	$2276	$379
Allstate	$2386	$405
State Farm	$3900	$650

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

Car Insurance Rates with An Accident in Moundridge

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

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

The cheapest car insurance companies after an at-fault accident in Moundridge include AutoOwners Insurance Co and Electric, offering $188 and $265, respectively. Encompass is an expensive provider with an average six-month premium of $304.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$188	$32
Electric	$265	$45
Iowa Farm Bureau	$299	$49
Farmers Union Insurance	$315	$54
Auto-Owners	$331	$55
Kansas Farm Bureau	$419	$72
Travelers	$475	$80
USAA	$547	$92
State Farm	$607	$102
American Family	$646	$109
Shelter	$851	$143
Progressive	$1071	$180
Farmers	$1862	$313
Farm Bureau	$1867	$317
Allstate	$2066	$348
Encompass	$304	$52

Moundridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Moundridge KS. For example, the car insurance in Moundridge after a DUI increases to $944 for a six month policy. While the rate increases by $210 for a six-month policy in the case of a speeding ticket.

Moundridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1083	$180
One Med/PIP claim	$1083	$184
Not-at-fault accident	$1110	$185
Two Med/PIP claims	$1160	$197
One comp claim	$1165	$194
Failure to show documents	$1199	$204
Two comp claims	$1210	$202
Failure to wear a seat belt	$1221	$207
Child safety restraint	$1254	$209
Driving with expired registration	$1254	$213
Driving without lights	$1254	$209
Speeding 6 - 10 MPH over limit	$1293	$219
Cell phone violation	$1309	$219
Driving too slowly	$1309	$222
Texting while driving	$1309	$219
Failure to yield	$1321	$224
Following too closely	$1321	$220
Illegal turn	$1321	$224
Wrong way/wrong lane	$1321	$220
In 65 MPH zone	$1326	$225
Speeding 11 - 15 MPH over limit	$1326	$221
Failure to stop at a red light	$1332	$226
Improper passing	$1332	$222
Speeding in school zone	$1332	$226
Speeding 16 - 20 MPH over limit	$1336	$223
Open container	$1348	$229
Operating a vehicle without permission	$1359	$227
Passing school bus	$1370	$233
Speeding 21 - 25 MPH over limit	$1370	$229
At-fault accident - less than $1000	$1387	$236
At-fault accident - $1000-$2000	$1530	$255
At-fault accident - greater than $2000	$1530	$260
Racing	$1691	$282
Reckless driving	$1834	$312
Driving with a suspended license	$1988	$331
Refusal to submit to a chemical test	$2011	$342
DUI	$2027	$338
Leaving scene of an accident/hit and run	$2110	$359

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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 Moundridge 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 Moundridge.

The cheapest car insurance premiums in Moundridge are offered by Farmers Union Insurance at $365 for a six-month policy. However, it can be as expensive as $2928 with companies like Farm Bureau.

Moundridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$365	$62
Travelers	$503	$85
American Family	$597	$100
Progressive	$674	$113
State Farm	$823	$139
USAA	$1060	$179
Shelter	$1216	$205
Farmers	$1238	$208
Allstate	$1779	$299
Farm Bureau	$2928	$488

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 Moundridge are offered by Iowa Farm Bureau at $243. However, it can be as expensive as $3160 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Moundridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$243	$41
Auto-Owners Insurance Co	$254	$43
Farmers Union Insurance	$271	$46
Travelers	$536	$90
American Family	$580	$98
USAA	$586	$98
State Farm	$597	$100
Progressive	$801	$135
Farm Bureau	$1056	$179
Shelter	$1176	$196
Farmers	$1265	$213
Allstate	$3160	$526

Car Insurance Price Trends in Moundridge, Kansas

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

The average cost of full coverage in the Moundridge rose by $172 in December compared to $171 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 Moundridge rose to $43 in December, compared to $42 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 Moundridge?

The car insurance in Moundridge is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Moundridge?

The cheapest car insurance in Moundridge is $72 per month for full coverage.

How much is car insurance in Moundridge for teenagers?

Car insurance for teenagers costs $205 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 Moundridge?

The average cost of car insurance is $964 for a six-month policy. It will cost around $151 per month to insure your car in Moundridge.

Is car insurance expensive in Moundridge?

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

Cheapest Car Insurance Quotes in Moundridge

Why you can trust Way?

How Much Is Car Insurance in Moundridge

Avg. Car Insurance in Moundridge

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Moundridge

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Moundridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Moundridge, KS

Way's key takeaways about car insurance in Moundridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Moundridge

Cheapest Liability Coverage in Moundridge, KS

Cheapest Full Coverage Car Insurance in Moundridge

Cheapest Full Coverage Car Insurance Quotes in Moundridge, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Moundridge by Rating Factor

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

Car Insurance Premiums by Age in Moundridge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Moundridge,KS

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

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 Moundridge

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

Moundridge Car Insurance Rates by Violation

Moundridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Moundridge after a DUI

Moundridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Moundridge after Speeding ticket

Car Insurance Price Trends in Moundridge, Kansas

Average Car Insurance Cost in Moundridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Moundridge, KS

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

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