Cheapest Car Insurance Quotes in Ness City

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Ness City 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 Ness City

The car insurance rate in Ness City is $1031 for a six-month policy, which is $67 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $495, making it a popular choice for budget-conscious drivers. Rates in Ness City 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 Ness City

$1031

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Ness City

1st place: AutoOwners Insurance Co

At $495 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 $731 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 $776 for six months, making it the third cheapest auto insurance company in Ness City.

Ness City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ness City, KS is AutoOwners Insurance Co, offering policies at just $495 for a six-month term. This is followed by Travelers, which has an average six-month premium of $731.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1646 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ness City drivers find the best deals.

Cheap Car Insurance Companies in Ness City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$495	$82
Travelers	$731	$123
American Family	$776	$131
USAA	$776	$131
Nationwide	$845	$142
Shelter	$915	$154
Auto-Owners	$1049	$174
State Farm	$1061	$179
Progressive	$1163	$196
Farmers	$1195	$201
Encompass	$1347	$225
Farm Bureau	$1418	$241
Allstate	$1646	$277

Key Takeaways

Way's key takeaways about car insurance in Ness City

The auto insurance costs in Ness City fall around $495 for six months.
The cheapest auto insurance company in Ness City is USAA.
Teen drivers pay the highest rate in Ness City at $823 per month.

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Cheapest Minimum Liability Car Insurance in Ness City

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 Ness City are given below.

USAA provides the cheapest minimum car insurance coverage in Ness City. Their Average 6 Month Premium is $171. Encompass is the most expensive at $255 for the same period.

Cheapest Liability Coverage in Ness City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$171	$29
Auto-Owners Insurance Co	$178	$30
Iowa Farm Bureau	$223	$37
Farmers Union Insurance	$235	$40
Travelers	$242	$41
Auto-Owners	$255	$43
Electric	$255	$43
Kansas Farm Bureau	$266	$45
Progressive	$273	$46
American Family	$279	$47
State Farm	$279	$47
Farm Bureau	$286	$48
Shelter	$324	$55
Farmers	$464	$78
Allstate	$616	$104
Encompass	$255	$43

Cheapest Full Coverage Car Insurance in Ness City

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 Ness City is AutoOwners Insurance Co at $82 per month and $495 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ness City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$495	$82
Travelers	$731	$123
American Family	$776	$131
USAA	$776	$131
Nationwide	$845	$142
Shelter	$915	$154
Auto-Owners	$1049	$174
State Farm	$1061	$179
Progressive	$1163	$196
Farmers	$1195	$201
Encompass	$1347	$225
Farm Bureau	$1418	$241
Allstate	$1646	$277

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Average Car Insurance in Ness City 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 Ness City, KS increasing?

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

Car Insurance Premiums by Age in Ness City

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	$817
30s	Nationwide	$703
40s	Nationwide	$569
50s	Nationwide	$521
60s	Nationwide	$496
70s	Nationwide	$539

Cheapest Car Insurance Rates for Teen Drivers in Ness City,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 Ness City at $40 per month. At $4888 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	$235	$40
Iowa Farm Bureau	$261	$44
Farmers Union Insurance	$273	$46
Kansas Farm Bureau	$350	$58
Travelers	$756	$127
American Family	$1334	$225
USAA	$1583	$266
State Farm	$2231	$376
Shelter	$2486	$418
Progressive	$2504	$422
Farmers	$2886	$486
Farm Bureau	$3191	$532
Allstate	$4888	$823

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 Ness City.

As young drivers face the highest rates in Ness City, Nationwide offers the cheapest auto insurance rates at $817 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 Ness City, Iowa Farm Bureau is the cheapest car insurance provider. At $426 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 Ness City is State Farm, offering rates of around $4488 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$426	$73
Farmers Union Insurance	$432	$72
Nationwide	$464	$79
Travelers	$813	$137
USAA	$1036	$177
Progressive	$1061	$179
Shelter	$1150	$194
American Family	$1176	$198
Farmers	$1526	$257
Farm Bureau	$2618	$437
Allstate	$2746	$467
State Farm	$4488	$748

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Ness City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Ness City

The cheapest car insurance companies after an at-fault accident in Ness City include AutoOwners Insurance Co and Electric, offering $216 and $305, respectively. Encompass is an expensive provider with an average six-month premium of $350.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$216	$36
Electric	$305	$51
Iowa Farm Bureau	$343	$57
Farmers Union Insurance	$363	$62
Auto-Owners	$381	$63
Kansas Farm Bureau	$483	$82
Travelers	$547	$92
USAA	$629	$106
State Farm	$699	$118
American Family	$744	$125
Shelter	$979	$165
Progressive	$1233	$208
Farmers	$2142	$361
Farm Bureau	$2149	$365
Allstate	$2378	$400
Encompass	$350	$60

Ness City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ness City KS. For example, the car insurance in Ness City after a DUI increases to $1088 for a six month policy. While the rate increases by $242 for a six-month policy in the case of a speeding ticket.

Ness City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1245	$208
One Med/PIP claim	$1245	$212
Not-at-fault accident	$1278	$213
Two Med/PIP claims	$1334	$227
One comp claim	$1341	$224
Failure to show documents	$1379	$234
Two comp claims	$1392	$232
Failure to wear a seat belt	$1405	$239
Child safety restraint	$1442	$241
Driving with expired registration	$1442	$245
Driving without lights	$1442	$241
Speeding 6 - 10 MPH over limit	$1487	$253
Cell phone violation	$1507	$251
Driving too slowly	$1507	$256
Texting while driving	$1507	$251
Failure to yield	$1519	$258
Following too closely	$1519	$254
Illegal turn	$1519	$258
Wrong way/wrong lane	$1519	$254
In 65 MPH zone	$1526	$259
Speeding 11 - 15 MPH over limit	$1526	$255
Failure to stop at a red light	$1532	$260
Improper passing	$1532	$256
Speeding in school zone	$1532	$260
Speeding 16 - 20 MPH over limit	$1538	$257
Open container	$1550	$263
Operating a vehicle without permission	$1563	$261
Passing school bus	$1576	$268
Speeding 21 - 25 MPH over limit	$1576	$263
At-fault accident - less than $1000	$1595	$272
At-fault accident - $1000-$2000	$1760	$293
At-fault accident - greater than $2000	$1760	$300
Racing	$1945	$324
Reckless driving	$2110	$358
Driving with a suspended license	$2288	$381
Refusal to submit to a chemical test	$2313	$394
DUI	$2333	$388
Leaving scene of an accident/hit and run	$2428	$413

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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 Ness City 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 Ness City.

The cheapest car insurance premiums in Ness City are offered by Farmers Union Insurance at $419 for a six-month policy. However, it can be as expensive as $3368 with companies like Farm Bureau.

Ness City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$419	$72
Travelers	$579	$97
American Family	$687	$116
Progressive	$776	$131
State Farm	$947	$159
USAA	$1220	$205
Shelter	$1398	$235
Farmers	$1424	$240
Allstate	$2047	$345
Farm Bureau	$3368	$562

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 Ness City are offered by Iowa Farm Bureau at $279. However, it can be as expensive as $3636 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Ness City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$279	$47
Auto-Owners Insurance Co	$292	$49
Farmers Union Insurance	$311	$52
Travelers	$616	$104
American Family	$668	$112
USAA	$674	$112
State Farm	$687	$116
Progressive	$921	$155
Farm Bureau	$1214	$207
Shelter	$1354	$226
Farmers	$1455	$245
Allstate	$3636	$606

Car Insurance Price Trends in Ness City, Kansas

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

The average cost of full coverage in the Ness City rose by $198 in December compared to $197 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 Ness City 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 Ness City?

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

What is the cheapest car insurance in Ness City?

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

How much is car insurance in Ness City for teenagers?

Car insurance for teenagers costs $235 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 Ness City?

The average cost of car insurance is $964 for a six-month policy. It will cost around $173 per month to insure your car in Ness City.

Is car insurance expensive in Ness City?

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

Cheapest Car Insurance Quotes in Ness City

Why you can trust Way?

How Much Is Car Insurance in Ness City

Avg. Car Insurance in Ness City

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Ness City

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Ness City Car Insurance Rates by Company

Cheap Car Insurance Companies in Ness City, KS

Way's key takeaways about car insurance in Ness City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ness City

Cheapest Liability Coverage in Ness City, KS

Cheapest Full Coverage Car Insurance in Ness City

Cheapest Full Coverage Car Insurance Quotes in Ness City, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ness City by Rating Factor

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

Car Insurance Premiums by Age in Ness City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ness City,KS

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

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 Ness City

Cheapest Car Insurance Companies after an At-Fault Accident in Ness City

Ness City Car Insurance Rates by Violation

Ness City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ness City after a DUI

Ness City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ness City after Speeding ticket

Car Insurance Price Trends in Ness City, Kansas

Average Car Insurance Cost in Ness City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ness City, KS

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

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