Cheapest Car Insurance Quotes in Newton

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Newton 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 Newton

The car insurance rate in Newton is $887 for a six-month policy, which is $77 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $426, making it a popular choice for budget-conscious drivers. Rates in Newton 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 Newton

$887

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Newton

1st place: AutoOwners Insurance Co

At $426 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 $628 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 $667 for six months, making it the third cheapest auto insurance company in Newton.

Newton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Newton, KS is AutoOwners Insurance Co, offering policies at just $426 for a six-month term. This is followed by Travelers, which has an average six-month premium of $628.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1415 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Newton drivers find the best deals.

Cheap Car Insurance Companies in Newton, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$426	$71
Travelers	$628	$106
American Family	$667	$112
USAA	$667	$112
Nationwide	$727	$122
Shelter	$787	$132
Auto-Owners	$902	$150
State Farm	$913	$154
Progressive	$1000	$168
Farmers	$1028	$173
Encompass	$1158	$193
Farm Bureau	$1219	$207
Allstate	$1415	$238

Key Takeaways

Way's key takeaways about car insurance in Newton

The auto insurance costs in Newton fall around $426 for six months.
The cheapest auto insurance company in Newton is USAA.
Teen drivers pay the highest rate in Newton at $707 per month.

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Cheapest Minimum Liability Car Insurance in Newton

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 Newton are given below.

USAA provides the cheapest minimum car insurance coverage in Newton. Their Average 6 Month Premium is $147. Encompass is the most expensive at $219 for the same period.

Cheapest Liability Coverage in Newton, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$147	$25
Auto-Owners Insurance Co	$153	$26
Iowa Farm Bureau	$191	$32
Farmers Union Insurance	$202	$34
Travelers	$208	$35
Auto-Owners	$219	$37
Electric	$219	$37
Kansas Farm Bureau	$229	$39
Progressive	$235	$40
American Family	$240	$40
State Farm	$240	$40
Farm Bureau	$246	$41
Shelter	$279	$47
Farmers	$399	$67
Allstate	$530	$89
Encompass	$219	$37

Cheapest Full Coverage Car Insurance in Newton

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 Newton is AutoOwners Insurance Co at $71 per month and $426 for six months.

Cheapest Full Coverage Car Insurance Quotes in Newton, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$426	$71
Travelers	$628	$106
American Family	$667	$112
USAA	$667	$112
Nationwide	$727	$122
Shelter	$787	$132
Auto-Owners	$902	$150
State Farm	$913	$154
Progressive	$1000	$168
Farmers	$1028	$173
Encompass	$1158	$193
Farm Bureau	$1219	$207
Allstate	$1415	$238

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Average Car Insurance in Newton 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 Newton, KS increasing?

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

Car Insurance Premiums by Age in Newton

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	$703
30s	Nationwide	$604
40s	Nationwide	$489
50s	Nationwide	$448
60s	Nationwide	$427
70s	Nationwide	$464

Cheapest Car Insurance Rates for Teen Drivers in Newton,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 Newton at $34 per month. At $4203 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	$202	$34
Iowa Farm Bureau	$224	$38
Farmers Union Insurance	$235	$40
Kansas Farm Bureau	$301	$50
Travelers	$650	$109
American Family	$1147	$193
USAA	$1361	$229
State Farm	$1918	$323
Shelter	$2137	$360
Progressive	$2153	$362
Farmers	$2481	$418
Farm Bureau	$2743	$457
Allstate	$4203	$707

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 Newton.

As young drivers face the highest rates in Newton, Nationwide offers the cheapest auto insurance rates at $703 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 Newton, Iowa Farm Bureau is the cheapest car insurance provider. At $366 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 Newton is State Farm, offering rates of around $3858 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$366	$63
Farmers Union Insurance	$372	$62
Nationwide	$399	$68
Travelers	$699	$118
USAA	$891	$152
Progressive	$913	$154
Shelter	$989	$167
American Family	$1011	$170
Farmers	$1312	$221
Farm Bureau	$2251	$375
Allstate	$2361	$401
State Farm	$3858	$643

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Car Insurance Rates with An Accident in Newton

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

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

The cheapest car insurance companies after an at-fault accident in Newton include AutoOwners Insurance Co and Electric, offering $186 and $262, respectively. Encompass is an expensive provider with an average six-month premium of $301.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$186	$31
Electric	$262	$44
Iowa Farm Bureau	$295	$49
Farmers Union Insurance	$312	$53
Auto-Owners	$328	$54
Kansas Farm Bureau	$415	$71
Travelers	$470	$79
USAA	$541	$91
State Farm	$601	$101
American Family	$639	$108
Shelter	$842	$142
Progressive	$1060	$178
Farmers	$1842	$310
Farm Bureau	$1847	$314
Allstate	$2044	$344
Encompass	$301	$52

Newton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Newton KS. For example, the car insurance in Newton after a DUI increases to $935 for a six month policy. While the rate increases by $208 for a six-month policy in the case of a speeding ticket.

Newton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1071	$178
One Med/PIP claim	$1071	$182
Not-at-fault accident	$1098	$183
Two Med/PIP claims	$1147	$195
One comp claim	$1153	$192
Failure to show documents	$1186	$201
Two comp claims	$1197	$200
Failure to wear a seat belt	$1208	$205
Child safety restraint	$1240	$207
Driving with expired registration	$1240	$211
Driving without lights	$1240	$207
Speeding 6 - 10 MPH over limit	$1279	$217
Cell phone violation	$1295	$216
Driving too slowly	$1295	$220
Texting while driving	$1295	$216
Failure to yield	$1306	$222
Following too closely	$1306	$218
Illegal turn	$1306	$222
Wrong way/wrong lane	$1306	$218
In 65 MPH zone	$1312	$223
Speeding 11 - 15 MPH over limit	$1312	$219
Failure to stop at a red light	$1317	$224
Improper passing	$1317	$220
Speeding in school zone	$1317	$224
Speeding 16 - 20 MPH over limit	$1322	$221
Open container	$1333	$226
Operating a vehicle without permission	$1344	$224
Passing school bus	$1355	$230
Speeding 21 - 25 MPH over limit	$1355	$226
At-fault accident - less than $1000	$1372	$234
At-fault accident - $1000-$2000	$1513	$252
At-fault accident - greater than $2000	$1513	$258
Racing	$1673	$279
Reckless driving	$1814	$308
Driving with a suspended license	$1967	$328
Refusal to submit to a chemical test	$1989	$339
DUI	$2006	$334
Leaving scene of an accident/hit and run	$2087	$355

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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 Newton 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 Newton.

The cheapest car insurance premiums in Newton are offered by Farmers Union Insurance at $361 for a six-month policy. However, it can be as expensive as $2896 with companies like Farm Bureau.

Newton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$361	$62
Travelers	$498	$84
American Family	$591	$99
Progressive	$667	$112
State Farm	$814	$137
USAA	$1049	$177
Shelter	$1202	$202
Farmers	$1225	$206
Allstate	$1760	$296
Farm Bureau	$2896	$483

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 Newton are offered by Iowa Farm Bureau at $240. However, it can be as expensive as $3126 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Newton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$240	$40
Auto-Owners Insurance Co	$251	$42
Farmers Union Insurance	$268	$45
Travelers	$530	$89
American Family	$574	$97
USAA	$580	$97
State Farm	$591	$99
Progressive	$792	$133
Farm Bureau	$1044	$178
Shelter	$1164	$194
Farmers	$1251	$211
Allstate	$3126	$521

Car Insurance Price Trends in Newton, Kansas

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

The average cost of full coverage in the Newton rose by $170 in December compared to $169 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 Newton rose to $42 in December, compared to $41 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 Newton?

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

What is the cheapest car insurance in Newton?

The cheapest car insurance in Newton is $71 per month for full coverage.

How much is car insurance in Newton for teenagers?

Car insurance for teenagers costs $202 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 Newton?

The average cost of car insurance is $964 for a six-month policy. It will cost around $149 per month to insure your car in Newton.

Is car insurance expensive in Newton?

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

Cheapest Car Insurance Quotes in Newton

Why you can trust Way?

How Much Is Car Insurance in Newton

Avg. Car Insurance in Newton

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Newton

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Newton Car Insurance Rates by Company

Cheap Car Insurance Companies in Newton, KS

Way's key takeaways about car insurance in Newton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Newton

Cheapest Liability Coverage in Newton, KS

Cheapest Full Coverage Car Insurance in Newton

Cheapest Full Coverage Car Insurance Quotes in Newton, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Newton by Rating Factor

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

Car Insurance Premiums by Age in Newton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Newton,KS

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

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 Newton

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

Newton Car Insurance Rates by Violation

Newton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Newton after a DUI

Newton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Newton after Speeding ticket

Car Insurance Price Trends in Newton, Kansas

Average Car Insurance Cost in Newton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Newton, KS

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

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