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Onaga Car Insurance
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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.
The car insurance rate in Onaga is $916 for a six-month policy, which is $48 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $440, making it a popular choice for budget-conscious drivers. Rates in Onaga 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.
At $440 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.
Travelers offers auto insurance rates at $649 for a six-month policy, making it one of the cheapest to insure with.
American Family offers auto insurance rates at $689 for six months, making it the third cheapest auto insurance company in Onaga.
Based on our research, the cheapest car insurance company in Onaga, KS is AutoOwners Insurance Co, offering policies at just $440 for a six-month term. This is followed by Travelers, which has an average six-month premium of $649.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1461 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Onaga drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $440 | $73 |
| Travelers | $649 | $109 |
| American Family | $689 | $116 |
| USAA | $689 | $116 |
| Nationwide | $751 | $126 |
| Shelter | $812 | $137 |
| Auto-Owners | $931 | $155 |
| State Farm | $942 | $159 |
| Progressive | $1033 | $174 |
| Farmers | $1061 | $179 |
| Encompass | $1196 | $200 |
| Farm Bureau | $1259 | $214 |
| Allstate | $1461 | $246 |
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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 Onaga are given below.
USAA provides the cheapest minimum car insurance coverage in Onaga. Their Average 6 Month Premium is $152. Encompass is the most expensive at $226 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $152 | $26 |
| Auto-Owners Insurance Co | $158 | $27 |
| Iowa Farm Bureau | $198 | $33 |
| Farmers Union Insurance | $209 | $35 |
| Travelers | $215 | $36 |
| Auto-Owners | $226 | $38 |
| Electric | $226 | $38 |
| Kansas Farm Bureau | $237 | $40 |
| Progressive | $242 | $41 |
| American Family | $248 | $42 |
| State Farm | $248 | $42 |
| Farm Bureau | $254 | $43 |
| Shelter | $288 | $48 |
| Farmers | $412 | $69 |
| Allstate | $547 | $92 |
| Encompass | $226 | $38 |
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 Onaga is AutoOwners Insurance Co at $73 per month and $440 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $440 | $73 |
| Travelers | $649 | $109 |
| American Family | $689 | $116 |
| USAA | $689 | $116 |
| Nationwide | $751 | $126 |
| Shelter | $812 | $137 |
| Auto-Owners | $931 | $155 |
| State Farm | $942 | $159 |
| Progressive | $1033 | $174 |
| Farmers | $1061 | $179 |
| Encompass | $1196 | $200 |
| Farm Bureau | $1259 | $214 |
| Allstate | $1461 | $246 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Onaga, 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, Onaga's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Nationwide | $726 |
| 30s | Nationwide | $624 |
| 40s | Nationwide | $505 |
| 50s | Nationwide | $463 |
| 60s | Nationwide | $441 |
| 70s | Nationwide | $479 |
If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Onaga at $35 per month. At $4340 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 | $209 | $35 |
| Iowa Farm Bureau | $232 | $39 |
| Farmers Union Insurance | $242 | $41 |
| Kansas Farm Bureau | $311 | $51 |
| Travelers | $672 | $113 |
| American Family | $1185 | $200 |
| USAA | $1405 | $237 |
| State Farm | $1981 | $333 |
| Shelter | $2207 | $371 |
| Progressive | $2223 | $374 |
| Farmers | $2562 | $431 |
| Farm Bureau | $2833 | $472 |
| Allstate | $4340 | $731 |
Teen Car Insurance Rates in KS by Age
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.
For those with poor credit scores in Onaga, Iowa Farm Bureau is the cheapest car insurance provider. At $378 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 Onaga is State Farm, offering rates of around $3984 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Iowa Farm Bureau | $378 | $65 |
| Farmers Union Insurance | $384 | $64 |
| Nationwide | $412 | $70 |
| Travelers | $722 | $122 |
| USAA | $920 | $157 |
| Progressive | $942 | $159 |
| Shelter | $1021 | $172 |
| American Family | $1044 | $176 |
| Farmers | $1355 | $228 |
| Farm Bureau | $2325 | $388 |
| Allstate | $2438 | $414 |
| State Farm | $3984 | $664 |
Save up to $971/yr on car insurance rates in Onaga.
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 Onaga, KS, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Onaga include AutoOwners Insurance Co and Electric, offering $192 and $271, respectively. Encompass is an expensive provider with an average six-month premium of $311.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $192 | $32 |
| Electric | $271 | $46 |
| Iowa Farm Bureau | $305 | $50 |
| Farmers Union Insurance | $322 | $55 |
| Auto-Owners | $338 | $56 |
| Kansas Farm Bureau | $428 | $73 |
| Travelers | $485 | $82 |
| USAA | $559 | $94 |
| State Farm | $620 | $105 |
| American Family | $660 | $111 |
| Shelter | $869 | $146 |
| Progressive | $1094 | $184 |
| Farmers | $1902 | $320 |
| Farm Bureau | $1908 | $324 |
| Allstate | $2111 | $355 |
| Encompass | $311 | $53 |
Here is a list of driving violations that can increase your car insurance rates in Onaga KS. For example, the car insurance in Onaga after a DUI increases to $965 for a six month policy. While the rate increases by $215 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1106 | $184 |
| One Med/PIP claim | $1106 | $188 |
| Not-at-fault accident | $1134 | $189 |
| Two Med/PIP claims | $1185 | $201 |
| One comp claim | $1190 | $199 |
| Failure to show documents | $1225 | $208 |
| Two comp claims | $1236 | $206 |
| Failure to wear a seat belt | $1247 | $212 |
| Child safety restraint | $1281 | $214 |
| Driving with expired registration | $1281 | $218 |
| Driving without lights | $1281 | $214 |
| Speeding 6 - 10 MPH over limit | $1321 | $224 |
| Cell phone violation | $1338 | $223 |
| Driving too slowly | $1338 | $227 |
| Texting while driving | $1338 | $223 |
| Failure to yield | $1349 | $229 |
| Following too closely | $1349 | $225 |
| Illegal turn | $1349 | $229 |
| Wrong way/wrong lane | $1349 | $225 |
| In 65 MPH zone | $1355 | $230 |
| Speeding 11 - 15 MPH over limit | $1355 | $226 |
| Failure to stop at a red light | $1360 | $231 |
| Improper passing | $1360 | $227 |
| Speeding in school zone | $1360 | $231 |
| Speeding 16 - 20 MPH over limit | $1365 | $228 |
| Open container | $1377 | $234 |
| Operating a vehicle without permission | $1388 | $232 |
| Passing school bus | $1399 | $238 |
| Speeding 21 - 25 MPH over limit | $1399 | $234 |
| At-fault accident - less than $1000 | $1416 | $241 |
| At-fault accident - $1000-$2000 | $1563 | $260 |
| At-fault accident - greater than $2000 | $1563 | $266 |
| Racing | $1727 | $288 |
| Reckless driving | $1873 | $318 |
| Driving with a suspended license | $2031 | $338 |
| Refusal to submit to a chemical test | $2054 | $350 |
| DUI | $2071 | $345 |
| Leaving scene of an accident/hit and run | $2156 | $367 |
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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.
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 Onaga.
The cheapest car insurance premiums in Onaga are offered by Farmers Union Insurance at $372 for a six-month policy. However, it can be as expensive as $2991 with companies like Farm Bureau.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Farmers Union Insurance | $372 | $64 |
| Travelers | $514 | $86 |
| American Family | $610 | $103 |
| Progressive | $689 | $116 |
| State Farm | $841 | $142 |
| USAA | $1083 | $182 |
| Shelter | $1242 | $209 |
| Farmers | $1264 | $213 |
| Allstate | $1817 | $306 |
| Farm Bureau | $2991 | $499 |
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 Onaga are offered by Iowa Farm Bureau at $248. However, it can be as expensive as $3228 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Iowa Farm Bureau | $248 | $42 |
| Auto-Owners Insurance Co | $259 | $44 |
| Farmers Union Insurance | $276 | $47 |
| Travelers | $547 | $92 |
| American Family | $593 | $100 |
| USAA | $599 | $100 |
| State Farm | $610 | $103 |
| Progressive | $818 | $138 |
| Farm Bureau | $1078 | $183 |
| Shelter | $1202 | $200 |
| Farmers | $1292 | $218 |
| Allstate | $3228 | $538 |
Car insurance rates in Onaga have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Onaga rose by $176 in December compared to $175 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 Onaga rose to $44 in December, compared to $43 in November. This represents an increase of $1 when comparing December and November.
How much is car insurance in Onaga?
The car insurance in Onaga is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Onaga?
The cheapest car insurance in Onaga is $73 per month for full coverage.
How much is car insurance in Onaga for teenagers?
Car insurance for teenagers costs $209 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 Onaga?
The average cost of car insurance is $964 for a six-month policy. It will cost around $154 per month to insure your car in Onaga.
Is car insurance expensive in Onaga?
Car insurance can be expensive in Onaga if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Onaga can be affordable.
What is the best car insurance in Onaga, KS?
The best car insurance company in Onaga KS is AutoOwners Insurance Co, offering $440 for a six-month policy.
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