Cheapest Car Insurance Quotes in Osage City

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Osage City Car Insurance

^$ 26

/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 Osage City

The car insurance rate in Osage City is $935 for a six-month policy, which is $29 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $449, making it a popular choice for budget-conscious drivers. Rates in Osage 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 Osage City

$935

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Osage City

1st place: AutoOwners Insurance Co

At $449 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 $663 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 $703 for six months, making it the third cheapest auto insurance company in Osage City.

Osage City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Osage City, KS is AutoOwners Insurance Co, offering policies at just $449 for a six-month term. This is followed by Travelers, which has an average six-month premium of $663.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1492 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Osage City drivers find the best deals.

Cheap Car Insurance Companies in Osage City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$449	$75
Travelers	$663	$112
American Family	$703	$118
USAA	$703	$118
Nationwide	$766	$129
Shelter	$829	$140
Auto-Owners	$951	$158
State Farm	$962	$162
Progressive	$1054	$178
Farmers	$1083	$182
Encompass	$1221	$204
Farm Bureau	$1285	$218
Allstate	$1492	$251

Key Takeaways

Way's key takeaways about car insurance in Osage City

The auto insurance costs in Osage City fall around $449 for six months.
The cheapest auto insurance company in Osage City is USAA.
Teen drivers pay the highest rate in Osage City at $746 per month.

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Cheapest Minimum Liability Car Insurance in Osage 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 Osage City are given below.

USAA provides the cheapest minimum car insurance coverage in Osage City. Their Average 6 Month Premium is $155. Encompass is the most expensive at $231 for the same period.

Cheapest Liability Coverage in Osage City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$155	$26
Auto-Owners Insurance Co	$161	$27
Iowa Farm Bureau	$202	$34
Farmers Union Insurance	$213	$36
Travelers	$219	$37
Auto-Owners	$231	$39
Electric	$231	$39
Kansas Farm Bureau	$242	$41
Progressive	$247	$42
American Family	$253	$43
State Farm	$253	$43
Farm Bureau	$259	$44
Shelter	$294	$49
Farmers	$421	$71
Allstate	$559	$94
Encompass	$231	$39

Cheapest Full Coverage Car Insurance in Osage 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 Osage City is AutoOwners Insurance Co at $75 per month and $449 for six months.

Cheapest Full Coverage Car Insurance Quotes in Osage City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$449	$75
Travelers	$663	$112
American Family	$703	$118
USAA	$703	$118
Nationwide	$766	$129
Shelter	$829	$140
Auto-Owners	$951	$158
State Farm	$962	$162
Progressive	$1054	$178
Farmers	$1083	$182
Encompass	$1221	$204
Farm Bureau	$1285	$218
Allstate	$1492	$251

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Average Car Insurance in Osage 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 Osage City, KS increasing?

Despite maintaining a clean driving record, your car insurance rates in Osage 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, Osage 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 Osage 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	$741
30s	Nationwide	$637
40s	Nationwide	$516
50s	Nationwide	$472
60s	Nationwide	$450
70s	Nationwide	$489

Cheapest Car Insurance Rates for Teen Drivers in Osage 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 Osage City at $36 per month. At $4431 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	$213	$36
Iowa Farm Bureau	$237	$40
Farmers Union Insurance	$247	$42
Kansas Farm Bureau	$317	$52
Travelers	$686	$115
American Family	$1210	$204
USAA	$1435	$242
State Farm	$2022	$340
Shelter	$2253	$379
Progressive	$2270	$382
Farmers	$2616	$440
Farm Bureau	$2893	$482
Allstate	$4431	$746

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 Osage City.

As young drivers face the highest rates in Osage City, Nationwide offers the cheapest auto insurance rates at $741 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 Osage City, Iowa Farm Bureau is the cheapest car insurance provider. At $386 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 Osage City is State Farm, offering rates of around $4068 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$386	$66
Farmers Union Insurance	$392	$65
Nationwide	$421	$72
Travelers	$737	$124
USAA	$939	$160
Progressive	$962	$162
Shelter	$1043	$176
American Family	$1066	$179
Farmers	$1383	$233
Farm Bureau	$2374	$396
Allstate	$2489	$423
State Farm	$4068	$678

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

Car Insurance Rates with An Accident in Osage 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 Osage City, KS, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Osage City include AutoOwners Insurance Co and Electric, offering $196 and $276, respectively. Encompass is an expensive provider with an average six-month premium of $317.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$196	$33
Electric	$276	$47
Iowa Farm Bureau	$311	$51
Farmers Union Insurance	$329	$56
Auto-Owners	$345	$57
Kansas Farm Bureau	$437	$75
Travelers	$496	$83
USAA	$570	$96
State Farm	$633	$107
American Family	$674	$113
Shelter	$888	$149
Progressive	$1117	$188
Farmers	$1942	$327
Farm Bureau	$1948	$331
Allstate	$2155	$363
Encompass	$317	$54

Osage City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Osage City KS. For example, the car insurance in Osage City after a DUI increases to $986 for a six month policy. While the rate increases by $219 for a six-month policy in the case of a speeding ticket.

Osage City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1129	$188
One Med/PIP claim	$1129	$192
Not-at-fault accident	$1158	$193
Two Med/PIP claims	$1210	$206
One comp claim	$1215	$203
Failure to show documents	$1250	$212
Two comp claims	$1262	$210
Failure to wear a seat belt	$1274	$216
Child safety restraint	$1308	$218
Driving with expired registration	$1308	$222
Driving without lights	$1308	$218
Speeding 6 - 10 MPH over limit	$1348	$229
Cell phone violation	$1366	$228
Driving too slowly	$1366	$232
Texting while driving	$1366	$228
Failure to yield	$1377	$234
Following too closely	$1377	$230
Illegal turn	$1377	$234
Wrong way/wrong lane	$1377	$230
In 65 MPH zone	$1383	$235
Speeding 11 - 15 MPH over limit	$1383	$231
Failure to stop at a red light	$1389	$236
Improper passing	$1389	$232
Speeding in school zone	$1389	$236
Speeding 16 - 20 MPH over limit	$1394	$233
Open container	$1406	$239
Operating a vehicle without permission	$1417	$237
Passing school bus	$1429	$243
Speeding 21 - 25 MPH over limit	$1429	$239
At-fault accident - less than $1000	$1446	$246
At-fault accident - $1000-$2000	$1596	$266
At-fault accident - greater than $2000	$1596	$272
Racing	$1763	$294
Reckless driving	$1913	$325
Driving with a suspended license	$2074	$345
Refusal to submit to a chemical test	$2097	$357
DUI	$2115	$352
Leaving scene of an accident/hit and run	$2201	$374

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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 Osage 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 Osage City.

The cheapest car insurance premiums in Osage City are offered by Farmers Union Insurance at $380 for a six-month policy. However, it can be as expensive as $3054 with companies like Farm Bureau.

Osage City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$380	$65
Travelers	$525	$88
American Family	$623	$105
Progressive	$703	$118
State Farm	$858	$145
USAA	$1106	$186
Shelter	$1268	$213
Farmers	$1291	$217
Allstate	$1856	$312
Farm Bureau	$3054	$509

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 Osage City are offered by Iowa Farm Bureau at $253. However, it can be as expensive as $3296 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Osage City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$253	$43
Auto-Owners Insurance Co	$265	$45
Farmers Union Insurance	$282	$48
Travelers	$559	$94
American Family	$605	$102
USAA	$611	$102
State Farm	$623	$105
Progressive	$835	$141
Farm Bureau	$1101	$187
Shelter	$1227	$205
Farmers	$1319	$222
Allstate	$3296	$549

Car Insurance Price Trends in Osage City, Kansas

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

The average cost of full coverage in the Osage City rose by $179 in December compared to $178 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 Osage City rose to $45 in December, compared to $44 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 Osage City?

The car insurance in Osage City is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Osage City?

The cheapest car insurance in Osage City is $75 per month for full coverage.

How much is car insurance in Osage City for teenagers?

Car insurance for teenagers costs $213 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 Osage City?

The average cost of car insurance is $964 for a six-month policy. It will cost around $157 per month to insure your car in Osage City.

Is car insurance expensive in Osage City?

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

Cheapest Car Insurance Quotes in Osage City

Why you can trust Way?

How Much Is Car Insurance in Osage City

Avg. Car Insurance in Osage City

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Osage City

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Osage City Car Insurance Rates by Company

Cheap Car Insurance Companies in Osage City, KS

Way's key takeaways about car insurance in Osage City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Osage City

Cheapest Liability Coverage in Osage City, KS

Cheapest Full Coverage Car Insurance in Osage City

Cheapest Full Coverage Car Insurance Quotes in Osage City, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Osage City by Rating Factor

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

Car Insurance Premiums by Age in Osage City

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Osage City Car Insurance Rates by Violation

Osage City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Osage City after a DUI

Osage City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Osage City after Speeding ticket

Car Insurance Price Trends in Osage City, Kansas

Average Car Insurance Cost in Osage City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Osage City, KS

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

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