Cheapest Car Insurance Quotes in Raymond

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Raymond Car Insurance

^$ 28

/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 Raymond

The car insurance rate in Raymond is $983 for a six-month policy, which is $19 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $472, making it a popular choice for budget-conscious drivers. Rates in Raymond 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 Raymond

$983

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Raymond

1st place: AutoOwners Insurance Co

At $472 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 $697 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 $740 for six months, making it the third cheapest auto insurance company in Raymond.

Raymond Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Raymond, KS is AutoOwners Insurance Co, offering policies at just $472 for a six-month term. This is followed by Travelers, which has an average six-month premium of $697.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1569 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Raymond drivers find the best deals.

Cheap Car Insurance Companies in Raymond, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$472	$79
Travelers	$697	$117
American Family	$740	$124
USAA	$740	$124
Nationwide	$806	$136
Shelter	$872	$147
Auto-Owners	$1000	$166
State Farm	$1012	$170
Progressive	$1109	$187
Farmers	$1139	$192
Encompass	$1284	$214
Farm Bureau	$1352	$230
Allstate	$1569	$264

Key Takeaways

Way's key takeaways about car insurance in Raymond

The auto insurance costs in Raymond fall around $472 for six months.
The cheapest auto insurance company in Raymond is USAA.
Teen drivers pay the highest rate in Raymond at $784 per month.

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Cheapest Minimum Liability Car Insurance in Raymond

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 Raymond are given below.

USAA provides the cheapest minimum car insurance coverage in Raymond. Their Average 6 Month Premium is $163. Encompass is the most expensive at $243 for the same period.

Cheapest Liability Coverage in Raymond, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$163	$28
Auto-Owners Insurance Co	$169	$29
Iowa Farm Bureau	$212	$36
Farmers Union Insurance	$224	$38
Travelers	$231	$39
Auto-Owners	$243	$41
Electric	$243	$41
Kansas Farm Bureau	$254	$43
Progressive	$260	$44
American Family	$266	$45
State Farm	$266	$45
Farm Bureau	$272	$46
Shelter	$309	$52
Farmers	$443	$74
Allstate	$588	$99
Encompass	$243	$41

Cheapest Full Coverage Car Insurance in Raymond

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 Raymond is AutoOwners Insurance Co at $79 per month and $472 for six months.

Cheapest Full Coverage Car Insurance Quotes in Raymond, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$472	$79
Travelers	$697	$117
American Family	$740	$124
USAA	$740	$124
Nationwide	$806	$136
Shelter	$872	$147
Auto-Owners	$1000	$166
State Farm	$1012	$170
Progressive	$1109	$187
Farmers	$1139	$192
Encompass	$1284	$214
Farm Bureau	$1352	$230
Allstate	$1569	$264

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Average Car Insurance in Raymond 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 Raymond, KS increasing?

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

Car Insurance Premiums by Age in Raymond

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	$779
30s	Nationwide	$670
40s	Nationwide	$543
50s	Nationwide	$497
60s	Nationwide	$473
70s	Nationwide	$514

Cheapest Car Insurance Rates for Teen Drivers in Raymond,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 Raymond at $38 per month. At $4659 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	$224	$38
Iowa Farm Bureau	$249	$42
Farmers Union Insurance	$260	$44
Kansas Farm Bureau	$334	$55
Travelers	$721	$121
American Family	$1272	$214
USAA	$1509	$254
State Farm	$2127	$358
Shelter	$2369	$399
Progressive	$2387	$402
Farmers	$2751	$463
Farm Bureau	$3042	$507
Allstate	$4659	$784

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 Raymond.

As young drivers face the highest rates in Raymond, Nationwide offers the cheapest auto insurance rates at $779 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 Raymond, Iowa Farm Bureau is the cheapest car insurance provider. At $406 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 Raymond is State Farm, offering rates of around $4278 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$406	$69
Farmers Union Insurance	$412	$68
Nationwide	$443	$75
Travelers	$775	$131
USAA	$987	$168
Progressive	$1012	$170
Shelter	$1097	$185
American Family	$1121	$189
Farmers	$1455	$245
Farm Bureau	$2496	$416
Allstate	$2617	$445
State Farm	$4278	$713

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Car Insurance Rates with An Accident in Raymond

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

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

The cheapest car insurance companies after an at-fault accident in Raymond include AutoOwners Insurance Co and Electric, offering $206 and $291, respectively. Encompass is an expensive provider with an average six-month premium of $334.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$206	$35
Electric	$291	$49
Iowa Farm Bureau	$327	$54
Farmers Union Insurance	$346	$59
Auto-Owners	$363	$60
Kansas Farm Bureau	$460	$79
Travelers	$521	$88
USAA	$600	$101
State Farm	$666	$112
American Family	$709	$119
Shelter	$933	$157
Progressive	$1175	$198
Farmers	$2042	$344
Farm Bureau	$2048	$348
Allstate	$2266	$381
Encompass	$334	$57

Raymond Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Raymond KS. For example, the car insurance in Raymond after a DUI increases to $1037 for a six month policy. While the rate increases by $231 for a six-month policy in the case of a speeding ticket.

Raymond auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1187	$198
One Med/PIP claim	$1187	$202
Not-at-fault accident	$1218	$203
Two Med/PIP claims	$1272	$216
One comp claim	$1278	$213
Failure to show documents	$1315	$223
Two comp claims	$1327	$221
Failure to wear a seat belt	$1339	$227
Child safety restraint	$1375	$230
Driving with expired registration	$1375	$234
Driving without lights	$1375	$230
Speeding 6 - 10 MPH over limit	$1418	$241
Cell phone violation	$1436	$240
Driving too slowly	$1436	$244
Texting while driving	$1436	$240
Failure to yield	$1448	$246
Following too closely	$1448	$242
Illegal turn	$1448	$246
Wrong way/wrong lane	$1448	$242
In 65 MPH zone	$1455	$247
Speeding 11 - 15 MPH over limit	$1455	$243
Failure to stop at a red light	$1461	$248
Improper passing	$1461	$244
Speeding in school zone	$1461	$248
Speeding 16 - 20 MPH over limit	$1466	$245
Open container	$1478	$251
Operating a vehicle without permission	$1490	$249
Passing school bus	$1502	$255
Speeding 21 - 25 MPH over limit	$1502	$251
At-fault accident - less than $1000	$1521	$259
At-fault accident - $1000-$2000	$1678	$279
At-fault accident - greater than $2000	$1678	$286
Racing	$1854	$309
Reckless driving	$2011	$342
Driving with a suspended license	$2181	$363
Refusal to submit to a chemical test	$2205	$375
DUI	$2224	$370
Leaving scene of an accident/hit and run	$2314	$394

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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 Raymond 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 Raymond.

The cheapest car insurance premiums in Raymond are offered by Farmers Union Insurance at $400 for a six-month policy. However, it can be as expensive as $3211 with companies like Farm Bureau.

Raymond car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$400	$68
Travelers	$552	$93
American Family	$655	$110
Progressive	$740	$124
State Farm	$903	$152
USAA	$1163	$196
Shelter	$1333	$224
Farmers	$1358	$228
Allstate	$1951	$328
Farm Bureau	$3211	$536

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 Raymond are offered by Iowa Farm Bureau at $266. However, it can be as expensive as $3466 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Raymond after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$266	$45
Auto-Owners Insurance Co	$278	$47
Farmers Union Insurance	$297	$50
Travelers	$588	$99
American Family	$636	$107
USAA	$643	$107
State Farm	$655	$110
Progressive	$878	$148
Farm Bureau	$1158	$197
Shelter	$1290	$215
Farmers	$1387	$234
Allstate	$3466	$577

Car Insurance Price Trends in Raymond, Kansas

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

The average cost of full coverage in the Raymond rose by $189 in December compared to $188 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 Raymond rose to $47 in December, compared to $46 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 Raymond?

The car insurance in Raymond is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Raymond?

The cheapest car insurance in Raymond is $79 per month for full coverage.

How much is car insurance in Raymond for teenagers?

Car insurance for teenagers costs $224 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 Raymond?

The average cost of car insurance is $964 for a six-month policy. It will cost around $165 per month to insure your car in Raymond.

Is car insurance expensive in Raymond?

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

Cheapest Car Insurance Quotes in Raymond

Why you can trust Way?

How Much Is Car Insurance in Raymond

Avg. Car Insurance in Raymond

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Raymond

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Raymond Car Insurance Rates by Company

Cheap Car Insurance Companies in Raymond, KS

Way's key takeaways about car insurance in Raymond

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Raymond

Cheapest Liability Coverage in Raymond, KS

Cheapest Full Coverage Car Insurance in Raymond

Cheapest Full Coverage Car Insurance Quotes in Raymond, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Raymond by Rating Factor

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

Car Insurance Premiums by Age in Raymond

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Raymond,KS

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

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 Raymond

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

Raymond Car Insurance Rates by Violation

Raymond auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Raymond after a DUI

Raymond car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Raymond after Speeding ticket

Car Insurance Price Trends in Raymond, Kansas

Average Car Insurance Cost in Raymond by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Raymond, KS

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

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