Cheapest Car Insurance Quotes in Salina

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Salina Car Insurance

^$ 24

/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 Salina

The car insurance rate in Salina is $848 for a six-month policy, which is $116 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $407, making it a popular choice for budget-conscious drivers. Rates in Salina 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 Salina

$848

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Salina

1st place: AutoOwners Insurance Co

At $407 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 $601 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 $638 for six months, making it the third cheapest auto insurance company in Salina.

Salina Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Salina, KS is AutoOwners Insurance Co, offering policies at just $407 for a six-month term. This is followed by Travelers, which has an average six-month premium of $601.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1353 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Salina drivers find the best deals.

Cheap Car Insurance Companies in Salina, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$407	$68
Travelers	$601	$101
American Family	$638	$107
USAA	$638	$107
Nationwide	$695	$117
Shelter	$752	$127
Auto-Owners	$862	$143
State Farm	$873	$147
Progressive	$957	$161
Farmers	$983	$165
Encompass	$1108	$185
Farm Bureau	$1166	$198
Allstate	$1353	$228

Key Takeaways

Way's key takeaways about car insurance in Salina

The auto insurance costs in Salina fall around $407 for six months.
The cheapest auto insurance company in Salina is USAA.
Teen drivers pay the highest rate in Salina at $677 per month.

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Cheapest Minimum Liability Car Insurance in Salina

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 Salina are given below.

USAA provides the cheapest minimum car insurance coverage in Salina. Their Average 6 Month Premium is $141. Encompass is the most expensive at $209 for the same period.

Cheapest Liability Coverage in Salina, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$141	$24
Auto-Owners Insurance Co	$146	$25
Iowa Farm Bureau	$183	$31
Farmers Union Insurance	$194	$33
Travelers	$199	$33
Auto-Owners	$209	$35
Electric	$209	$35
Kansas Farm Bureau	$219	$37
Progressive	$224	$38
American Family	$230	$39
State Farm	$230	$39
Farm Bureau	$235	$40
Shelter	$267	$45
Farmers	$382	$64
Allstate	$507	$85
Encompass	$209	$35

Cheapest Full Coverage Car Insurance in Salina

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 Salina is AutoOwners Insurance Co at $68 per month and $407 for six months.

Cheapest Full Coverage Car Insurance Quotes in Salina, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$407	$68
Travelers	$601	$101
American Family	$638	$107
USAA	$638	$107
Nationwide	$695	$117
Shelter	$752	$127
Auto-Owners	$862	$143
State Farm	$873	$147
Progressive	$957	$161
Farmers	$983	$165
Encompass	$1108	$185
Farm Bureau	$1166	$198
Allstate	$1353	$228

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Average Car Insurance in Salina 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 Salina, KS increasing?

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

Car Insurance Premiums by Age in Salina

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	$672
30s	Nationwide	$578
40s	Nationwide	$468
50s	Nationwide	$429
60s	Nationwide	$408
70s	Nationwide	$444

Cheapest Car Insurance Rates for Teen Drivers in Salina,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 Salina at $33 per month. At $4020 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	$194	$33
Iowa Farm Bureau	$215	$36
Farmers Union Insurance	$224	$38
Kansas Farm Bureau	$288	$48
Travelers	$622	$105
American Family	$1097	$185
USAA	$1302	$219
State Farm	$1835	$309
Shelter	$2044	$344
Progressive	$2059	$347
Farmers	$2373	$400
Farm Bureau	$2624	$437
Allstate	$4020	$677

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 Salina.

As young drivers face the highest rates in Salina, Nationwide offers the cheapest auto insurance rates at $672 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 Salina, Iowa Farm Bureau is the cheapest car insurance provider. At $350 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 Salina is State Farm, offering rates of around $3691 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$350	$60
Farmers Union Insurance	$356	$59
Nationwide	$382	$65
Travelers	$669	$113
USAA	$852	$145
Progressive	$873	$147
Shelter	$946	$159
American Family	$967	$163
Farmers	$1255	$211
Farm Bureau	$2153	$359
Allstate	$2258	$384
State Farm	$3691	$615

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Car Insurance Rates with An Accident in Salina

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

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

The cheapest car insurance companies after an at-fault accident in Salina include AutoOwners Insurance Co and Electric, offering $178 and $251, respectively. Encompass is an expensive provider with an average six-month premium of $288.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$178	$30
Electric	$251	$42
Iowa Farm Bureau	$282	$47
Farmers Union Insurance	$298	$51
Auto-Owners	$313	$52
Kansas Farm Bureau	$397	$68
Travelers	$450	$76
USAA	$517	$87
State Farm	$575	$97
American Family	$612	$103
Shelter	$805	$136
Progressive	$1014	$171
Farmers	$1762	$297
Farm Bureau	$1767	$300
Allstate	$1955	$329
Encompass	$288	$49

Salina Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Salina KS. For example, the car insurance in Salina after a DUI increases to $894 for a six month policy. While the rate increases by $199 for a six-month policy in the case of a speeding ticket.

Salina auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1024	$171
One Med/PIP claim	$1024	$174
Not-at-fault accident	$1051	$175
Two Med/PIP claims	$1097	$187
One comp claim	$1103	$184
Failure to show documents	$1134	$193
Two comp claims	$1145	$191
Failure to wear a seat belt	$1155	$196
Child safety restraint	$1186	$198
Driving with expired registration	$1186	$202
Driving without lights	$1186	$198
Speeding 6 - 10 MPH over limit	$1223	$208
Cell phone violation	$1239	$207
Driving too slowly	$1239	$210
Texting while driving	$1239	$207
Failure to yield	$1250	$212
Following too closely	$1250	$209
Illegal turn	$1250	$212
Wrong way/wrong lane	$1250	$209
In 65 MPH zone	$1255	$213
Speeding 11 - 15 MPH over limit	$1255	$209
Failure to stop at a red light	$1260	$214
Improper passing	$1260	$210
Speeding in school zone	$1260	$214
Speeding 16 - 20 MPH over limit	$1265	$211
Open container	$1275	$216
Operating a vehicle without permission	$1286	$215
Passing school bus	$1296	$220
Speeding 21 - 25 MPH over limit	$1296	$216
At-fault accident - less than $1000	$1312	$224
At-fault accident - $1000-$2000	$1448	$241
At-fault accident - greater than $2000	$1448	$246
Racing	$1600	$267
Reckless driving	$1735	$295
Driving with a suspended license	$1881	$313
Refusal to submit to a chemical test	$1903	$324
DUI	$1918	$319
Leaving scene of an accident/hit and run	$1997	$340

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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 Salina 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 Salina.

The cheapest car insurance premiums in Salina are offered by Farmers Union Insurance at $345 for a six-month policy. However, it can be as expensive as $2770 with companies like Farm Bureau.

Salina car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$345	$59
Travelers	$476	$80
American Family	$565	$95
Progressive	$638	$107
State Farm	$779	$131
USAA	$1003	$169
Shelter	$1150	$194
Farmers	$1171	$197
Allstate	$1683	$283
Farm Bureau	$2770	$462

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 Salina are offered by Iowa Farm Bureau at $230. However, it can be as expensive as $2990 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Salina after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$230	$39
Auto-Owners Insurance Co	$240	$40
Farmers Union Insurance	$256	$43
Travelers	$507	$85
American Family	$549	$92
USAA	$554	$92
State Farm	$565	$95
Progressive	$758	$128
Farm Bureau	$999	$170
Shelter	$1113	$186
Farmers	$1197	$202
Allstate	$2990	$498

Car Insurance Price Trends in Salina, Kansas

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

The average cost of full coverage in the Salina rose by $163 in December compared to $162 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 Salina remained steady at $40 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Salina?

The car insurance in Salina is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Salina?

The cheapest car insurance in Salina is $68 per month for full coverage.

How much is car insurance in Salina for teenagers?

Car insurance for teenagers costs $194 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 Salina?

The average cost of car insurance is $964 for a six-month policy. It will cost around $143 per month to insure your car in Salina.

Is car insurance expensive in Salina?

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

Cheapest Car Insurance Quotes in Salina

Why you can trust Way?

How Much Is Car Insurance in Salina

Avg. Car Insurance in Salina

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Salina

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Salina Car Insurance Rates by Company

Cheap Car Insurance Companies in Salina, KS

Way's key takeaways about car insurance in Salina

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Salina

Cheapest Liability Coverage in Salina, KS

Cheapest Full Coverage Car Insurance in Salina

Cheapest Full Coverage Car Insurance Quotes in Salina, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Salina by Rating Factor

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

Car Insurance Premiums by Age in Salina

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Salina,KS

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

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 Salina

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

Salina Car Insurance Rates by Violation

Salina auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Salina after a DUI

Salina car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Salina after Speeding ticket

Car Insurance Price Trends in Salina, Kansas

Average Car Insurance Cost in Salina by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Salina, KS

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

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