Cheapest Car Insurance Quotes in Talmage

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Talmage 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 Talmage

The car insurance rate in Talmage is $925 for a six-month policy, which is $39 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $444, making it a popular choice for budget-conscious drivers. Rates in Talmage 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 Talmage

$925

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Talmage

1st place: AutoOwners Insurance Co

At $444 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 $656 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 $696 for six months, making it the third cheapest auto insurance company in Talmage.

Talmage Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Talmage, KS is AutoOwners Insurance Co, offering policies at just $444 for a six-month term. This is followed by Travelers, which has an average six-month premium of $656.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1476 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Talmage drivers find the best deals.

Cheap Car Insurance Companies in Talmage, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$444	$74
Travelers	$656	$110
American Family	$696	$117
USAA	$696	$117
Nationwide	$758	$128
Shelter	$821	$138
Auto-Owners	$941	$156
State Farm	$952	$160
Progressive	$1044	$176
Farmers	$1072	$180
Encompass	$1209	$202
Farm Bureau	$1272	$216
Allstate	$1476	$249

Key Takeaways

Way's key takeaways about car insurance in Talmage

The auto insurance costs in Talmage fall around $444 for six months.
The cheapest auto insurance company in Talmage is USAA.
Teen drivers pay the highest rate in Talmage at $738 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Talmage

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 Talmage are given below.

USAA provides the cheapest minimum car insurance coverage in Talmage. Their Average 6 Month Premium is $154. Encompass is the most expensive at $228 for the same period.

Cheapest Liability Coverage in Talmage, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$154	$26
Auto-Owners Insurance Co	$159	$27
Iowa Farm Bureau	$200	$34
Farmers Union Insurance	$211	$36
Travelers	$217	$36
Auto-Owners	$228	$38
Electric	$228	$38
Kansas Farm Bureau	$239	$40
Progressive	$245	$41
American Family	$251	$42
State Farm	$251	$42
Farm Bureau	$256	$43
Shelter	$291	$49
Farmers	$417	$70
Allstate	$553	$93
Encompass	$228	$38

Cheapest Full Coverage Car Insurance in Talmage

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 Talmage is AutoOwners Insurance Co at $74 per month and $444 for six months.

Cheapest Full Coverage Car Insurance Quotes in Talmage, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$444	$74
Travelers	$656	$110
American Family	$696	$117
USAA	$696	$117
Nationwide	$758	$128
Shelter	$821	$138
Auto-Owners	$941	$156
State Farm	$952	$160
Progressive	$1044	$176
Farmers	$1072	$180
Encompass	$1209	$202
Farm Bureau	$1272	$216
Allstate	$1476	$249

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Average Car Insurance in Talmage 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 Talmage, KS increasing?

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

Car Insurance Premiums by Age in Talmage

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	$733
30s	Nationwide	$631
40s	Nationwide	$511
50s	Nationwide	$468
60s	Nationwide	$445
70s	Nationwide	$484

Cheapest Car Insurance Rates for Teen Drivers in Talmage,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 Talmage at $36 per month. At $4385 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	$211	$36
Iowa Farm Bureau	$234	$39
Farmers Union Insurance	$245	$41
Kansas Farm Bureau	$314	$52
Travelers	$679	$114
American Family	$1197	$202
USAA	$1420	$239
State Farm	$2002	$337
Shelter	$2230	$375
Progressive	$2246	$378
Farmers	$2589	$436
Farm Bureau	$2863	$477
Allstate	$4385	$738

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 Talmage.

As young drivers face the highest rates in Talmage, Nationwide offers the cheapest auto insurance rates at $733 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 Talmage, Iowa Farm Bureau is the cheapest car insurance provider. At $382 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 Talmage is State Farm, offering rates of around $4026 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$382	$65
Farmers Union Insurance	$388	$64
Nationwide	$417	$71
Travelers	$730	$123
USAA	$929	$158
Progressive	$952	$160
Shelter	$1032	$174
American Family	$1055	$178
Farmers	$1369	$230
Farm Bureau	$2349	$392
Allstate	$2463	$419
State Farm	$4026	$671

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Car Insurance Rates with An Accident in Talmage

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

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

The cheapest car insurance companies after an at-fault accident in Talmage include AutoOwners Insurance Co and Electric, offering $194 and $274, respectively. Encompass is an expensive provider with an average six-month premium of $314.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$194	$33
Electric	$274	$46
Iowa Farm Bureau	$308	$51
Farmers Union Insurance	$325	$56
Auto-Owners	$342	$57
Kansas Farm Bureau	$433	$74
Travelers	$491	$83
USAA	$564	$95
State Farm	$627	$106
American Family	$667	$112
Shelter	$878	$148
Progressive	$1106	$186
Farmers	$1922	$324
Farm Bureau	$1928	$327
Allstate	$2133	$359
Encompass	$314	$54

Talmage Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Talmage KS. For example, the car insurance in Talmage after a DUI increases to $976 for a six month policy. While the rate increases by $217 for a six-month policy in the case of a speeding ticket.

Talmage auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1117	$186
One Med/PIP claim	$1117	$190
Not-at-fault accident	$1146	$191
Two Med/PIP claims	$1197	$204
One comp claim	$1203	$201
Failure to show documents	$1237	$210
Two comp claims	$1249	$208
Failure to wear a seat belt	$1260	$214
Child safety restraint	$1294	$216
Driving with expired registration	$1294	$220
Driving without lights	$1294	$216
Speeding 6 - 10 MPH over limit	$1334	$227
Cell phone violation	$1352	$226
Driving too slowly	$1352	$229
Texting while driving	$1352	$226
Failure to yield	$1363	$231
Following too closely	$1363	$228
Illegal turn	$1363	$231
Wrong way/wrong lane	$1363	$228
In 65 MPH zone	$1369	$232
Speeding 11 - 15 MPH over limit	$1369	$228
Failure to stop at a red light	$1375	$233
Improper passing	$1375	$229
Speeding in school zone	$1375	$233
Speeding 16 - 20 MPH over limit	$1380	$230
Open container	$1391	$236
Operating a vehicle without permission	$1403	$234
Passing school bus	$1414	$240
Speeding 21 - 25 MPH over limit	$1414	$236
At-fault accident - less than $1000	$1431	$244
At-fault accident - $1000-$2000	$1579	$263
At-fault accident - greater than $2000	$1579	$269
Racing	$1745	$291
Reckless driving	$1893	$322
Driving with a suspended license	$2052	$342
Refusal to submit to a chemical test	$2076	$353
DUI	$2093	$348
Leaving scene of an accident/hit and run	$2178	$371

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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 Talmage 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 Talmage.

The cheapest car insurance premiums in Talmage are offered by Farmers Union Insurance at $376 for a six-month policy. However, it can be as expensive as $3022 with companies like Farm Bureau.

Talmage car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$376	$64
Travelers	$519	$87
American Family	$616	$104
Progressive	$696	$117
State Farm	$850	$143
USAA	$1094	$184
Shelter	$1255	$211
Farmers	$1278	$215
Allstate	$1836	$309
Farm Bureau	$3022	$504

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 Talmage are offered by Iowa Farm Bureau at $251. However, it can be as expensive as $3262 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Talmage after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$251	$42
Auto-Owners Insurance Co	$262	$44
Farmers Union Insurance	$279	$47
Travelers	$553	$93
American Family	$599	$101
USAA	$605	$101
State Farm	$616	$104
Progressive	$827	$139
Farm Bureau	$1090	$185
Shelter	$1214	$203
Farmers	$1306	$220
Allstate	$3262	$543

Car Insurance Price Trends in Talmage, Kansas

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

The average cost of full coverage in the Talmage rose by $178 in December compared to $177 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 Talmage rose to $44 in December, compared to $43 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 Talmage?

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

What is the cheapest car insurance in Talmage?

The cheapest car insurance in Talmage is $74 per month for full coverage.

How much is car insurance in Talmage for teenagers?

Car insurance for teenagers costs $211 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 Talmage?

The average cost of car insurance is $964 for a six-month policy. It will cost around $156 per month to insure your car in Talmage.

Is car insurance expensive in Talmage?

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

Cheapest Car Insurance Quotes in Talmage

Why you can trust Way?

How Much Is Car Insurance in Talmage

Avg. Car Insurance in Talmage

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Talmage

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Talmage Car Insurance Rates by Company

Cheap Car Insurance Companies in Talmage, KS

Way's key takeaways about car insurance in Talmage

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Talmage

Cheapest Liability Coverage in Talmage, KS

Cheapest Full Coverage Car Insurance in Talmage

Cheapest Full Coverage Car Insurance Quotes in Talmage, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Talmage by Rating Factor

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

Car Insurance Premiums by Age in Talmage

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Talmage,KS

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

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 Talmage

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

Talmage Car Insurance Rates by Violation

Talmage auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Talmage after a DUI

Talmage car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Talmage after Speeding ticket

Car Insurance Price Trends in Talmage, Kansas

Average Car Insurance Cost in Talmage by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Talmage, KS

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

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