Cheapest Car Insurance Quotes in Valley Falls

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Valley Falls Car Insurance

^$ 27

/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 Valley Falls

The car insurance rate in Valley Falls is $1011 for a six-month policy, which is $42 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $422, making it a popular choice for budget-conscious drivers. Rates in Valley Falls 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 Valley Falls

$1011

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Valley Falls

1st place: American Family

At $422 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $444 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $708 for six months, making it the third cheapest auto insurance company in Valley Falls.

Valley Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Valley Falls, KS is American Family, offering policies at just $422 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $444.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1842 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Valley Falls drivers find the best deals.

Cheap Car Insurance Companies in Valley Falls, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$422	$70
Auto-Owners Insurance Co	$444	$76
USAA	$708	$119
Travelers	$724	$122
Shelter	$884	$149
Auto-Owners	$941	$160
State Farm	$1044	$176
Nationwide	$1090	$183
Farmers	$1140	$192
Progressive	$1164	$196
Encompass	$1209	$202
Allstate	$1534	$258
Farm Bureau	$1842	$307

Key Takeaways

Way's key takeaways about car insurance in Valley Falls

The auto insurance costs in Valley Falls fall around $422 for six months.
The cheapest auto insurance company in Valley Falls is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Valley Falls at $1078 per month.

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Cheapest Minimum Liability Car Insurance in Valley Falls

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 Valley Falls are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Valley Falls. Their Average 6 Month Premium is $159. Encompass is the most expensive at $228 for the same period.

Cheapest Liability Coverage in Valley Falls, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$159	$27
USAA	$159	$27
Iowa Farm Bureau	$200	$34
Farmers Union Insurance	$211	$36
American Family	$223	$37
Travelers	$223	$37
Auto-Owners	$228	$38
Electric	$228	$38
Kansas Farm Bureau	$239	$40
State Farm	$268	$45
Progressive	$302	$51
Shelter	$308	$52
Farm Bureau	$388	$66
Farmers	$428	$72
Allstate	$559	$94
Nationwide	$679	$113
Encompass	$228	$38

Cheapest Full Coverage Car Insurance in Valley Falls

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 Valley Falls is American Family at $70 per month and $422 for six months.

Cheapest Full Coverage Car Insurance Quotes in Valley Falls, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$422	$70
Auto-Owners Insurance Co	$444	$76
USAA	$708	$119
Travelers	$724	$122
Shelter	$884	$149
Auto-Owners	$941	$160
State Farm	$1044	$176
Nationwide	$1090	$183
Farmers	$1140	$192
Progressive	$1164	$196
Encompass	$1209	$202
Allstate	$1534	$258
Farm Bureau	$1842	$307

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Average Car Insurance in Valley Falls 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 Valley Falls, KS increasing?

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

Car Insurance Premiums by Age in Valley Falls

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	$720
30s	Nationwide	$618
40s	Nationwide	$501
50s	Nationwide	$459
60s	Nationwide	$438
70s	Nationwide	$474

Cheapest Car Insurance Rates for Teen Drivers in Valley Falls,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 Valley Falls at $36 per month. At $6467 for a six-month premium, Nationwide 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
American Family	$268	$45
Kansas Farm Bureau	$314	$54
Travelers	$815	$137
USAA	$1385	$233
State Farm	$2264	$381
Shelter	$2520	$424
Progressive	$2612	$440
Farmers	$2748	$463
Farm Bureau	$3912	$652
Allstate	$4573	$770
Nationwide	$6467	$1078

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 Valley Falls.

As young drivers face the highest rates in Valley Falls, Nationwide offers the cheapest auto insurance rates at $720 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 Valley Falls, American Family is the cheapest car insurance provider. At $376 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 Valley Falls is State Farm, offering rates of around $5850 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$376	$64
Iowa Farm Bureau	$382	$63
Farmers Union Insurance	$388	$66
Travelers	$901	$152
USAA	$1032	$176
Shelter	$1249	$210
Progressive	$1278	$215
Nationwide	$1431	$241
Farmers	$1523	$256
Allstate	$2657	$443
Farm Bureau	$3381	$575
State Farm	$5850	$975

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Car Insurance Rates with An Accident in Valley Falls

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

Cheapest Car Insurance Companies after an At-Fault Accident in Valley Falls

The cheapest car insurance companies after an at-fault accident in Valley Falls include AutoOwners Insurance Co and American Family, offering $194 and $223, 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
American Family	$223	$37
Electric	$274	$46
Iowa Farm Bureau	$308	$53
Farmers Union Insurance	$325	$54
Auto-Owners	$342	$59
Kansas Farm Bureau	$433	$72
USAA	$588	$99
Travelers	$593	$100
State Farm	$690	$116
Shelter	$975	$164
Progressive	$1249	$210
Farmers	$2076	$349
Allstate	$2310	$389
Farm Bureau	$2481	$414
Nationwide	$3171	$540
Encompass	$314	$54

Valley Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Valley Falls KS. For example, the car insurance in Valley Falls 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.

Valley Falls 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 Valley Falls 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 Valley Falls.

The cheapest car insurance premiums in Valley Falls are offered by American Family at $256 for a six-month policy. However, it can be as expensive as $4356 with companies like Farm Bureau.

Valley Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$256	$43
Farmers Union Insurance	$376	$64
Travelers	$621	$105
Progressive	$799	$134
State Farm	$1015	$171
USAA	$1067	$180
Farmers	$1369	$230
Shelter	$1420	$239
Allstate	$1916	$323
Nationwide	$4328	$736
Farm Bureau	$4356	$726

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 Valley Falls are offered by Iowa Farm Bureau at $251. However, it can be as expensive as $2601 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Valley Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$251	$42
American Family	$256	$43
Auto-Owners Insurance Co	$262	$44
Farmers Union Insurance	$279	$47
State Farm	$679	$114
Travelers	$690	$116
USAA	$702	$117
Progressive	$952	$160
Farmers	$1284	$216
Shelter	$1317	$224
Allstate	$1922	$321
Farm Bureau	$2310	$393
Nationwide	$2601	$433

Car Insurance Price Trends in Valley Falls, Kansas

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

The average cost of full coverage in the Valley Falls rose by $209 in January compared to $178 of December. In other words, there has been an increase by $31 when you compare January and December.

The average cost of liability insurance in the Valley Falls rose to $48 in January, compared to $44 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Valley Falls?

The car insurance in Valley Falls is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Valley Falls?

The cheapest car insurance in Valley Falls is $70 per month for full coverage.

How much is car insurance in Valley Falls 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 Valley Falls?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $170 per month to insure your car in Valley Falls.

Is car insurance expensive in Valley Falls?

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

Cheapest Car Insurance Quotes in Valley Falls

Why you can trust Way?

How Much Is Car Insurance in Valley Falls

Avg. Car Insurance in Valley Falls

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Valley Falls

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Valley Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Valley Falls, KS

Way's key takeaways about car insurance in Valley Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Valley Falls

Cheapest Liability Coverage in Valley Falls, KS

Cheapest Full Coverage Car Insurance in Valley Falls

Cheapest Full Coverage Car Insurance Quotes in Valley Falls, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Valley Falls by Rating Factor

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

Car Insurance Premiums by Age in Valley Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Valley Falls,KS

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

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 Valley Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Valley Falls

Valley Falls Car Insurance Rates by Violation

Valley Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Valley Falls after a DUI

Valley Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Valley Falls after Speeding ticket

Car Insurance Price Trends in Valley Falls, Kansas

Average Car Insurance Cost in Valley Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Valley Falls, KS

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

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