Cheapest Car Insurance Quotes in White Cloud

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White Cloud 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 White Cloud

The car insurance rate in White Cloud is $990 for a six-month policy, which is $63 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $414, making it a popular choice for budget-conscious drivers. Rates in White Cloud 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 White Cloud

$990

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in White Cloud

1st place: American Family

At $414 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 $435 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $693 for six months, making it the third cheapest auto insurance company in White Cloud.

White Cloud Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in White Cloud, KS is American Family, offering policies at just $414 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $435.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1804 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help White Cloud drivers find the best deals.

Cheap Car Insurance Companies in White Cloud, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$414	$69
Auto-Owners Insurance Co	$435	$74
USAA	$693	$117
Travelers	$709	$119
Shelter	$866	$146
Auto-Owners	$921	$157
State Farm	$1022	$172
Nationwide	$1067	$180
Farmers	$1117	$188
Progressive	$1139	$192
Encompass	$1183	$197
Allstate	$1502	$253
Farm Bureau	$1804	$301

Key Takeaways

Way's key takeaways about car insurance in White Cloud

The auto insurance costs in White Cloud fall around $414 for six months.
The cheapest auto insurance company in White Cloud is AutoOwners Insurance Co.
Teen drivers pay the highest rate in White Cloud at $1056 per month.

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Cheapest Minimum Liability Car Insurance in White Cloud

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 White Cloud are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in White Cloud. Their Average 6 Month Premium is $156. Encompass is the most expensive at $224 for the same period.

Cheapest Liability Coverage in White Cloud, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$156	$26
USAA	$156	$26
Iowa Farm Bureau	$196	$33
Farmers Union Insurance	$207	$35
American Family	$218	$37
Travelers	$218	$37
Auto-Owners	$224	$38
Electric	$224	$38
Kansas Farm Bureau	$234	$39
State Farm	$262	$44
Progressive	$296	$50
Shelter	$302	$51
Farm Bureau	$380	$65
Farmers	$419	$71
Allstate	$547	$92
Nationwide	$665	$111
Encompass	$224	$38

Cheapest Full Coverage Car Insurance in White Cloud

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 White Cloud is American Family at $69 per month and $414 for six months.

Cheapest Full Coverage Car Insurance Quotes in White Cloud, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$414	$69
Auto-Owners Insurance Co	$435	$74
USAA	$693	$117
Travelers	$709	$119
Shelter	$866	$146
Auto-Owners	$921	$157
State Farm	$1022	$172
Nationwide	$1067	$180
Farmers	$1117	$188
Progressive	$1139	$192
Encompass	$1183	$197
Allstate	$1502	$253
Farm Bureau	$1804	$301

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Average Car Insurance in White Cloud 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 White Cloud, KS increasing?

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

Car Insurance Premiums by Age in White Cloud

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	$705
30s	Nationwide	$605
40s	Nationwide	$491
50s	Nationwide	$449
60s	Nationwide	$429
70s	Nationwide	$464

Cheapest Car Insurance Rates for Teen Drivers in White Cloud,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 White Cloud at $35 per month. At $6332 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	$207	$35
Iowa Farm Bureau	$229	$39
Farmers Union Insurance	$240	$40
American Family	$262	$44
Kansas Farm Bureau	$307	$53
Travelers	$798	$134
USAA	$1356	$228
State Farm	$2217	$373
Shelter	$2468	$415
Progressive	$2558	$431
Farmers	$2691	$453
Farm Bureau	$3831	$638
Allstate	$4478	$754
Nationwide	$6332	$1056

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 White Cloud.

As young drivers face the highest rates in White Cloud, Nationwide offers the cheapest auto insurance rates at $705 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 White Cloud, American Family is the cheapest car insurance provider. At $368 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 White Cloud is State Farm, offering rates of around $5728 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$368	$63
Iowa Farm Bureau	$374	$62
Farmers Union Insurance	$380	$65
Travelers	$883	$149
USAA	$1010	$172
Shelter	$1223	$206
Progressive	$1251	$211
Nationwide	$1402	$236
Farmers	$1491	$251
Allstate	$2602	$433
Farm Bureau	$3311	$563
State Farm	$5728	$955

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Car Insurance Rates with An Accident in White Cloud

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

Cheapest Car Insurance Companies after an At-Fault Accident in White Cloud

The cheapest car insurance companies after an at-fault accident in White Cloud include AutoOwners Insurance Co and American Family, offering $190 and $218, respectively. Encompass is an expensive provider with an average six-month premium of $307.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$190	$32
American Family	$218	$37
Electric	$268	$45
Iowa Farm Bureau	$302	$52
Farmers Union Insurance	$319	$53
Auto-Owners	$335	$57
Kansas Farm Bureau	$424	$71
USAA	$575	$97
Travelers	$581	$98
State Farm	$676	$114
Shelter	$955	$161
Progressive	$1223	$206
Farmers	$2032	$342
Allstate	$2262	$381
Farm Bureau	$2429	$405
Nationwide	$3105	$528
Encompass	$307	$53

White Cloud Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in White Cloud KS. For example, the car insurance in White Cloud after a DUI increases to $955 for a six month policy. While the rate increases by $213 for a six-month policy in the case of a speeding ticket.

White Cloud auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1094	$182
One Med/PIP claim	$1094	$186
Not-at-fault accident	$1122	$187
Two Med/PIP claims	$1172	$199
One comp claim	$1178	$196
Failure to show documents	$1212	$206
Two comp claims	$1223	$204
Failure to wear a seat belt	$1234	$210
Child safety restraint	$1267	$212
Driving with expired registration	$1267	$215
Driving without lights	$1267	$212
Speeding 6 - 10 MPH over limit	$1307	$222
Cell phone violation	$1324	$221
Driving too slowly	$1324	$225
Texting while driving	$1324	$221
Failure to yield	$1335	$227
Following too closely	$1335	$223
Illegal turn	$1335	$227
Wrong way/wrong lane	$1335	$223
In 65 MPH zone	$1340	$227
Speeding 11 - 15 MPH over limit	$1340	$224
Failure to stop at a red light	$1346	$228
Improper passing	$1346	$225
Speeding in school zone	$1346	$228
Speeding 16 - 20 MPH over limit	$1351	$226
Open container	$1362	$231
Operating a vehicle without permission	$1373	$229
Passing school bus	$1385	$235
Speeding 21 - 25 MPH over limit	$1385	$231
At-fault accident - less than $1000	$1402	$239
At-fault accident - $1000-$2000	$1546	$258
At-fault accident - greater than $2000	$1546	$263
Racing	$1709	$285
Reckless driving	$1854	$315
Driving with a suspended license	$2010	$335
Refusal to submit to a chemical test	$2032	$346
DUI	$2049	$341
Leaving scene of an accident/hit and run	$2133	$363

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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 White Cloud 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 White Cloud.

The cheapest car insurance premiums in White Cloud are offered by American Family at $251 for a six-month policy. However, it can be as expensive as $4266 with companies like Farm Bureau.

White Cloud car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$251	$42
Farmers Union Insurance	$368	$63
Travelers	$608	$102
Progressive	$782	$132
State Farm	$994	$167
USAA	$1044	$176
Farmers	$1340	$226
Shelter	$1390	$234
Allstate	$1876	$316
Nationwide	$4238	$721
Farm Bureau	$4266	$711

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 White Cloud are offered by Iowa Farm Bureau at $245. However, it can be as expensive as $2546 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in White Cloud after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$245	$41
American Family	$251	$42
Auto-Owners Insurance Co	$257	$43
Farmers Union Insurance	$274	$46
State Farm	$665	$112
Travelers	$676	$114
USAA	$687	$115
Progressive	$932	$157
Farmers	$1257	$212
Shelter	$1290	$219
Allstate	$1882	$314
Farm Bureau	$2262	$384
Nationwide	$2546	$424

Car Insurance Price Trends in White Cloud, Kansas

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

The average cost of full coverage in the White Cloud rose by $205 in January compared to $174 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 White Cloud rose to $47 in January, compared to $43 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 White Cloud?

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

What is the cheapest car insurance in White Cloud?

The cheapest car insurance in White Cloud is $69 per month for full coverage.

How much is car insurance in White Cloud for teenagers?

Car insurance for teenagers costs $207 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 White Cloud?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $166 per month to insure your car in White Cloud.

Is car insurance expensive in White Cloud?

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

Cheapest Car Insurance Quotes in White Cloud

Why you can trust Way?

How Much Is Car Insurance in White Cloud

Avg. Car Insurance in White Cloud

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in White Cloud

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

White Cloud Car Insurance Rates by Company

Cheap Car Insurance Companies in White Cloud, KS

Way's key takeaways about car insurance in White Cloud

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in White Cloud

Cheapest Liability Coverage in White Cloud, KS

Cheapest Full Coverage Car Insurance in White Cloud

Cheapest Full Coverage Car Insurance Quotes in White Cloud, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in White Cloud by Rating Factor

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

Car Insurance Premiums by Age in White Cloud

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in White Cloud,KS

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

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 White Cloud

Cheapest Car Insurance Companies after an At-Fault Accident in White Cloud

White Cloud Car Insurance Rates by Violation

White Cloud auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in White Cloud after a DUI

White Cloud car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in White Cloud after Speeding ticket

Car Insurance Price Trends in White Cloud, Kansas

Average Car Insurance Cost in White Cloud by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near White Cloud, KS

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

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