(888) 291-7830   (888) 291-7830

(5% to 50%) Discount
Car Insurance
Holton KS

No spam. No hidden fees. No Long Forms
No spam. No hidden fees.
No Long Forms

1.8M+

Satisfied Visitors

$600+

Average Policy Savings

900k+

Return Clients



Cheap Auto Insurance Rates Near Me


Cheap Auto Insurance in Holton Kansas

Why Are Car Insurance Rates So Expensive Near Me

Kansas is one of the states that has some of the highest car insurance rates in the nation. The reason for this is because Kansas requires a great deal of coverage when it comes to auto insurance. Kansas law requires drivers to carry liability, collision, and comprehensive coverage on their vehicle. This means that when an accident occurs and one or more parties are injured, Holton drivers are required to have the resources to cover their medical expenses. Because of this requirement, Kansas car insurance rates tend to be higher than in other states. Additionally, Kansas has a high rate of uninsured motorists which can also drive up car insurance costs. By shopping around and comparing different companies and pricing options, Kansas drivers may be able to find affordable car insurance coverage that meets their needs and budget.

Car Insurance Quotes by Age of Driver(15 to 70)

Age of Driver Insurance Cost
Teens $4,711
20 Years $1,866
30 Years $1,437
40 Years $1,383
50 Years $1,280
60 Years $1,298
70 Years $1,511

Auto Insurance Rates for Young vs Older People

Car insurance providers consider a variety of factors when determining rates. Holton drivers aged 16-25 tend to pay more for car insurance than older drivers since they are considered a higher risk group due to their inexperience on the road. Kansas law also imposes additional restrictions on young drivers such as having an adult supervise them and limiting the number of passengers allowed in the vehicle. Older Kansas drivers benefit from years of experience and lower auto insurance premiums as a result. Although older Kansas residents may have fewer driving restrictions, they must still maintain safe driving habits to keep their car insurance costs low.

Best Auto Insurance Companies in Kansas

Allstate

American Family

Travelers

Farmers

Geico

NAIC Market Share

9.33%

2.28%

13.45%

4.16%

13.45%

S&P Global Ratings

A-

A

A++

A

AA+

Average Full Coverage Yearly Premium

$1,899

$1,262

$1,199

$1,900

$1,133

Discount Rating

4 stars

5 stars

3 stars

4 stars

5 stars


Allstate

American Family

Travelers

Farmers

Geico

NAIC Market Share

9.33%

2.28%

13.45%

4.16%

13.45%

S&P Global Ratings

A-

A

A++

A

AA+

Average Full Coverage Yearly Premium

$1,899

$1,262

$1,199

$1,900

$1,133

Discount Rating

4 stars

5 stars

3 stars

4 stars

5 stars


Allstate

American Family

Travelers

Farmers

Geico

NAIC Market Share

9.33%

2.28%

13.45%

4.16%

13.45%

S&P Global Ratings

A-

A

A++

A

AA+

Average Full Coverage Yearly Premium

$1,899

$1,262

$1,199

$1,900

$1,133

Discount Rating

4 stars

5 stars

3 stars

4 stars

5 stars


Car Insurance Companies Near Me

Shelter Insurance - Don Fate

208 W 4th St, Holton, KS 66436, United States

(785) 364-9090

https://www.shelterinsurance.com/CA/agent/DONFATE

Adkins Insurance Agency, Inc

207 Arizona Ave Suite A, Holton, KS 66436, United States

(785) 364-3771

http://www.adkinsinsuranceweb.com/

Gus Suarez - State Farm Insurance Agent

515 Arizona Ave, Holton, KS 66436, United States

(785) 364-3890

http://www.gussuarez.com/

Kellerman Insurance

101 W 4th St, Holton, KS 66436, United States

(785) 364-2921

http://www.kellermaninsurance.com/

Brad Noller American Family Insurance

102 W 5th St, Holton, KS 66436, United States

(785) 364-3302

https://agent.amfam.com/brad-noller/ks/holton/102-w-5th-st/

Farm Bureau Financial Services

521 Arizona Ave, Holton, KS 66436, United States

(785) 364-2111

https://www.fbfs.com/find-an-agent/Search

Factors That Impact Kansas Car Insurance Rates

Holton car insurance rates can be affected by many different factors, including but not limited to:

By taking the time to compare Holton car insurance quotes, Kansas drivers can find policies that fit their budget and provide them with the coverage they need. With so many factors affecting auto insurance rates in Kansas, it’s important to shop around and compare coverage options in order to get the best deal.

Comparing the Best Car Insurance Companies Nearby

In Holton, there are a number of car insurance providers to choose from. Kansas drivers should compare the coverage options and customer service ratings of each provider before making their decision. Some of the top Kansas auto insurance companies include:

By doing some research and comparing different providers, Holton drivers can find an auto insurance company that meets their coverage needs and budget. With so many options available, Kansas residents have many choices when it comes to finding the best car insurance for their needs.

Average Annual Premium Increase & Savings per Driving Infraction

Driving Infraction Type Average Annual Premium Potential Quote Savings
DUI$3491$998
Reckless Driving$3152$978
Wrong Way/Wrong Lane$3037$952
Driving on Sus. License$2887$930
Illegal Turn$2851$914
Failure to Obey Traffic Sign$2817$857
Speeding over 15$2716$854
Defective Equipment$2403$798
Speeding under 15$1491$623

How Driving Infractions Increase Insurance Premiums

Driving infractions, such as speeding tickets and reckless driving, can have a significant impact on insurance premiums in Holton. Although Kansas does not track the average increase in premium resulting from traffic violations, studies show that they can lead to an increase of up to 20% in some cases. The severity of each offense will determine the exact amount by which a person's premiums may rise.

In Holton KS, the severity of an infraction is determined by a point system; every time someone commits a moving violation they receive points on their license based on the type of offense and its severity. Accumulating these points can eventually lead to higher insurance premiums due to increased risk associated with frequent violations. In Kansas, if you accumulate 8 or more points on your license within a three year period, insurance companies are allowed to charge you an additional fee.

It is important for Holton drivers to be aware of the potential impact that traffic violations can have on their insurance premiums. It is also important to remember that these rates can vary significantly depending on the violation and your specific driving history. Being mindful of these factors can help Kansas drivers make decisions which will lead to lower premiums and fewer points on their license.

Average Annual Vehicle Insurance by Credit Score

Credit Rating Average Rate
Average of All Credit Ratings $1459
Below Fair $2310
Poor $2509
Worst $2806

Does Credit Score Matter When Getting Cheaper Quotes?

In Holton, credit score can be an important factor when it comes to getting cheaper quotes on car insurance. Insurance companies use a person's credit score as an indication of their ability to pay premiums on time; people with good credit scores usually get lower rates than those with bad credit. While Kansas does not have specific laws or regulations regarding the use of credit scores to determine rates, most insurance companies use them to set rates for customers.

It is important for Holton drivers to understand how their credit score affects their insurance premiums so that they can make informed decisions about which policies and providers are best for them. It is also important to remember that many factors can influence the rate you receive from an insurer and that it is always worth shopping around to get the best possible rate. Kansas drivers should also consider other ways to keep their premiums low, such as taking a defensive driving course or opting for higher deductibles.

Average Monthly Car Payment Plus Insurance in My Location

Average Monthly Auto Insurance Payment for Liability or Full Coverage in Holton Kansas

Don't Forget The Total Monthly Cost of Your Vehicle

In Holton, it is important to consider the total monthly cost of your vehicle when making a purchase. This includes not only the price of the car itself but also insurance premiums and other associated costs, such as registration fees, taxes, and maintenance. Kansas drivers should always research these costs beforehand so that they can ensure they are getting the best deal possible.

When researching insurance rates in Holton, be sure to take into account the type of vehicle you are looking at purchasing and any safety features it may have. Certain vehicles may qualify for discounts based on their safety ratings; this could result in lower premiums than if you had chosen an older model with fewer safety features. Additionally, Kansas drivers should shop around and compare different providers to get the best rate possible.

car insurance companies Holton KS

How to Save on Car Insurance in Your Zip Code

Do your research
Compare quotes from different places
Take advantage of policy bundles
Look at vehicle safety ratings
Participate in discount programs through driver training or safe driving rewards
Maintain a good credit rating

Full Coverage vs Liability Only Insurance in Kansas

When shopping for car insurance in Holton, it is important to understand the difference between full coverage and liability only policies. Full coverage typically includes both collision and comprehensive protection, while liability only covers damage or losses caused by your vehicle to another person's property. Kansas requires all drivers to carry at least the minimum amount of liability coverage, which can vary from state to state.

Drivers who are looking for more extensive protection may want to consider adding additional types of coverage such as Uninsured Motorist Property Damage (UMPD) or Personal Injury Protection (PIP). While these coverages will increase your premiums, they can also provide valuable protection in the event of an accident. Holton drivers should compare different levels of coverage when getting quotes so that they can make an informed decision about which policy is right for them.

Holton drivers should always be mindful of the traffic laws in their state and understand the impact t Kansas is a great place to live, work, and drive; however, it is important for Kansas drivers to remember that just because you are driving in Kansas does not mean you can ignore your responsibility as a driver. As such, it is important to understand how different infractions can affect insurance rates as well as other factors that may influence premiums. Understanding these things can help Kansas drivers save money on car insurance while still ensuring they have adequate protection when needed.

State Auto Insurance Minimums in Kansas

Kansas requires drivers to maintain a minimum level of liability coverage in order to legally drive. This coverage helps protect other people and their property from any damage or losses caused by the driver's vehicle in an accident. Holton drivers must have at least $25,000 per person bodily injury liability, $50,000 per accident bodily injury liability, and $25,000 for property damage. Drivers are also encouraged to carry higher limits of coverage if possible as this may provide greater protection if an accident occurs.

It is important for Holton drivers to remember that these minimum requirements are just that - the minimums required by law. It is always worth shopping around for additional coverage or higher limits as this can help provide greater protection in the event of an accident. Kansas drivers can find the best rates for their insurance needs by comparing different providers and gathering multiple quotes before making a decision.

The Kansas Department of Insurance is available to help Holton drivers understand their auto insurance coverage options and answer any questions they have about the process. With proper research and comparison-shopping, Kansas drivers can save money on car insurance while still having adequate protection when necessary

Non-Owner Car Insurance in KS

Kansas drivers who do not own a vehicle but still need to drive from time to time may want to consider getting non-owner car insurance. This type of coverage typically includes the same types of protection found in standard policies, including liability and uninsured/underinsured motorist coverage. Non-owner policies are ideal for those who frequently rent cars or drive other people's vehicles on occasion, as it can provide valuable protection when needed. Holton drivers should compare multiple providers and get quotes before selecting a policy so that they can find the best rate possible.

Getting Coverage for Teenagers in KS

Holton drivers with teen drivers in the household should also make sure they have adequate coverage for them. While Kansas does not require teens to carry auto insurance, it is recommended that parents add their teenage driver to their existing policy or purchase separate coverage for them. Having a teenager on an insurance policy can significantly increase premiums, so Kansas drivers should research different providers and compare quotes before making a decision.

Car Insurance for Seniors

Holton drivers over the age of 65 may qualify for special discounts on their car insurance. Most companies offer discounts to seniors who have taken a driver safety course or maintained a clean driving record, so it is important for Kansas seniors to take advantage of these offerings if possible. Kansas drivers should also compare quotes from multiple providers and research different types of coverage available in order to find the best rates possible.

Do I Need SR-22 Insurance in Kansas

Holton drivers who have had their license suspended or revoked due to a DUI or other serious traffic violations may need to file an SR-22 form with the Kansas Department of Motor Vehicles. This certificate is proof that the driver has the necessary insurance coverage and will be required for a certain period of time before they can reinstate their license. Kansas drivers should contact their insurance provider if they need to file an SR-22, as this type of coverage is not offered by all companies.

Drivers License Requirements in Kansas

Drivers in Kansas are required to have a valid Kansas driver’s license to operate a motor vehicle on state roads. To obtain a license, applicants must be at least 15 years and 6 months old and pass written, vision, and road tests. Applicants under 18 years of age must also present a Kansas Certificate of Completion from an approved driver education program. A parent or guardian must sign the application for any applicant younger than 18 years of age. All drivers in Holton are required to carry car insurance that meets the minimum requirements established by Kansas law. The Kansas Department of Motor Vehicles (DMV) provides detailed information about obtaining and renewing Kansas driver's licenses. Additionally, Kansas offers several types of specialized permits such as motorcycle, commercial, and chauffeur permits, each with their own set of requirements. Kansas also offers a ""driver improvement program"" for drivers needing to improve their driving skills or restore revoked licenses. Kansas is committed to providing safe roads for all citizens by enforcing the state's driver’s license requirements.

For more information about obtaining a Kansas driver's license, please visit the Kansas DMV website at www.ksdmv.org/drivers-licensing/. You can also call the Kansas DMV Customer Service Center at (785) 296-3621 for further assistance in navigating Holton driver's licensing requirements.

Should I Increase My Deductible?

Before deciding whether to increase your deductible, it’s important to consider the potential risks associated with making such a decision. A higher deductible generally means lower premiums and offers greater financial protection in the event of an accident; however, it also means you will have to pay more out-of-pocket expenses if you need to make a claim. It’s important to be aware of Kansas laws regarding auto insurance coverage and deductibles before increasing your deductible. Additionally, it is wise to consult with an insurance agent or broker who can provide guidance on the best option for your unique situation. Ultimately, only you can decide what level of risk is worth taking when it comes to selecting an auto insurance policy in Holton.

How Speeding Tickets Affect Insurance Costs in KS

Speeding tickets can have a major impact on your auto insurance rates in Holton. Depending on the speeding violation, insurance companies could increase your premiums or even cancel your policy. Kansas law requires all drivers to carry a minimum amount of liability coverage and if you are convicted of a serious moving violation, such as excessive speeding, you may be legally required to purchase additional coverage or face suspension of your license. It’s important to note that Kansas also has some of the toughest penalties for driving under the influence—including fines, jail time, and having your driver's license revoked—so it is extremely important to obey all speed limits in Kansas. If you receive a speeding ticket in Kansas, consult with an attorney right away who can provide information about how the ticket might affect your insurance rates and other legal penalties.

Benefits of Using a Local Agent or Broker Near Me

Using a local Holton insurance agent or broker can provide benefits that you cannot get by going directly to an insurance company. Local agents and brokers have extensive knowledge of Kansas laws and regulations regarding auto insurance and can help you find the best coverage for your needs at the most competitive rate. They are also familiar with Kansas’s smaller insurers, which may offer more competitive rates than larger national companies. Additionally, having a local Kansas agent or broker makes it easy for you to get answers to questions about policies in person, as opposed to calling into a customer service line of an out-of-state insurer. Having a partner who is knowledgeable about Kansas drivers and their specific needs can make all the difference in finding quality car insurance coverage at an affordable rate.

car insurance companies Holton KS

Shopping for Car Insurance Places Near Me

It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Holton, Kansas. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.


Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.


Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Holton, KS.

The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.