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Get Cheap Car Insurance in Carlyle, KS

We monitor insurance prices, helping the average driver in Carlyle save up to 29.5% on car insurance.

 

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The Cheapest Minimum Coverage in Carlyle

The chart below shows the cheapest car insurance company in Carlyle for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Kemper, Farm Bureau, and Travelers.

 
Carlyle Insurer Monthly Cost
State Farm $50
Kemper $51
Farm Bureau $54
Travelers $54

Savings for Every Kind of Carlyle Driver

The table shows how much the average auto insurance customer in Carlyle might save by following our recommendations.

Based on our extensive insurance data, we know the average Carlyle driver will save about 24% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $356 per year by choosing the right vehicle insurance company. Some Carlyle residents are paying out over $1,503 extra every year for auto insurance in Carlyle. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Carlyle, KS Savings / Yr.
Drivers with good records
$356
Drivers with accidents
$567
Drivers with speeding tickets
$405
Drivers with a DUI conviction
$663
Young drivers
$1,294
Married drivers
$330
Drivers with bad credit
$721

Carlyle Car Insurance vs. Kansas

People living in Carlyle pay an average of 3.98% less than the typical driver in the state. The average driver in Carlyle can expect to pay about $809 per year, or $1,503 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Carlyle for most people.

Car Insurance Prices by Carlyle Neighborhood

Carlyle, KS map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Carlyle?

The map shows insurance prices in and around Carlyle, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $66 per year within the city boundaries, with insurance premiums ranging from a high of $1,564 to a low of $1,498. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Central parts of Carlyle.

Pick the Best Car Insurance Company for You in Carlyle

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Carlyle insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Carlyle

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $356 over the average Carlyle car insurance company.

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We use the average good driver, paying $96 per month, as our baseline for pricing in Carlyle. Geico, Kemper, and Midvale Home & Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Carlyle drivers with accidents on their records

In Carlyle getting into an accident will raise premiums an average 33% for a yearly cost of $2,241. That's $738 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Kemper, and American Family Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $567 over the competition.

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The best car insurance company for Carlyle drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $405 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Carlyle, tickets raise premiums on new quotes about $375. If you have a speeding ticket, we recommend Geico, Dairyland, and Kemper for savings that beat the average insurance cost of $1,878 per year.

The best auto insurance for Carlyle drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,421 per year in auto insurance premiums, which was $918 more than a driver with no major issues. Travelers, Dairyland, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from Dairyland may cost the average person with a DUI about $663 less each year.

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The least expensive car insurance company for new and young drivers in Carlyle

In Carlyle, Geico costs young drivers $1,294 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Carlyle. With an average cost of $4,517 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and American Family Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Carlyle

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $84. State Farm, Progressive, and American Family Insurance provided the largest discounts to couples living in Carlyle.

State Farm gave the largest car insurance discounts to married couples, averaging $330 saved each year compared to an average Carlyle couple's premiums.

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The cheapest car insurance in Carlyle for drivers with bad credit

People with poor credit saved an average of $721 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $945 every year. Premiums for people with poor credit were about $2,447 in Carlyle. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Dairyland.

The best Carlyle car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Carlyle, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Carlyle.

Nationwide was the best company for customer service in Carlyle according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Carlyle, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Carlyle. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Carlyle

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 15% of Carlyle residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Carlyle driver can expect to pay about $100 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Carlyle, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, drivers with a DUI conviction, and married couples.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Carlyle

What Influences the Cost of Car Insurance in Carlyle?

On average, car insurance in Carlyle is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Carlyle is 25 minutes, which is about the national average for a driver in the state.
  • Kansas state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Carlyle are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
  • Carlyle has an average population density in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Carlyle is $67 per month for minimum coverage and $125 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

  • Iola: Insurance costs 3.19% more
  • Colony: Insurance costs 1.86% more
  • Gas: Insurance costs 2.53% more
  • Bassett: Insurance costs 4.66% more
  • Neosho Falls: Insurance costs 3.86% more
  • La Harpe: Insurance costs 0.13% more
  • Piqua: Insurance costs 4.59% more
  • Lone Elm: Insurance costs 2.40% more
  • Humboldt: Insurance costs 3.93% more
  • Everett: Insurance costs 4.46% more

Cities with Similar Populations

* Who is the average Carlyle driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Carlyle with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.