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Get Cheap Car Insurance in Fort Riley, KS

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

 

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The Cheapest Minimum Coverage in Fort Riley

The chart below shows the cheapest car insurance company in Fort Riley 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.

 
Fort Riley Insurer Monthly Cost
State Farm $53
Kemper $55
Farm Bureau $58
Travelers $58

Savings for Every Kind of Fort Riley Driver

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

Based on our extensive insurance data, we know the average Fort Riley 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 $381 per year by choosing the right vehicle insurance company. Some Fort Riley residents are paying out over $1,609 extra every year for auto insurance in Fort Riley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Fort Riley, KS Savings / Yr.
Drivers with good records
$381
Drivers with accidents
$608
Drivers with speeding tickets
$434
Drivers with a DUI conviction
$710
Young drivers
$1,386
Married drivers
$354
Drivers with bad credit
$772

Fort Riley Car Insurance vs. Kansas

People living in Fort Riley pay an average of 2.81% more than the typical driver in the state. The average driver in Fort Riley can expect to pay about $867 per year, or $1,609 for full coverage.

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

Car Insurance Prices by Fort Riley Neighborhood

Fort Riley, 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 Fort Riley?

The map shows insurance prices in and around Fort Riley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $180 per year within the city boundaries, with insurance premiums ranging from a high of $1,639 to a low of $1,459. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Fort Riley.

Pick the Best Car Insurance Company for You in Fort Riley

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 Fort Riley insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Fort Riley

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $381 over the average Fort Riley car insurance company.

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We use the average good driver, paying $102 per month, as our baseline for pricing in Fort Riley. 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 Fort Riley drivers with accidents on their records

In Fort Riley getting into an accident will raise premiums an average 33% for a yearly cost of $2,400. That's $791 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 $608 over the competition.

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The best car insurance company for Fort Riley drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $434 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 Fort Riley, tickets raise premiums on new quotes about $402. If you have a speeding ticket, we recommend Geico, Dairyland, and Kemper for savings that beat the average insurance cost of $2,011 per year.

The best auto insurance for Fort Riley drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,592 per year in auto insurance premiums, which was $983 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 $710 less each year.

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

In Fort Riley, Geico costs young drivers $1,386 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 Fort Riley. With an average cost of $4,836 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 Fort Riley

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $89. State Farm, Progressive, and American Family Insurance provided the largest discounts to couples living in Fort Riley.

State Farm gave the largest car insurance discounts to married couples, averaging $354 saved each year compared to an average Fort Riley couple's premiums.

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The cheapest car insurance in Fort Riley for drivers with bad credit

People with poor credit saved an average of $772 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,012 every year. Premiums for people with poor credit were about $2,621 in Fort Riley. 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 Fort Riley car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Fort Riley, 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 Fort Riley.

Nationwide was the best company for customer service in Fort Riley 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 Fort Riley, 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 Fort Riley. 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 Fort Riley

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 96% of Fort Riley 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 Fort Riley 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 Fort Riley, 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.
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Auto Insurance Prices in and Around Fort Riley

What Influences the Cost of Car Insurance in Fort Riley?

On average, car insurance in Fort Riley is more expensive than the rest of the state. These high 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 Fort Riley is 14 minutes, which is far less than average for a driver in the state.
  • Kansas state insurance regulations may allow for lower prices.
  • An average of 5 to 6 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Fort Riley are about average 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 F according to CrimeGrade.org.
  • Fort Riley is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Fort Riley is $72 per month for minimum coverage and $134 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

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* Who is the average Fort Riley driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Fort Riley 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.