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Get Cheap Car Insurance in Hessdale, KS

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

 

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The Cheapest Minimum Coverage in Hessdale

The chart below shows the cheapest car insurance company in Hessdale 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.

 
Hessdale Insurer Monthly Cost
State Farm $51
Kemper $52
Farm Bureau $55
Travelers $56

Savings for Every Kind of Hessdale Driver

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

Based on our extensive insurance data, we know the average Hessdale 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 $363 per year by choosing the right vehicle insurance company. Some Hessdale residents are paying out over $1,532 extra every year for auto insurance in Hessdale. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Hessdale, KS Savings / Yr.
Drivers with good records
$363
Drivers with accidents
$578
Drivers with speeding tickets
$413
Drivers with a DUI conviction
$676
Young drivers
$1,319
Married drivers
$337
Drivers with bad credit
$735

Hessdale Car Insurance vs. Kansas

People living in Hessdale pay an average of 2.12% less than the typical driver in the state. The average driver in Hessdale can expect to pay about $825 per year, or $1,532 for full coverage.

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

Car Insurance Prices by Hessdale Neighborhood

Hessdale, 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 Hessdale?

The map shows insurance prices in and around Hessdale, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $18 per year within the city boundaries, with insurance premiums ranging from a high of $1,541 to a low of $1,523. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Central parts of Hessdale.

Pick the Best Car Insurance Company for You in Hessdale

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

The best car insurance provider for most drivers in Hessdale

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $363 over the average Hessdale car insurance company.

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We use the average good driver, paying $97 per month, as our baseline for pricing in Hessdale. 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 Hessdale drivers with accidents on their records

In Hessdale getting into an accident will raise premiums an average 33% for a yearly cost of $2,284. That's $753 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 $578 over the competition.

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The best car insurance company for Hessdale drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $413 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 Hessdale, tickets raise premiums on new quotes about $383. If you have a speeding ticket, we recommend Geico, Dairyland, and Kemper for savings that beat the average insurance cost of $1,914 per year.

The best auto insurance for Hessdale drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,468 per year in auto insurance premiums, which was $936 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 $676 less each year.

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

In Hessdale, Geico costs young drivers $1,319 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 Hessdale. With an average cost of $4,604 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 Hessdale

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $85. State Farm, Progressive, and American Family Insurance provided the largest discounts to couples living in Hessdale.

State Farm gave the largest car insurance discounts to married couples, averaging $337 saved each year compared to an average Hessdale couple's premiums.

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The cheapest car insurance in Hessdale for drivers with bad credit

People with poor credit saved an average of $735 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $963 every year. Premiums for people with poor credit were about $2,495 in Hessdale. 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 Hessdale car insurance company for customer service

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

Nationwide was the best company for customer service in Hessdale 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 Hessdale, 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 Hessdale. 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 Hessdale

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 26% of Hessdale 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 Hessdale 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 Hessdale, 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 Hessdale

What Influences the Cost of Car Insurance in Hessdale?

On average, car insurance in Hessdale 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 Hessdale is 29 minutes, which is a little more than 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 Hessdale are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
  • Hessdale is a fairly densely populated area 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 Hessdale is $69 per month for minimum coverage and $128 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 Hessdale driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Hessdale 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.