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Get Cheap Car Insurance in Lenexa, KS

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

 

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The Cheapest Minimum Coverage in Lenexa

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

 
Lenexa Insurer Monthly Cost
State Farm $52
Kemper $53
Farm Bureau $56
Travelers $56

Savings for Every Kind of Lenexa Driver

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

Based on our extensive insurance data, we know the average Lenexa 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 $369 per year by choosing the right vehicle insurance company. Some Lenexa residents are paying out over $1,556 extra every year for auto insurance in Lenexa. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Lenexa, KS Savings / Yr.
Drivers with good records
$369
Drivers with accidents
$587
Drivers with speeding tickets
$419
Drivers with a DUI conviction
$687
Young drivers
$1,340
Married drivers
$342
Drivers with bad credit
$746

Lenexa Car Insurance vs. Kansas

People living in Lenexa pay an average of 0.60% less than the typical driver in the state. The average driver in Lenexa can expect to pay about $838 per year, or $1,556 for full coverage.

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

Car Insurance Prices by Lenexa Neighborhood

Lenexa, 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 Lenexa?

The map shows insurance prices in and around Lenexa, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $253 per year within the city boundaries, with insurance premiums ranging from a high of $1,725 to a low of $1,472. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Central parts of Lenexa.

Pick the Best Car Insurance Company for You in Lenexa

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

The best car insurance provider for most drivers in Lenexa

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $369 over the average Lenexa car insurance company.

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We use the average good driver, paying $99 per month, as our baseline for pricing in Lenexa. 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 Lenexa drivers with accidents on their records

In Lenexa getting into an accident will raise premiums an average 33% for a yearly cost of $2,320. That's $764 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 $587 over the competition.

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The best car insurance company for Lenexa drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $419 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 Lenexa, tickets raise premiums on new quotes about $389. If you have a speeding ticket, we recommend Geico, Dairyland, and Kemper for savings that beat the average insurance cost of $1,944 per year.

The best auto insurance for Lenexa drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,506 per year in auto insurance premiums, which was $950 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 $687 less each year.

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

In Lenexa, Geico costs young drivers $1,340 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 Lenexa. With an average cost of $4,676 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 Lenexa

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $86. State Farm, Progressive, and American Family Insurance provided the largest discounts to couples living in Lenexa.

State Farm gave the largest car insurance discounts to married couples, averaging $342 saved each year compared to an average Lenexa couple's premiums.

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The cheapest car insurance in Lenexa for drivers with bad credit

People with poor credit saved an average of $746 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $978 every year. Premiums for people with poor credit were about $2,534 in Lenexa. 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 Lenexa car insurance company for customer service

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

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

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 33% of Lenexa 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 Lenexa 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 Lenexa, 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 Lenexa

What Influences the Cost of Car Insurance in Lenexa?

On average, car insurance in Lenexa 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 Lenexa is 24 minutes, which is a little less 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 Lenexa are lower than 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.
  • Lenexa 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 Lenexa is $70 per month for minimum coverage and $130 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

Cities with Similar Populations

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