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Get Cheap Car Insurance in Linwood, KS

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

 

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The Cheapest Minimum Coverage in Linwood

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

 
Linwood Insurer Monthly Cost
State Farm $51
Kemper $53
Farm Bureau $55
Travelers $56

Savings for Every Kind of Linwood Driver

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

Based on our extensive insurance data, we know the average Linwood 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 $364 per year by choosing the right vehicle insurance company. Some Linwood residents are paying out over $1,537 extra every year for auto insurance in Linwood. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Linwood, KS Savings / Yr.
Drivers with good records
$364
Drivers with accidents
$581
Drivers with speeding tickets
$415
Drivers with a DUI conviction
$679
Young drivers
$1,324
Married drivers
$338
Drivers with bad credit
$738

Linwood Car Insurance vs. Kansas

People living in Linwood pay an average of 1.77% less than the typical driver in the state. The average driver in Linwood can expect to pay about $828 per year, or $1,537 for full coverage.

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

Car Insurance Prices by Linwood Neighborhood

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

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Linwood?

The map shows insurance prices in and around Linwood, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $34 per year within the city boundaries, with insurance premiums ranging from a high of $1,555 to a low of $1,521. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Northeast parts of Linwood.

Pick the Best Car Insurance Company for You in Linwood

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

The best car insurance provider for most drivers in Linwood

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $364 over the average Linwood car insurance company.

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We use the average good driver, paying $98 per month, as our baseline for pricing in Linwood. 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 Linwood drivers with accidents on their records

In Linwood getting into an accident will raise premiums an average 33% for a yearly cost of $2,293. That's $755 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 $581 over the competition.

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The best car insurance company for Linwood drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $415 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 Linwood, tickets raise premiums on new quotes about $384. If you have a speeding ticket, we recommend Geico, Dairyland, and Kemper for savings that beat the average insurance cost of $1,921 per year.

The best auto insurance for Linwood drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,476 per year in auto insurance premiums, which was $939 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 $679 less each year.

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

In Linwood, Geico costs young drivers $1,324 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 Linwood. With an average cost of $4,621 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 Linwood

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 Linwood.

State Farm gave the largest car insurance discounts to married couples, averaging $338 saved each year compared to an average Linwood couple's premiums.

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The cheapest car insurance in Linwood for drivers with bad credit

People with poor credit saved an average of $738 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $967 every year. Premiums for people with poor credit were about $2,504 in Linwood. 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 Linwood car insurance company for customer service

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

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

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 23% of Linwood 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 Linwood 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 Linwood, 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 Linwood

What Influences the Cost of Car Insurance in Linwood?

On average, car insurance in Linwood 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 Linwood is 37 minutes, which is far 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 Linwood are higher 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 D according to CrimeGrade.org.
  • Linwood is a lightly populated area 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 Linwood 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 Linwood driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Linwood 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.