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Get Cheap Car Insurance in Neosho Rapids, KS

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

 

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The Cheapest Minimum Coverage in Neosho Rapids

The chart below shows the cheapest car insurance company in Neosho Rapids 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.

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

Savings for Every Kind of Neosho Rapids Driver

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

Based on our extensive insurance data, we know the average Neosho Rapids 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 Neosho Rapids residents are paying out over $1,502 extra every year for auto insurance in Neosho Rapids. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Neosho Rapids, 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

Neosho Rapids Car Insurance vs. Kansas

People living in Neosho Rapids pay an average of 4.00% less than the typical driver in the state. The average driver in Neosho Rapids can expect to pay about $809 per year, or $1,502 for full coverage.

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

Car Insurance Prices by Neosho Rapids Neighborhood

Neosho Rapids, 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 Neosho Rapids?

The map shows insurance prices in and around Neosho Rapids, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $26 per year within the city boundaries, with insurance premiums ranging from a high of $1,527 to a low of $1,501. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Central parts of Neosho Rapids.

Pick the Best Car Insurance Company for You in Neosho Rapids

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

The best car insurance provider for most drivers in Neosho Rapids

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

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We use the average good driver, paying $96 per month, as our baseline for pricing in Neosho Rapids. 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 Neosho Rapids drivers with accidents on their records

In Neosho Rapids 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 Neosho Rapids 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 Neosho Rapids, 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 Neosho Rapids drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,420 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 Neosho Rapids

In Neosho Rapids, 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 Neosho Rapids. With an average cost of $4,516 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 Neosho Rapids

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 Neosho Rapids.

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

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The cheapest car insurance in Neosho Rapids 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 Neosho Rapids. 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 Neosho Rapids car insurance company for customer service

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

Nationwide was the best company for customer service in Neosho Rapids 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 Neosho Rapids, 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 Neosho Rapids. 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 Neosho Rapids

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 6.1% of Neosho Rapids 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 Neosho Rapids 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 Neosho Rapids, 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 Neosho Rapids

What Influences the Cost of Car Insurance in Neosho Rapids?

On average, car insurance in Neosho Rapids 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 Neosho Rapids is 27 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 Neosho Rapids are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • Neosho Rapids has an average population density 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 Neosho Rapids 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

Cities with Similar Populations

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