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Get Cheap Car Insurance in Sharon Springs, KS

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

 

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The Cheapest Minimum Coverage in Sharon Springs

The chart below shows the cheapest car insurance company in Sharon Springs 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.

 
Sharon Springs Insurer Monthly Cost
State Farm $53
Kemper $55
Farm Bureau $57
Travelers $58

Savings for Every Kind of Sharon Springs Driver

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

Based on our extensive insurance data, we know the average Sharon Springs 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 $379 per year by choosing the right vehicle insurance company. Some Sharon Springs residents are paying out over $1,599 extra every year for auto insurance in Sharon Springs. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Sharon Springs, KS Savings / Yr.
Drivers with good records
$379
Drivers with accidents
$604
Drivers with speeding tickets
$431
Drivers with a DUI conviction
$706
Young drivers
$1,377
Married drivers
$351
Drivers with bad credit
$767

Sharon Springs Car Insurance vs. Kansas

People living in Sharon Springs pay an average of 2.17% more than the typical driver in the state. The average driver in Sharon Springs can expect to pay about $861 per year, or $1,599 for full coverage.

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

Car Insurance Prices by Sharon Springs Neighborhood

Sharon Springs, KS map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Sharon Springs?

The map shows insurance prices in and around Sharon Springs, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $11 per year within the city boundaries, with insurance premiums ranging from a high of $1,600 to a low of $1,589. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest parts of Sharon Springs.

Pick the Best Car Insurance Company for You in Sharon Springs

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

The best car insurance provider for most drivers in Sharon Springs

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $379 over the average Sharon Springs car insurance company.

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

In Sharon Springs getting into an accident will raise premiums an average 33% for a yearly cost of $2,385. That's $786 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 $604 over the competition.

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The best car insurance company for Sharon Springs drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $431 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 Sharon Springs, tickets raise premiums on new quotes about $399. If you have a speeding ticket, we recommend Geico, Dairyland, and Kemper for savings that beat the average insurance cost of $1,998 per year.

The best auto insurance for Sharon Springs drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,576 per year in auto insurance premiums, which was $977 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 $706 less each year.

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

In Sharon Springs, Geico costs young drivers $1,377 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 Sharon Springs. With an average cost of $4,806 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 Sharon Springs

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 Sharon Springs.

State Farm gave the largest car insurance discounts to married couples, averaging $351 saved each year compared to an average Sharon Springs couple's premiums.

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The cheapest car insurance in Sharon Springs for drivers with bad credit

People with poor credit saved an average of $767 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,005 every year. Premiums for people with poor credit were about $2,604 in Sharon Springs. 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 Sharon Springs car insurance company for customer service

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

Nationwide was the best company for customer service in Sharon Springs 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 Sharon Springs, 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 Sharon Springs. 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 Sharon Springs

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 32% of Sharon Springs 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 Sharon Springs 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 Sharon Springs, 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 Sharon Springs

What Influences the Cost of Car Insurance in Sharon Springs?

On average, car insurance in Sharon Springs 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 Sharon Springs is 19 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 14 to 15 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Sharon Springs are about 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.
  • Sharon Springs is one of the most densely populated areas 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 Sharon Springs is $72 per month for minimum coverage and $133 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 Sharon Springs driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Sharon Springs 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.