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Get Cheap Car Insurance in Sumner County, KS

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

 

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The Cheapest Minimum Coverage in Sumner County

The chart below shows the cheapest car insurance company in Sumner County 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.

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

Savings for Every Kind of Sumner County Driver

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

Based on our extensive insurance data, we know the average Sumner County 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 $368 per year by choosing the right vehicle insurance company. Some Sumner County residents are paying out over $1,553 extra every year for auto insurance in Sumner County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Sumner County, KS Savings / Yr.
Drivers with good records
$368
Drivers with accidents
$587
Drivers with speeding tickets
$419
Drivers with a DUI conviction
$686
Young drivers
$1,338
Married drivers
$341
Drivers with bad credit
$745

Sumner County Car Insurance vs. Kansas

People living in Sumner County pay an average of 0.76% less than the typical driver in the state. The average driver in Sumner County can expect to pay about $837 per year, or $1,553 for full coverage.

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

Car Insurance Prices by Sumner County Neighborhood

Sumner County, 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 Sumner County?

The map shows insurance prices in and around Sumner County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $66 per year within the county boundaries, with insurance premiums ranging from a high of $1,592 to a low of $1,526. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Sumner County.

Pick the Best Car Insurance Company for You in Sumner County

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

The best car insurance provider for most drivers in Sumner County

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $368 over the average Sumner County car insurance company.

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

In Sumner County getting into an accident will raise premiums an average 33% for a yearly cost of $2,316. That's $763 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 Sumner County 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 Sumner County, tickets raise premiums on new quotes about $388. If you have a speeding ticket, we recommend Geico, Dairyland, and Kemper for savings that beat the average insurance cost of $1,941 per year.

The best auto insurance for Sumner County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,502 per year in auto insurance premiums, which was $949 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 $686 less each year.

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

In Sumner County, Geico costs young drivers $1,338 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 Sumner County. With an average cost of $4,668 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 Sumner County

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 Sumner County.

State Farm gave the largest car insurance discounts to married couples, averaging $341 saved each year compared to an average Sumner County couple's premiums.

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The cheapest car insurance in Sumner County for drivers with bad credit

People with poor credit saved an average of $745 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $977 every year. Premiums for people with poor credit were about $2,530 in Sumner County. 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 Sumner County car insurance company for customer service

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

Nationwide was the best company for customer service in Sumner County 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 Sumner County, 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 Sumner County. 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 Sumner County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 29% of Sumner County residents who are renting, and don't plan to be in the county 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 Sumner County 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 Sumner County, 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 Sumner County

What Influences the Cost of Car Insurance in Sumner County?

On average, car insurance in Sumner County 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 county are influenced by the following factors:

  • The average commute time in Sumner County is 28 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 Sumner County are about average 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.
  • Sumner County has an average population density in the state. The county’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 Sumner County is $70 per month for minimum coverage and $129 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 Counties

Counties with Similar Populations

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