How to Find Cheap Dodge City Auto Insurance Quotes

Dodge City drivers can often find meaningful savings simply by shopping their policy at each renewal instead of letting it auto-renew. Because Ford County’s insurance market is smaller than in Wichita or Kansas City, rate spreads between carriers here tend to be wider — comparing quotes from both national insurers and local agents through InsuranceQuotes is one of the fastest ways to find a better deal on minimum-liability or full-coverage protection.

How Much Does Auto Insurance Cost in Dodge City, KS?

Dodge City has the highest full-coverage average of 74 Kansas cities in our data, about $264 a month ($3,162 a year), though state minimum is a modest $58, for a clean-record 40-year-old as of August 31, 2026. That’s the highest full-coverage average of 74 Kansas cities in our data, but State Farm and Progressive are close to the state norm at about $196 and $198 a month.

Dodge City has the highest full-coverage average of the 74 Kansas cities in our rate sample. Our benchmark driver pays about $264 a month here, 19% above the state average. Minimum coverage, by contrast, is 8% below average at about $58 a month.

That gap tells you where to focus. State Farm and Progressive both price full coverage near $197 a month, close to the Kansas norm, while two other insurers charge well over $300.

Updated September 24, 2026, with insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services.

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_{Cost data comes from insurers’ filed auto rates across the 1 Dodge City ZIP code we price, compiled by Quadrant Information Services and updated as new rates are filed.}

Which Company has the Cheapest Car Insurance in Dodge City?

• State Farm ($196 a month) and Progressive ($198) are effectively tied for the lowest full-coverage average in Dodge City, about $2 apart.
• American Family is third at $220. Farm Bureau Financial Services ($331) and Allstate ($396) are much higher.
• The spread is the widest on any of our Kansas city pages: $2,400 a year between the cheapest and most expensive insurer for the same policy.

These prices are for Dodge City ZIP code 67801 and the 6 insurers in our Kansas data. Travelers and GEICO, the last rows shown, can be cheaper still.

Insurance Provider:	State Minimum:	Monthly:	Full Coverage:	Monthly
State Farm	$552	$46	$2,347	$196
Progressive	$338	$28	$2,375	$198
American Family	$811	$68	$2,644	$220
Farmers	$875	$73	$2,887	$241
Farm Bureau Financial Services	$493	$41	$3,973	$331
Allstate	$1,078	$90	$4,747	$396
Travelers*	$489	$41	$2,274	$190
GEICO*	$418	$35	$2,412	$201
Shelter*	$786	$66	$2,956	$246

Dodge City and the Rest of Southwest Kansas

Three of the four most expensive Kansas cities in our data are in the southwest: Dodge City ($264 a month), Ulysses ($263) and Garden City ($261), with Liberal ($255) close behind.

The regional premium comes from a few insurers, not all of them. In Dodge City, the three cheapest companies average $220 a month or less, while Allstate’s price is about $396.

Raising liability from 50/100/50 to 100/300/100 costs only about $5 a month more.

How Much Car Insurance Do I Need in Kansas?

Kansas law requires every registered driver to carry at least the following liability limits, though Dodge City agents often recommend higher protection given rising repair and medical costs:

1. $25,000 bodily injury liability per person
2. $50,000 bodily injury liability per accident
3. $25,000 property damage liability per accident
4. Personal injury protection (PIP): $4,500 per person for medical care, $900 a month for up to a year of lost income, $4,500 for rehabilitation, $2,000 for funeral costs and $25 a day for in-home help
5. Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident

These are only the legal floor. A serious crash on US-50 or US-400 can easily exceed $25,000 in property damage or medical costs, leaving an underinsured driver responsible for the rest. With higher limits costing only a few dollars more here, most drivers are better protected with them.

How to Save Money on Your Auto Policy

In Dodge City, the insurer you choose matters more than anything else:

1. Get quotes from State Farm and Progressive first: They were about $2 a month apart and roughly $200 a month below the most expensive insurer in our data.
2. Compare against your current bill: If you’re paying above $300 a month for full coverage on a similar profile, you’re likely with one of the higher-priced insurers.
3. Keep comprehensive for wind and hail: Severe storms are common in southwest Kansas.
4. Price your vehicle before you buy: Trucks and larger vehicles common in the area can cost more to insure than our benchmark sedan.
5. Re-shop each year: Southwest Kansas prices vary widely by insurer, so a yearly check can pay off.

One of the easiest discounts to get is a multi-policy discount. If you own a home, compare Kansas home insurance rates while you shop for car insurance.

How We Calculated Dodge City Car Insurance Rates

InsuranceQuotes analyzes insurers’ filed auto rates compiled by Quadrant Information Services, which models premiums from the rate filings insurers submit to state regulators. This page uses rates in effect on August 31, 2026.

• Sample: 14 quotes (7 full coverage and 7 state minimum) from 7 insurance companies, grouped into 6 brands, in ZIP code 67801, which covers Dodge City.
• Driver: a single 40-year-old man, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE he owns, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the coverage Kansas requires: 25/50/25 liability, PIP and uninsured/underinsured motorist coverage.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the city’s ZIP codes. The city average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business.
• Other insurers: when an insurer’s filed rate for this driver isn’t in our data yet, its average is estimated from 2026 published rate studies and scaled to the same driver and coverage. Those insurers aren’t used for our cheapest-insurer rankings.
• What this isn’t: a quote. These are modeled filed rates for one driver profile. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.

Kansas coverage requirements come from the Kansas Insurance Department’s auto shopper’s guide. We refresh these figures when new filed-rate data is released.