How to Find Cheap Emporia Auto Insurance Quotes
Emporia drivers pay about $50 a month for state-minimum liability, one of the lowest prices in Kansas, and about $210 a month ($2,519 a year) for full coverage, for a clean-record 40-year-old as of August 31, 2026. Minimum coverage is 20% below the Kansas average, and four insurers are within $10 a month of each other for full coverage.
Emporia has some of the cheapest minimum coverage in Kansas. Our benchmark driver pays about $50 a month for a state-minimum policy here, 20% below the state average and the lowest of any Kansas city page on our site. Full coverage averages about $210 a month, 6% below average.
Four insurers are bunched together for full coverage, all within about $10 a month, so the cheapest one for you will depend on your own record and discounts.
Updated September 24, 2026, with insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services.
Emporia sits in Kansas’s Flint Hills region at the junction of I-35 (the Kansas Turnpike) and US-50, home to Emporia State University and a farming and ranching economy that shapes the local driving mix. Because rates for the same driver profile can still swing significantly between insurers here, comparing multiple quotes is worth the extra few minutes. InsuranceQuotes’ comparison tool pulls pricing from a wide network of national and local providers so Emporia drivers can see their options side by side before choosing a policy.
How Much Does Auto Insurance Cost in Emporia, KS?
- State Minimum Liability: about $50 a month ($602 a year), 20% below the Kansas average.
- Full Coverage: about $210 a month ($2,519 a year), 6% below the Kansas average.
Filed-rate averages from Quadrant Information Services for one benchmark driver (single, 40, good credit, clean record, 2024 Toyota Camry LE) in Emporia ZIP code 66801. Methodology.
Cost data comes from insurers’ filed auto rates across the 1 Emporia ZIP code we price, compiled by Quadrant Information Services and updated as new rates are filed.
Which Company has the Cheapest Car Insurance in Emporia?
- Progressive has the lowest full-coverage average in Emporia at about $173 a month, but State Farm ($176), American Family ($180) and Farmers ($183) are all within $10.
- Farm Bureau Financial Services ($253) and Allstate ($296) are well above the rest for full coverage.
- State-minimum liability averages about $50 a month across the six insurers; the table has each company’s price.
The table shows prices for Emporia ZIP code 66801 and the 6 insurers in our Kansas data. Travelers and GEICO, at the end of the table, often come in lower still.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly |
|---|---|---|---|---|
| Progressive | $309 | $26 | $2,074 | $173 |
| State Farm | $448 | $37 | $2,112 | $176 |
| American Family | $689 | $57 | $2,154 | $180 |
| Farmers | $724 | $60 | $2,193 | $183 |
| Farm Bureau Financial Services | $449 | $37 | $3,032 | $253 |
| Allstate | $993 | $83 | $3,550 | $296 |
| Travelers* | $424 | $35 | $1,832 | $153 |
| GEICO* | $361 | $30 | $1,943 | $162 |
| Shelter* | $680 | $57 | $2,381 | $198 |
Emporia Compared With Other Kansas Cities
Emporia ranks near the middle of Kansas for full coverage (53rd of 74 cities in our data). Manhattan averages about $204 a month, Ottawa $219 and Topeka $208.
For minimum coverage, Emporia’s $50 a month is about $13 below the Kansas average and $23 below Wichita.
Upgrading from 50/100/50 to 100/300/100 liability costs about $4 a month more for our driver.
Nearby Kansas city guides: same driver, same coverage, filed rates as of August 31, 2026.
Every Kansas city we price is in the Kansas rates by city table, and you can compare states on our car insurance rates by state page.
How Much Car Insurance Do I Need in Kansas?
Kansas is a no-fault state, so its minimum coverage rules include personal injury protection on top of liability limits. If you’re shopping for the cheapest legal policy, here’s what Emporia drivers must carry (the Kansas Insurance Department has the full current rules):
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- 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
- Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident
Those limits are Kansas’s legal floor, not real protection against a serious crash on the Kansas Turnpike or US-50. Because minimum coverage is so cheap in Emporia, the jump to full coverage (about $160 a month more in our data) is mostly the cost of protecting your own car.
How to Save Money on Your Auto Policy
Emporia drivers already pay less than most Kansans. To go further:
- Quote all four close competitors: Progressive, State Farm, American Family and Farmers were within $10 a month of each other for full coverage in our data.
- Decide on coverage by car value: With minimum coverage this cheap, the real question is whether your car is worth insuring for collision and comprehensive.
- Keep comprehensive for hail season: Spring storms in the Flint Hills can damage a car in minutes.
- Ask about student discounts: Families with Emporia State students should ask about good-student and away-at-school discounts.
- Bundle home or farm coverage: Multi-policy discounts are widely available.
If you also own your home, compare current Kansas home insurance rates as well — bundling auto and home with the same carrier is one of the more reliable discounts available. You can also see how Emporia compares to other Kansas cities on our Kansas car insurance rates page.
Compare Car Insurance in Nearby Kansas Cities
- Car insurance in Manhattan, KS
- Car insurance in Dodge City, KS
- Car insurance in Wichita, KS
- Car insurance in Topeka, KS
See all Kansas car insurance rates.
Want to save even more? Bundling your car with Kansas home insurance rates usually earns a multi-policy discount, so price both together.
How We Calculated Emporia 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 66801, which covers Emporia.
- 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.
About $210 a month ($2,519 a year) for full coverage and $50 a month ($602 a year) for state-minimum coverage, for our benchmark 40-year-old driver in ZIP code 66801, based on filed rates as of August 31, 2026.
Every Kansas policy must include liability of at least $25,000 per person and $50,000 per accident for injuries and $25,000 for property damage, uninsured/underinsured motorist coverage at 25/50, and PIP that pays at least $4,500 per person for medical care plus lost-wage, rehabilitation and funeral benefits. Emporia has no local rules beyond the state’s.
Yes. Kansas is a no-fault state, so after a crash your own PIP coverage pays your medical bills and part of your lost income first, regardless of fault. You can step outside no-fault and sue for pain and suffering only if medical treatment reaches $2,000 or the injury is serious, such as a permanent injury or a fracture to a weight-bearing bone.
Progressive has the lowest full-coverage average in our data at about $173 a month, with State Farm ($176), American Family ($180) and Farmers ($183) close behind. Travelers and GEICO often beat these prices in Kansas, so compare a few quotes before you renew. Compare cities on our Kansas car insurance rates page.
Yes. At about $50 a month in our data, it’s 20% below the Kansas average of $63 and among the cheapest of the Kansas cities we cover.
Several insurers are priced closely, so get multiple quotes. Keep comprehensive if your car is newer or financed, since spring hail and wind are common in the Flint Hills.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
