For a 40-year-old driver with a clean record, car insurance in Emporia, KS, averages about $210 a month ($2,519 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% below the Kansas average of $222 a month. Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Emporia table, at about $145 a month, effectively tied with GEICO at $149.
Emporia, the Lyon County seat and home of Emporia State University, costs about $12 a month less than the Kansas average for our benchmark driver, about the same as Topeka, about 52 miles northeast.
Our data covers one ZIP code with an Emporia mailing address, 66801, so every price on this page is for it. The four lowest-priced car insurance companies in Emporia, KS, that we rank average within about $10 a month of each other for full coverage, from $173 to $183, the tightest spread of the 19 Kansas cities we publish guides for.
Cost data comes from the auto rates insurers file with state regulators, priced in Emporia’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Auto insurance in Emporia, KS, costs about $210 a month ($2,519 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $602 a year ($50 a month), and 50/100/50 liability with comprehensive and collision averages $2,466 ($206 a month).
The statewide Kansas rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the nine, all five published in 2026, put it first, apart from USAA, which sells only to military families. Two of the others put GEICO first, one State Farm and one Nationwide. For liability-only coverage at 25/50/10 limits, averages among these six insurers run from about $26 to $83 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Emporia
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | 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 |
| USAA (military families)* | $373 | $31 | $1,288 | $107 |
| Travelers* | $562 | $47 | $1,735 | $145 |
| GEICO* | $446 | $37 | $1,788 | $149 |
| Shelter Insurance* | $861 | $72 | $2,316 | $193 |
| Emporia average | $602 | $50 | $2,519 | $210 |
This table uses Emporia’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $53 a year on average in our Emporia data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for full coverage, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Emporia ZIP code, their full-coverage average fell from $2,527 a year nine months earlier to $2,313 in rates as of Aug. 31, 2026, an 8.5% drop. American Family cut its Emporia average 30.2% and State Farm 9.2%, while Farmers raised its average 3.5%; Farm Bureau Financial Services’ and Progressive’s averages were unchanged. Allstate is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Emporia average above. Liability-only coverage at 25/50/10 limits rose 1.7%, led by Farmers, which raised its liability-only average 18.3%.
Lyon County, which our data covers through Emporia’s ZIP code, averages about $210 a month for full coverage, below the Kansas average. Ottawa, about 52 miles east, averages $219, and El Dorado, about 55 miles southwest, $226.
Liability-only coverage costs less here than in any other Kansas city we publish a guide for: Emporia’s liability-only average is about $50 a month at 25/50/10 limits, and Progressive’s about $26.
More Kansas cities and towns are in the Kansas rates by city table, and you can compare states on our car insurance rates by state page.
Wichita, about 80 miles southwest, averages $241 a month, and Junction City, about 55 miles northwest, $208. Lawrence, about 65 miles northeast, averages $201.
Drivers in Emporia follow Kansas’ rules. Every Kansas policy must include at least:
Our guide to Kansas car insurance requirements covers the no-fault rules, proof of insurance and the penalties for driving uninsured.
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Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Kansas law and the Kansas Department of Insurance. We refresh these figures when new rate data is released.
Auto insurance in Emporia, KS, costs about $210 a month ($2,519 a year) for full coverage and $50 a month for liability only at 25/50/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% below the Kansas average of $222 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Emporia table, at about $145 a month, effectively tied with GEICO at $149. USAA, which sells only to military families, is lower still, at about $107 a month. Among the six major insurers we compared, Progressive and State Farm are effectively tied for the lowest full-coverage average, at about $173 and $176 a month. For liability-only coverage at 25/50/10 limits, averages among the six major insurers we compared run from about $26 to $83 a month. Five of the nine statewide Kansas rate studies we reviewed, all five published in 2026, rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Emporia, for our benchmark driver. Emporia full coverage averages about $210 a month and Wichita about $241, a difference of about $31 a month for the same driver and car.
Among the six major insurers we compared in Emporia, the lowest and highest full-coverage averages are about $123 a month apart for the same driver and car: Progressive at about $173 and Allstate at about $296. Your own savings depend on your car, record and coverage.
In our Emporia data, full coverage (100/300/100 with $500 deductibles) averages about $210 a month and liability-only coverage at 25/50/10 limits about $50, a difference of about $160 a month ($1,917 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Kansas law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past nine months), their Emporia full-coverage average fell 8.5%, from about $2,527 to $2,313 a year. That’s lower than the Emporia average of $2,519 because it leaves out Allstate. American Family cut its Emporia average 30.2% and State Farm 9.2%, while Farmers raised its average 3.5%. Liability-only coverage at 25/50/10 limits rose 1.7%.
For our benchmark driver, full coverage in Emporia averages about $210 a month. Nearby, Topeka averages about $208, Junction City about $208 and Manhattan about $204. Topeka, Junction City and Manhattan are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
