For a 40-year-old driver with a clean record, car insurance in Hutchinson, KS, averages about $218 a month ($2,617 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Kansas average of $222 a month. Among insurers anyone can buy from, Travelers has the lowest full-coverage average in our Hutchinson table, about $149 a month, effectively tied with GEICO’s $154.
Hutchinson, the Reno County seat, is priced close to the Kansas average for our benchmark driver and about $23 a month below Wichita, about 42 miles southeast.
Our data covers two ZIP codes with a Hutchinson mailing address, and they’re about $12 a month apart: 67501 averages about $224 for full coverage and 67502, to its north, about $212. Check yours before you compare car insurance quotes in Hutchinson, KS.
Cost data comes from the auto rates insurers file with state regulators, priced across both Hutchinson ZIP codes in our data, 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 Hutchinson, KS, costs about $218 a month ($2,617 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $698 a year ($58 a month), and 50/100/50 liability with comprehensive and collision averages $2,548 ($212 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, Progressive has the lowest average among these six insurers, at about $32 a month, followed by Farm Bureau Financial Services at $44.
Full-coverage averages by insurer in Hutchinson
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): |
|---|---|---|---|---|
| Farmers | $685 | $57 | $2,070 | $173 |
| State Farm | $633 | $53 | $2,256 | $188 |
| Progressive | $382 | $32 | $2,282 | $190 |
| American Family | $854 | $71 | $2,373 | $198 |
| Farm Bureau Financial Services | $528 | $44 | $3,080 | $257 |
| Allstate | $1,105 | $92 | $3,641 | $303 |
| USAA (military families)* | $423 | $35 | $1,329 | $111 |
| Travelers* | $638 | $53 | $1,791 | $149 |
| GEICO* | $505 | $42 | $1,846 | $154 |
| Shelter Insurance* | $976 | $81 | $2,391 | $199 |
| Hutchinson average | $698 | $58 | $2,617 | $218 |
This table uses Hutchinson ZIP codes 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 about $69 a year on average in our Hutchinson data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also 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.
For our benchmark driver, full coverage isn’t going up. Comparing the five insurers that are in both sets of rates, in the same Hutchinson ZIP codes, their full-coverage average fell from $2,609 a year nine months earlier to $2,412 in rates as of Aug. 31, 2026, a 7.6% drop. American Family cut its Hutchinson average 26.4% and State Farm 8.2%, while Farmers raised its average 3.6%; 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 Hutchinson average above. Liability-only coverage at 25/50/10 limits rose 2.3%, led by Farmers, which raised its liability-only average 18.5%.
Reno County, which our data covers through Hutchinson’s two ZIP codes, averages about $218 a month for full coverage. McPherson, about 25 miles northeast, averages $212, and Newton, about 32 miles east, $210, while Great Bend, about 50 miles northwest, averages $238.
Progressive, which has the lowest liability-only average here, at about $32 a month, is only third among these six insurers for full coverage, behind Farmers and State Farm.
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.
Derby, about 50 miles southeast, averages $220 a month, and Emporia, about 98 miles east, $210. Dodge City, about 115 miles west, averages $264.
Drivers in Hutchinson 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.
Ready to compare
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 Hutchinson, KS, costs about $218 a month ($2,617 a year) for full coverage and $58 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 close to the Kansas average of $222 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Hutchinson table, at about $149 a month, effectively tied with GEICO at $154. USAA, which sells only to military families, is lower still, at about $111 a month. Among the six major insurers we compared, Farmers has the lowest full-coverage average, at about $173 a month, with State Farm close behind at $188. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among the six major insurers we compared, at about $32 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.
Hutchinson, for our benchmark driver. Hutchinson full coverage averages about $218 a month and Wichita about $241, a difference of about $23 a month for the same driver and car.
67502, for our benchmark driver: it averages about $212 a month for full coverage, about $12 less than 67501 ($224), or $146 a year.
In our Hutchinson data, full coverage (100/300/100 with $500 deductibles) averages about $218 a month and liability-only coverage at 25/50/10 limits about $58, a difference of about $160 a month ($1,919 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 Hutchinson full-coverage average fell 7.6%, from about $2,609 to $2,412 a year. That’s lower than the Hutchinson average of $2,617 because it leaves out Allstate. American Family cut its Hutchinson average 26.4% and State Farm 8.2%, while Farmers raised its average 3.6%. Liability-only coverage at 25/50/10 limits rose 2.3%.
For our benchmark driver, full coverage in Hutchinson averages about $218 a month. Nearby, Wichita averages about $241, Derby about $220 and Junction City about $208. Junction City is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
