How to Find Cheap Junction City Auto Insurance Quotes
In Junction City, three insurers are practically tied for the cheapest full coverage. For our benchmark driver, Farmers, Progressive and State Farm all land between about $171 and $175 a month, so your own driving record and discounts will decide which one wins for you.
The city overall averages about $208 a month for full coverage, 6% below the Kansas average, and state-minimum coverage is notably cheap at about $53 a month.
Updated September 24, 2026, with insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services.
Moving to or from Fort Riley? Check Kansas home insurance rates as well — bundling auto and home usually trims both premiums.
How Much Does Auto Insurance Cost in Junction City, KS?
- State Minimum Liability: about $53 a month ($634 a year), 16% below the Kansas average.
- Full Coverage: about $208 a month ($2,495 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 Junction City ZIP code 66441. Methodology.
Cost data comes from insurers’ filed auto rates across the 1 Junction 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 Junction City?
- Farmers ($171 a month), Progressive ($173) and State Farm ($175) are effectively tied for the lowest full-coverage average in our Junction City data, all within $4 a month.
- American Family is next at $205. Allstate is the most expensive at $277 a month, $106 more than Farmers.
- State-minimum liability averages about $53 a month across the six insurers; see the table for each company.
These prices are for Junction City ZIP code 66441 and the 6 insurers in our Kansas data. USAA, which serves many Fort Riley families, can be cheaper still, and so can Travelers and GEICO. You can compare quotes from these and other insurers in one place on InsuranceQuotes.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly |
|---|---|---|---|---|
| Farmers | $672 | $56 | $2,049 | $171 |
| Progressive | $336 | $28 | $2,081 | $173 |
| State Farm | $485 | $40 | $2,105 | $175 |
| American Family | $849 | $71 | $2,457 | $205 |
| Farm Bureau Financial Services | $492 | $41 | $2,949 | $246 |
| Allstate | $971 | $81 | $3,329 | $277 |
| Travelers* | $444 | $37 | $1,822 | $152 |
| GEICO* | $379 | $32 | $1,933 | $161 |
| Shelter* | $712 | $59 | $2,369 | $197 |
Junction City, Fort Riley and Manhattan Compared
On post at Fort Riley (ZIP 66442), full coverage averages about $213 a month in our data, slightly more than Junction City. Manhattan, 20 miles east, averages about $204, and Abilene about $217.
Minimum coverage is where Junction City stands out: about $53 a month, 16% below the Kansas average.
Stepping up from 50/100/50 to 100/300/100 liability costs about $5 a month more here.
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?
Though you may need higher coverage, here are the minimum car insurance requirements in Kansas if you are looking for state minimum liability coverage you’ll need:
- $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
Minimum coverage is inexpensive in Junction City, but it pays only for damage you cause to others. Full coverage costs about $155 a month more in our data, and lenders require it on financed cars.
How to Save Money on Your Auto Policy
For Junction City drivers, including military families at Fort Riley:
- Quote all three leaders: Farmers, Progressive and State Farm were within $4 a month of each other in our data.
- Add USAA if you’re eligible: Active-duty members, veterans and their families should compare USAA with the insurers in the table.
- Plan ahead for a PCS move: Rates change when you move states. Get a quote for your new location before you go, and cancel only after the new policy starts.
- Store a car during deployment the right way: Ask about keeping comprehensive-only coverage on a car you won’t drive, rather than dropping insurance entirely.
- Re-shop at renewal: The gap between the cheapest and most expensive insurer here is $1,280 a year.
Junction City (ZIP 66441) averages about $208 a month ($2,495 a year) for full coverage and $53 for state-minimum liability for a 40-year-old with a clean record, based on insurers’ filed rates as of August 31, 2026. Farmers, Progressive and State Farm are effectively tied for the lowest full-coverage average in our data, at about $171 to $175 a month.
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 Junction 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 66441, which covers Junction 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.
About $208 a month ($2,495 a year) for full coverage and $53 a month ($634 a year) for state-minimum coverage, for our benchmark 40-year-old driver in ZIP code 66441, based on insurers’ 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. Junction City has no local rules beyond the state’s.
Each driver’s own personal injury protection pays their medical and wage losses up to the policy limits, whoever caused the crash. Lawsuits for pain and suffering are allowed only once medical bills reach $2,000 or for serious injuries like a permanent injury or a fracture to a weight-bearing bone. Property damage is still handled through the at-fault driver’s liability coverage.
Farmers ($171 a month), Progressive ($173) and State Farm ($175) are effectively tied for the lowest full-coverage average in our data. Military families should also check USAA, and Travelers and GEICO often come in lower still. Compare cities on our Kansas car insurance rates page.
Junction City is slightly cheaper in our data: about $208 a month for full coverage versus about $213 for ZIP code 66442 on post.
Keep your coverage continuous through moves and deployments, since a gap can raise future rates. Compare USAA with civilian insurers, and ask about storage coverage for a car you won’t drive while deployed.
- 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.
