For a 40-year-old driver with a clean record, car insurance in Junction City, KS, averages about $208 a month ($2,495 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That puts it 6% under Kansas’ $222 monthly average. Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Junction City table, at about $139 a month.
Junction City, the Geary County seat next to Fort Riley, costs about $14 a month less than the Kansas average for our benchmark driver. The Fort Riley ZIP code, 66442, the only other Geary County ZIP code we price, averages about $213 a month, about $5 more than Junction City.
Our data covers one ZIP code with a Junction City mailing address, 66441, so every price on this page is for it. Among the six major insurers we compared (Allstate, American Family, Farm Bureau Financial Services, Farmers, Progressive and State Farm), three are effectively tied for the lowest full-coverage average: Farmers, Progressive and State Farm, at about $171 to $175 a month.
Cost data comes from the auto rates insurers file with state regulators, priced in Junction City’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 10, 2026.
Car insurance in Junction City, KS, costs about $208 a month ($2,495 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $634 a year ($53 a month), and 50/100/50 liability with comprehensive and collision averages $2,438 ($203 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 $28 to $81 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 Junction City
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 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 | $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 |
| USAA (military families)* | $372 | $31 | $1,240 | $103 |
| Travelers* | $560 | $47 | $1,671 | $139 |
| GEICO* | $444 | $37 | $1,723 | $144 |
| Shelter Insurance* | $858 | $72 | $2,231 | $186 |
| Junction City average | $634 | $53 | $2,495 | $208 |
This table uses Junction City’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $57 a year on average in our Junction City 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.
For our benchmark driver, full coverage isn’t going up. Comparing the five insurers that are in both sets of rates, in the same Junction City ZIP code, their full-coverage average fell from $2,568 a year 10 months earlier to $2,328 in rates as of Sept. 30, 2026, a 9.3% drop. American Family cut its Junction City average 30.3% and State Farm 9.0%, 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 10 months, so it’s left out, which is why these averages differ from the Junction City average above. Liability-only coverage at 25/50/10 limits rose 2.5%, led by Farmers, which raised its liability-only average 19.6%.
Geary County averages about $211 a month for full coverage, below the Kansas average. Abilene, about 22 miles west in Dickinson County, averages $217, and Salina, about 45 miles west, $207.
Farmers’ average is about $2 a month below Progressive’s here, close enough to count as a tie. Progressive has the lowest average among these six insurers in 14 of the 19 Kansas cities we publish guides for.
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.
Manhattan, about 18 miles northeast, averages $204 a month, and Emporia, about 55 miles southeast, $210. Topeka, about 62 miles east, averages $208.
Drivers in Junction City 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 Sept. 30, 2026.
Coverage requirements come from Kansas law and the Kansas Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Junction City, KS, costs about $208 a month ($2,495 a year) for full coverage and $53 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 Sept. 30, 2026. That’s 6% below the Kansas average of $222 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Junction City table, at about $139 a month, followed by GEICO at $144. USAA, which sells only to military families, is lower still, at about $103 a month. Among the six major insurers we compared, Farmers, Progressive and State Farm are effectively tied for the lowest full-coverage average, at about $171 to $175 a month. For liability-only coverage at 25/50/10 limits, averages among the six major insurers we compared run from about $28 to $81 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.
Junction City, by a little, for our benchmark driver: Junction City’s ZIP code, 66441, averages about $208 a month for full coverage and the Fort Riley ZIP code, 66442, about $213, a difference of about $5 a month.
Manhattan, for our benchmark driver. Junction City full coverage averages about $208 a month and Manhattan about $204, a difference of about $4 a month for the same driver and car.
In our Junction City data, full coverage (100/300/100 with $500 deductibles) averages about $208 a month and liability-only coverage at 25/50/10 limits about $53, a difference of about $155 a month ($1,861 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 10 months), their Junction City full-coverage average fell 9.3%, from about $2,568 to $2,328 a year. That’s lower than the Junction City average of $2,495 because it leaves out Allstate. American Family cut its Junction City average 30.3% and State Farm 9.0%, while Farmers raised its average 3.6%. Liability-only coverage at 25/50/10 limits rose 2.5%.
For our benchmark driver, full coverage in Junction City averages about $208 a month. Nearby, Manhattan averages about $204, Emporia about $210 and Topeka about $208. Manhattan and Topeka are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
