How to Find Cheap Leavenworth Auto Insurance Quotes
Leavenworth drivers pay close to the Kansas average for car insurance: about $218 a month for full coverage for our benchmark driver, 2% below the state figure. That’s about $38 a month less than in Kansas City, Kansas, 25 miles down the road.
Many Leavenworth households are connected to Fort Leavenworth, and military families have an extra option in USAA. USAA isn’t in our Kansas filed-rate data, so the comparison below covers the six civilian insurers we track, and eligible drivers should add a USAA quote.
Updated September 24, 2026, with insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services.
How Much Does Auto Insurance Cost in Leavenworth, KS?
- State Minimum Liability: about $61 a month ($737 a year).
- Full Coverage: about $218 a month ($2,611 a year).
Filed rates compiled by Quadrant Information Services for one benchmark driver (single, 40, good credit, clean record, 2024 Toyota Camry LE) in Leavenworth ZIP code 66048. Methodology.
Cost data comes from insurers’ filed auto rates across the 1 Leavenworth ZIP code we price, compiled by Quadrant Information Services and updated as new rates are filed.
Which Company has the Cheapest Car Insurance in Leavenworth?
- Progressive has the lowest full-coverage average in Leavenworth at about $182 a month ($2,187 a year), with Farmers ($191) and State Farm ($199) within 10%.
- American Family is close behind at $203 a month. Allstate is the most expensive at $283, about $101 a month more than Progressive.
- State-minimum liability averages $61 a month across the six insurers; each company’s price is in the table.
These prices are for Leavenworth ZIP code 66048. The table includes the 6 insurers in our Kansas data. USAA, which serves many Fort Leavenworth families, can be cheaper still, as 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 |
|---|---|---|---|---|
| Progressive | $432 | $36 | $2,187 | $182 |
| Farmers | $768 | $64 | $2,296 | $191 |
| State Farm | $619 | $52 | $2,385 | $199 |
| American Family | $854 | $71 | $2,436 | $203 |
| Farm Bureau Financial Services | $639 | $53 | $2,962 | $247 |
| Allstate | $1,109 | $92 | $3,398 | $283 |
| Travelers* | $507 | $42 | $1,926 | $161 |
| GEICO* | $432 | $36 | $2,043 | $170 |
| Shelter* | $813 | $68 | $2,503 | $209 |
Leavenworth vs. Nearby Towns
Leavenworth County prices cluster tightly in our data. Full coverage averages about $213 a month in Lansing, $209 in both Basehor and Tonganoxie, and $218 on post at Fort Leavenworth, the same as the city.
Minimum coverage here averages about $61 a month, slightly below the Kansas average of $63.
Raising liability from 50/100/50 to 100/300/100 adds about $7 a month 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?
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
Those limits are the legal floor. A serious crash on K-7 or US-73 can easily exceed $25,000 in damage, so most drivers with a newer or financed car carry higher limits plus comprehensive and collision coverage.
How to Save Money on Your Auto Policy
Ways Leavenworth drivers can pay less:
- Get a USAA quote if you’re eligible: Active-duty members, veterans and their families can compare USAA against the insurers in the table above.
- Compare the top three: Progressive, Farmers and State Farm were within about $17 a month of each other in our data.
- Tell your insurer about deployments: If a car will sit unused during a deployment or PCS move, ask about reducing coverage while it’s stored.
- Factor in the commute: Long daily drives into Kansas City add mileage, which some insurers price in. Report accurate mileage to get an accurate rate.
- Bundle and review yearly: Multi-policy discounts and an annual re-shop are two of the easiest savings.
In Leavenworth (ZIP 66048), full coverage for a clean-record 40-year-old costs about $218 a month ($2,611 a year) and state minimum about $61, according to insurers’ filed rates as of August 31, 2026. Progressive has the lowest full-coverage average in our Leavenworth data at about $182 a month; USAA, available to military families, isn’t in our data.
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 Leavenworth 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 66048, which covers the city of Leavenworth.
- 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 $218 a month ($2,611 a year) for full coverage and $61 a month ($737 a year) for state-minimum coverage, for our benchmark 40-year-old driver in ZIP code 66048, 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. Leavenworth 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.
Among the 6 insurers in our Kansas data, Progressive has the lowest full-coverage average in Leavenworth at about $182 a month, with Farmers at $191 and State Farm at $199. Military families should also check USAA, and Travelers and GEICO often price lower still in Kansas. Compare cities on our Kansas car insurance rates page.
Not the base price in our data: full coverage on post (ZIP 66027) averages about $218 a month, the same as the city. The bigger effect is eligibility. Many Leavenworth drivers can buy from USAA, which isn’t in our data, so compare its quote with the insurers here.
Leavenworth costs about 15% less to insure than Kansas City, Kansas, in our data. Keep comprehensive for hail and storm damage if your car is newer or financed, and let your insurer know about deployments or long commutes.
Fort Leavenworth and USAA: Car Insurance for Military Families in Leavenworth
Fort Leavenworth, home of the Army’s Command and General Staff College, gives Leavenworth one of the largest military communities in Kansas. Active-duty members, veterans and their families can buy from USAA, which isn’t in our Kansas filed-rate data, so we can’t say how its price compares. If you’re eligible, get a USAA quote alongside the insurers in the table. USAA also offers storage and deployment options that are worth asking about.
Kansas Tornado and Hail Risk: Why Comprehensive Coverage Matters in Leavenworth
Hail, wind and tornado damage to your own car is covered only by comprehensive insurance, which is included in the full-coverage prices on this page. In our Leavenworth data, full coverage costs about $157 a month more than a minimum policy (about $218 versus $61). If your car is newer or financed, dropping comprehensive to save money leaves you paying for storm damage yourself.
Leavenworth vs. Kansas City Metro: Car Insurance Rate Comparison
Leavenworth is part of the Kansas City metro, about 25 miles northwest of downtown Kansas City, Kansas. In our data, full coverage averages about $218 a month in Leavenworth versus $256 in Kansas City, Kansas, roughly 15% less for the same driver. Commuters who drive into the metro every day should give their insurer an accurate annual mileage, since it can affect the price.
- 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.
