How to Find Cheap Manhattan Auto Insurance Quotes
For an experienced driver, Manhattan is one of the cheaper places in Kansas to insure a car. Our benchmark 40-year-old pays about $204 a month for full coverage here, 8% below the state average, and about $53 a month for minimum coverage, 16% below it.
Manhattan’s driver population is anything but average, though. Kansas State University students and Fort Riley personnel make up a large share of local drivers, and younger drivers typically pay far more than the benchmark figures on this page.
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 Manhattan, KS?
- State Minimum Liability: about $53 a month ($630 a year), 16% below the Kansas average.
- Full Coverage: about $204 a month ($2,452 a year), 8% below the Kansas average.
Manhattan averages are from filed rates compiled by Quadrant Information Services for one benchmark driver (single, 40, good credit, clean record, 2024 Toyota Camry LE) in ZIP codes 66502 and 66503. Methodology.
Cost data comes from insurers’ filed auto rates across the 2 Manhattan ZIP codes we price, compiled by Quadrant Information Services and updated as new rates are filed.
Which Company Has the Cheapest Car Insurance in Kansas? (Statewide)
- In our statewide Kansas data, the cheapest full coverage comes from Progressive at about $184 a month ($2,202 a year), with State Farm and American Family close behind at $193 and $201.
- Progressive is the statewide leader for minimum coverage as well, at about $34 a month ($413 a year).
- Across Manhattan’s two ZIP codes, the six insurers average about $204 a month for full coverage and $53 for minimum coverage.
Because our Manhattan sample is two ZIP codes, the table shows statewide prices by insurer across 135 Kansas ZIP codes. Travelers and GEICO, the last rows of the table, often price below these statewide averages.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly |
|---|---|---|---|---|
| Progressive | $413 | $34 | $2,202 | $184 |
| State Farm | $619 | $52 | $2,310 | $193 |
| American Family | $901 | $75 | $2,417 | $201 |
| Farmers | $862 | $72 | $2,497 | $208 |
| Farm Bureau Financial Services | $582 | $49 | $3,071 | $256 |
| Allstate | $1,134 | $95 | $3,497 | $291 |
| Travelers* | $526 | $44 | $1,959 | $163 |
| GEICO* | $449 | $37 | $2,078 | $173 |
| Shelter* | $845 | $70 | $2,546 | $212 |
Manhattan vs. Junction City and Fort Riley
Full coverage averages about $204 a month in Manhattan, $208 in Junction City and $213 on post at Fort Riley in our data. Wamego, 15 miles east, is a little cheaper at about $200.
The two Manhattan ZIP codes we sampled are close: about $202 a month in 66502 and $207 in 66503.
Higher liability limits cost little here: 100/300/100 is only about $4 a month more than 50/100/50 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?
Every vehicle registered in Manhattan has to carry at least Kansas’s legal minimum liability coverage. The Kansas Department of Insurance sets that floor at:
- $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
Meeting the minimum keeps you legal, but it won’t pay for your own car after a collision on K-18 or hail damage during a Flint Hills storm. With higher limits costing only a few dollars more here, most drivers are better served by more than the minimum.
How to Save Money on Your Auto Policy
Tips for Manhattan drivers, including K-State families and Fort Riley personnel:
- Keep students on the family policy: Adding a student driver to a parent’s policy is usually cheaper than a stand-alone policy.
- Ask for good-student and away-at-school discounts: Many insurers reward a B average and lower rates for students who leave the car at home.
- Quote USAA if you’re military: USAA isn’t in our data but is available to service members, veterans and their families.
- Compare several insurers: Statewide, companies differ by more than $100 a month for the same full-coverage policy in our data.
- Carry more than the minimum: Stronger liability limits cost only about $4 a month more for our Manhattan driver.
Compare Car Insurance in Nearby Kansas Cities
- Car insurance in Emporia, KS
- Car insurance in Dodge City, KS
- Car insurance in Wichita, KS
- Car insurance in Overland Park, KS
See all Kansas car insurance rates.
For an experienced 40-year-old driver, Manhattan car insurance averages about $204 a month ($2,452 a year) for full coverage and $53 for state minimum, based on insurers’ filed rates as of August 31, 2026. That is 8% below the Kansas average; students and younger drivers usually pay more.
It’s worth comparing more than just your auto policy while you’re at it — if you’re also shopping for home insurance in Kansas, you can compare current Kansas home insurance rates here.
Want to save even more? Bundling your car with Kansas home insurance rates usually earns a multi-policy discount, so price both together.
How We Calculated Manhattan 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: 28 quotes (14 full coverage and 14 state minimum) from 7 insurance companies, grouped into 6 brands, in 2 Manhattan ZIP codes (66502 and 66503).
- 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 $204 a month ($2,452 a year) for full coverage and $53 a month ($630 a year) for state-minimum coverage, for our benchmark 40-year-old driver, based on filed rates as of August 31, 2026 in ZIP codes 66502 and 66503.
Kansas requires 25/50/25 liability ($25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage), personal injury protection with at least $4,500 per person in medical benefits, and uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident. Driving uninsured can lead to fines and suspension of your license and registration.
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.
We rank insurers statewide for Manhattan because our sample is two ZIP codes. Statewide, Progressive has the lowest full-coverage average at about $184 a month, with State Farm ($193) and American Family ($201) close behind. USAA, popular with Fort Riley families, can be cheaper still, as can Travelers and GEICO. See our Kansas car insurance rates page.
More than the benchmark on this page, which is for a 40-year-old driver. Age and experience are among the biggest rating factors, so a student’s premium depends heavily on age, driving record and whether they stay on a parent’s policy.
For experienced drivers, Manhattan is below the Kansas average, and higher liability limits are cheap here. Students and military families have specific discounts and insurers worth checking, so compare several quotes.
- 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.
