For a 40-year-old driver with a clean record, car insurance in Manhattan, KS, averages about $204 a month ($2,452 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That puts it 8% under Kansas’ $222 monthly average. Among insurers anyone can buy from, Travelers has the lowest full-coverage average in our Manhattan table, about $139 a month, effectively tied with GEICO’s $143.
Manhattan, home of Kansas State University, costs about $18 a month less than the Kansas average for our benchmark driver, and Riley County, which our data covers through Manhattan’s two ZIP codes, is the third-least expensive of the 41 Kansas counties we price.
For auto insurance quotes in Manhattan, KS, your ZIP code makes a small difference: 66502, within a mile of downtown, averages about $202 a month for full coverage, and 66503, about four miles northwest of downtown, about $207.
Cost data comes from the auto rates insurers file with state regulators, priced across both Manhattan ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 10, 2026.
Auto insurance in Manhattan, KS, costs about $204 a month ($2,452 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $630 a year ($53 a month), and 50/100/50 liability with comprehensive and collision averages $2,395 ($200 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 $28 a month, followed by Farm Bureau Financial Services at $40.
Full-coverage averages by insurer in Manhattan
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): |
|---|---|---|---|---|
| Progressive | $335 | $28 | $1,957 | $163 |
| Farmers | $681 | $57 | $2,084 | $174 |
| State Farm | $523 | $44 | $2,170 | $181 |
| American Family | $796 | $66 | $2,358 | $197 |
| Farm Bureau Financial Services | $475 | $40 | $2,817 | $235 |
| Allstate | $971 | $81 | $3,329 | $277 |
| USAA (military families)* | $379 | $32 | $1,237 | $103 |
| Travelers* | $571 | $48 | $1,667 | $139 |
| GEICO* | $452 | $38 | $1,718 | $143 |
| Shelter Insurance* | $874 | $73 | $2,225 | $185 |
| Manhattan average | $630 | $53 | $2,452 | $204 |
This table uses Manhattan ZIP codes 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 Manhattan 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 Manhattan ZIP codes, their full-coverage average fell from $2,471 a year 10 months earlier to $2,277 in rates as of Sept. 30, 2026, a 7.9% drop. American Family cut its Manhattan average 26.1% and State Farm 8.8%, 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 Manhattan average above. Liability-only coverage at 25/50/10 limits rose 3.3%, led by Farmers, which raised its liability-only average 19.5%.
Wamego, about 14 miles east in Pottawatomie County, averages about $200 a month; Pottawatomie is the least expensive of the 41 Kansas counties we price. Junction City, about 18 miles southwest, averages $208, and the Fort Riley ZIP code, 66442, $213.
Liability-only coverage is cheap here too: Manhattan’s liability-only average at 25/50/10 limits, $630 a year (about $53 a month), is the second-lowest of the 19 Kansas cities we publish guides for, after Emporia ($602), with Junction City close behind at $634.
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.
Topeka, about 50 miles east, averages $208 a month across its 11 ZIP codes, and Emporia, about 58 miles south, $210. Lawrence, home of the University of Kansas, averages $201.
Drivers in Manhattan 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.
Auto insurance in Manhattan, KS, costs about $204 a month ($2,452 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 8% below the Kansas average of $222 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Manhattan table, at about $139 a month, effectively tied with GEICO at $143. USAA, which sells only to military families, is lower still, at about $103 a month. Among the six major insurers we compared, Progressive has the lowest full-coverage average, at about $163 a month, with Farmers close behind at $174. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among the six major insurers we compared, at about $28 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.
Manhattan, for our benchmark driver. Manhattan full coverage averages about $204 a month and Junction City about $208, a difference of about $4 a month for the same driver and car.
A little, for our benchmark driver: 66503 averages about $207 a month for full coverage, about $5 more than 66502 ($202), or $55 a year.
In our Manhattan data, full coverage (100/300/100 with $500 deductibles) averages about $204 a month and liability-only coverage at 25/50/10 limits about $53, a difference of about $151 a month ($1,822 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 Manhattan full-coverage average fell 7.9%, from about $2,471 to $2,277 a year. That’s lower than the Manhattan average of $2,452 because it leaves out Allstate. American Family cut its Manhattan average 26.1% and State Farm 8.8%, while Farmers raised its average 3.6%. Liability-only coverage at 25/50/10 limits rose 3.3%.
For our benchmark driver, full coverage in Manhattan averages about $204 a month. Nearby, Junction City averages about $208, Topeka about $208 and Emporia about $210. Manhattan is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
