For a 40-year-old driver with a clean record, car insurance in Shawnee, KS, averages about $210 a month ($2,523 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That puts it 5% under Kansas’ $222 monthly average. Among insurers anyone can buy from, Travelers has the lowest full-coverage average in our Shawnee table, about $146 a month, effectively tied with GEICO’s $150.
Shawnee, in northern Johnson County, costs about $12 a month less than the Kansas average for our benchmark driver and about $46 a month less than Kansas City, Kansas, its neighbor to the northeast.
To compare car insurance quotes in Shawnee, KS, start with your ZIP code: our data covers five ZIP codes with a Shawnee mailing address, from about $205 a month in 66216 to $212 in 66203 and 66217. Census Bureau maps show that some Shawnee addresses are in 66227, a Lenexa ZIP code priced on our Lenexa page, and that 66216, 66217 and 66218 also reach into Lenexa.
Cost data comes from the auto rates insurers file with state regulators, priced across all five Shawnee 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 Shawnee, KS, costs about $210 a month ($2,523 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $800 a year ($67 a month), and 50/100/50 liability with comprehensive and collision averages $2,441 ($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 $35 to $96 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 Shawnee
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 | $420 | $35 | $2,026 | $169 |
| State Farm | $676 | $56 | $2,215 | $185 |
| American Family | $951 | $79 | $2,344 | $195 |
| Farmers | $966 | $81 | $2,595 | $216 |
| Farm Bureau Financial Services | $638 | $53 | $2,777 | $231 |
| Allstate | $1,150 | $96 | $3,180 | $265 |
| USAA (military families)* | $485 | $40 | $1,299 | $108 |
| Travelers* | $730 | $61 | $1,750 | $146 |
| GEICO* | $579 | $48 | $1,804 | $150 |
| Shelter Insurance* | $1,118 | $93 | $2,336 | $195 |
| Shawnee average | $800 | $67 | $2,523 | $210 |
This table uses Shawnee ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the five Shawnee ZIP codes we price, full coverage for our driver ranges from about $205 a month in 66216 to $212 in 66203 and 66217, a gap of $91 a year. 66216, about a mile and a half southwest of downtown Shawnee, is the least expensive Shawnee ZIP code in our data; the other four sit within about $1 a month of each other.
Lowest-priced Shawnee ZIP code
Highest-priced Shawnee ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Shawnee’s average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 66203 | $829 | $69 | $2,549 | $212 | +1% |
| 66216 | $822 | $69 | $2,458 | $205 | -2% |
| 66217 | $802 | $67 | $2,546 | $212 | +1% |
| 66218 | $787 | $66 | $2,531 | $211 | About average |
| 66226 | $762 | $64 | $2,531 | $211 | About average |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $82 a year on average in our Shawnee data, with the same $500 deductibles. That’s about $7 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
For our benchmark driver, full coverage isn’t going up. Comparing the five insurers that are in both sets of rates, in the same Shawnee ZIP codes, their full-coverage average fell from $2,586 a year 10 months earlier to $2,391 in rates as of Sept. 30, 2026, a 7.5% drop. American Family cut its Shawnee average 28.2% and State Farm 7.9%, while Farmers raised its average 5.6%; 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 Shawnee average above. Liability-only coverage at 25/50/10 limits rose 3.7%, led by Farmers, which raised its liability-only average 20.6%.
Shawnee is in Johnson County, which averages about $209 a month for full coverage across the 30 ZIP codes we price there. All 11 Johnson County cities and towns in our data cost less than the Kansas average, from Gardner at $199 to Mission at $213.
Prices climb across the county line to the north: Kansas City, Kansas, in Wyandotte County, averages about $256 a month, while Lenexa, to the south, averages $209, about the same as Shawnee.
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.
Overland Park, about four miles southeast, averages $211 a month, and Mission, about three miles east, $213. To the west, Bonner Springs, about nine miles away in Wyandotte County, averages $208, and De Soto, about 14 miles away, $207.
Drivers in Shawnee 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 Shawnee, KS, costs about $210 a month ($2,523 a year) for full coverage and $67 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 5% below the Kansas average of $222 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Shawnee table, at about $146 a month, effectively tied with GEICO at $150. USAA, which sells only to military families, is lower still, at about $108 a month. Among the six major insurers we compared, Progressive has the lowest full-coverage average, at about $169 a month, with State Farm close behind at $185. For liability-only coverage at 25/50/10 limits, averages among the six major insurers we compared run from about $35 to $96 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.
Shawnee, for our benchmark driver. Shawnee full coverage averages about $210 a month and Kansas City, Kansas, about $256, a difference of about $46 a month for the same driver and car.
In our data, 66216 has the lowest full-coverage average in Shawnee, at about $205 a month, and 66203 and 66217 the highest, at about $212. The ZIP code table on this page lists all five.
In our Shawnee data, full coverage (100/300/100 with $500 deductibles) averages about $210 a month and liability-only coverage at 25/50/10 limits about $67, a difference of about $143 a month ($1,723 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 Shawnee full-coverage average fell 7.5%, from about $2,586 to $2,391 a year. That’s lower than the Shawnee average of $2,523 because it leaves out Allstate. American Family cut its Shawnee average 28.2% and State Farm 7.9%, while Farmers raised its average 5.6%. Liability-only coverage at 25/50/10 limits rose 3.7%.
For our benchmark driver, full coverage in Shawnee averages about $210 a month. Nearby, Overland Park averages about $211, Prairie Village about $212 and Lenexa about $209. Lenexa is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
