Shawnee sits in the middle of Johnson County’s price range. Full coverage for our benchmark driver averages about $210 a month here, 5% below the Kansas average, and within a few dollars of neighboring Lenexa and Overland Park.
Minimum coverage tells a different story: at about $67 a month it runs 6% above the state average, a pattern we see across the Kansas City suburbs.
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 Shawnee, KS?
- State Minimum Liability: about $67 a month ($800 a year).
- Full Coverage: about $210 a month ($2,523 a year).
Based on filed rates compiled by Quadrant Information Services for a single 40-year-old driver with good credit, a clean record and a 2024 Toyota Camry LE, averaged across 5 Shawnee ZIP codes. How we calculated this.
Cost data comes from insurers’ filed auto rates across the 5 Shawnee ZIP codes we price, compiled by Quadrant Information Services and updated as new rates are filed.
Which Company has the Cheapest Car Insurance in Shawnee?
- Progressive has the lowest full-coverage average in Shawnee at about $169 a month ($2,026 a year), a clear $16 a month ahead of State Farm ($185).
- American Family is third at about $195 a month. Allstate is the most expensive at $265, about $96 a month more than Progressive.
- State-minimum liability averages $67 a month in Shawnee across the six insurers; see the table for each company’s price.
Every figure in this table comes from Shawnee’s own ZIP codes (66203, 66216, 66217, 66218 and 66226). It includes the 6 insurers in our Kansas data. Travelers and GEICO, listed at the end of the table, can be cheaper still.
| Insurance Provider: | State Minimum: | Monthly: | 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 |
| Travelers* | $558 | $47 | $1,874 | $156 |
| GEICO* | $476 | $40 | $1,988 | $166 |
| Shelter* | $895 | $75 | $2,435 | $203 |
Shawnee vs. Nearby Johnson County Cities
Johnson County pricing is remarkably flat. In our data, full coverage averages about $209 a month in Lenexa, $211 in Overland Park, $213 in Mission and $207 in De Soto, all within a few dollars of Shawnee’s $210.
The same is true inside Shawnee: 66216 has the lowest full-coverage average (about $205 a month) and 66203, the older part of town near Nieman Road, the highest (about $212).
Because location barely moves the price, the insurer you pick is the main lever. The spread between the cheapest and most expensive company here is $1,154 a year.
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
Minimum coverage won’t pay to repair your own car after a crash or a hailstorm. In Shawnee, stepping up from a minimum policy (about $67 a month) to full coverage (about $210) costs roughly $143 a month in our data.
How to Save Money on Your Auto Policy
With little difference between Shawnee neighborhoods, focus on the choices that do change your price:
- Start with the insurer: Progressive was $16 a month below the next-cheapest company for full coverage in our Shawnee data. That gap is worth checking against your current policy.
- Compare minimum and full coverage honestly: Minimum coverage costs more in Johnson County than in most of Kansas, so the savings from dropping to state minimum are smaller than you might expect.
- Bundle home and auto: Multi-policy discounts are widely offered in the Kansas City suburbs, where most drivers also insure a home.
- Raise your deductible if you have savings: Going from $500 to $1,000 on comprehensive and collision usually lowers the premium; just keep that amount set aside.
- Ask about low-mileage pricing: If you work from home or have a short commute, ask whether your insurer rates by annual mileage.
Shawnee full coverage runs about $210 a month ($2,523 a year) for a clean-record 40-year-old, and state-minimum liability about $67, based on filed rates in effect August 31, 2026. Progressive has the lowest full-coverage average in our Shawnee data at about $169 a month, and prices across Shawnee’s ZIP codes are within about $7 of each other.
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 Shawnee 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: 70 quotes (35 full coverage and 35 state minimum) from 7 insurance companies, grouped into 6 brands, in 5 Shawnee ZIP codes.
- 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 $210 a month ($2,523 a year) for full coverage and $67 a month ($800 a year) for state-minimum coverage, for our benchmark 40-year-old driver, based on insurers’ filed rates as of August 31, 2026.
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. Your own PIP coverage pays your medical bills and lost wages after a crash no matter who caused it. You can still sue the at-fault driver for pain and suffering if your medical treatment reaches $2,000 or you have a serious injury, such as a fracture to a weight-bearing bone or a permanent injury.
In our Shawnee data, Progressive has the lowest full-coverage average at about $169 a month, followed by State Farm at $185 and American Family at $195. Travelers and GEICO often undercut these prices in Kansas, so it pays to compare several quotes side by side. Compare statewide figures on our Kansas car insurance rates page.
Liability-only prices in the Kansas City suburbs run higher than in most of the state. In our data, minimum coverage in Shawnee averages about $67 a month, 6% above the Kansas average of $63, even though full coverage is 5% below the state average.
Location within Johnson County barely changes the price, so the biggest savings come from comparing insurers: up to $1,154 a year for the same driver and policy in our data. Keep comprehensive coverage if your car is newer or financed, since hail is a regular risk in the metro.
- About the Author
- Latest Posts
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.
