Cheapest Auto Insurance in Manhattan, Kansas (2025)

The average monthly cost of car insurance in Manhattan, Kansas, is $106, which is below the national average of $143. Home to Kansas State University, Manhattan is a highly walkable college town with a population of around 54,000, which could contribute to its lower auto insurance costs.

But insurance rates can vary substantially based on your driving history, age, and ZIP code. Manhattan drivers can find the lowest rates on auto insurance by comparing quotes from different insurers.

3 of the cheapest car insurance companies in Manhattan

Since auto insurance rates in Manhattan fall below the national average, there’s a good chance you can find affordable coverage. Here’s a look at three of the cheapest car insurance companies in Manhattan and which type of driver each company is best for.

Best insurer for safe drivers: Safeco

Best insurer for coverage options: Midvale Home & Auto

Best insurer for new policyholders: Dairyland

How to get the cheapest car insurance in Manhattan

Here are some steps you can take to find affordable car insurance rates in Manhattan:1

• Maintain a good driving record. The best way to get low insurance rates is by maintaining a good driving record. If you already have one or two violations on your record, you may be able to improve your rates by taking a defensive driving course.

• Raise your deductible. When you file an insurance claim, you’ll pay an out-of-pocket deductible before your insurance coverage kicks in. The higher your deductible, the lower your monthly premiums will be. Just make sure you can afford the deductible if you do get into an accident.

• Bundle your policies. Most insurance companies offer a discount for bundling multiple insurance products. For example, you can bundle your auto insurance with your life and home insurance.

• Consider lowering your coverage. If you own your car and it has a market value of less than $3,000, you can save money by switching to liability-only coverage.2

• Shop around. Get auto insurance quotes from at least three different insurers before selecting a policy. Comparing quotes will help you find the cheapest auto insurance rates for your situation.

Cheapest liability-only car insurance in Manhattan: CSAA

Liability-only insurance pays for damages to the other driver’s vehicle and any medical bills resulting from an accident you caused. But you’ll be responsible for paying for your own medical bills and for damages to your car. Liability-only car insurance in Manhattan costs an average of $74 per month.

Here’s a look at the cheapest options for liability insurance in Manhattan.

Cheapest full-coverage car insurance in Manhattan: State Farm

Full-coverage insurance pays for repairs and medical costs for you and the other driver, regardless of who was at fault for the accident. In Manhattan, full-coverage car insurance has an average monthly cost of $139.

Here are the cheapest insurers for full-coverage insurance.

Car insurance requirements in Kansas

Kansas law requires all drivers to carry liability, personal injury protection (PIP), and uninsured motorist coverage.

The following table outlines the minimum-coverage requirements Manhattan drivers need to meet:2

Kansas’ car insurance requirements are more robust than what many states mandate, but it still may not be enough coverage for you. You may want to consider the following optional coverages for more protection:

Cheapest car insurance for drivers with an incident

A driving incident includes any speeding tickets, DUIs, at-fault accidents, or other moving violations. If you have a history of driving incidents, your insurance company sees you as more risky to insure and you’ll pay higher rates for auto insurance.3

The following table outlines how different driving incidents can affect your liability car insurance rates.

Average cost of car insurance by age

Teen drivers pay the highest rates for car insurance due to their lack of experience behind the wheel. Drivers between the ages of 16 and 19 have a fatal crash rate nearly three times higher than drivers older than 20.4

Rates begin to decrease around age 35 but increase again for senior drivers starting at age 70. Here’s how much car insurance costs in Manhattan for different age groups.

Manhattan car insurance quotes by credit tier

Kansas is one of many states that allow insurers to consider credit scores when determining auto insurance rates. That’s because data shows that drivers with poor credit scores file more claims than drivers with excellent or good credit scores.5 

The chart below shows how much you might pay for car insurance based on your credit score.

Manhattan car insurance FAQs