Cheapest Car Insurance In Shawnee, KS 2026
Root is the most affordable choice in Shawnee, offering minimum coverage car insurance at an average rate of $68 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Drivers in Shawnee, Kansas, can currently find the cheapest car insurance through providers like Root and USAA. On average, minimum liability coverage in the city costs between $66 and $86 per month, while full coverage policies typically start around $118 monthly.
Your exact premium will fluctuate based on standard rating factors like your age, exact ZIP code, and driving record. While minimum coverage satisfies Kansas laws, purchasing higher liability limits provides stronger financial security against costly accidents on local roadways.
What’s Changed In 2026?
- Local premiums are currently rising due to increased severe weather events across the Kansas City metro area.
- Kansas regulators have recently approved several baseline rate increases for major carriers operating in Johnson County.
- Shawnee residents seeking minimum coverage are currently encountering stricter underwriting guidelines from regional insurers.
Cheapest Car Insurance In Shawnee, KS
Cheapest Liability-only Car Insurance In Shawnee: Root
Root offers the most affordable car insurance for minimum coverage in Shawnee, with an average monthly price of $68.
Refer to the table below to compare rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| CSAA | $72 | $864 |
| Safeco | $81 | $972 |
| Dairyland | $79 | $948 |
| Root | $68 | $816 |
| National General | $85 | $1,020 |
Cheapest Full Coverage Insurance Rates In Shawnee: Root
Root offers the lowest full coverage car insurance rates, with an average quote of $118 per month in Shawnee.
The table below compares the average auto insurance quotes from budget-friendly insurers in Shawnee.
| Provider | Average Monthly Cost | Average Annual Cost |
| CSAA | $129 | $1,548 |
| Root | $118 | $1,416 |
| Direct Auto | $190 | $2,280 |
| National General | $156 | $1,872 |
| Safeco | $172 | $2,064 |
Cheapest Car Insurance Rates For Seniors: USAA
USAA offers the most affordable car insurance for seniors in Shawnee, with an average rate of $82 per month.
The table below displays the average quotes from the most budget-friendly auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allied | $128 | $1,536 |
| Nationwide | $140 | $1,680 |
| State Farm | $111 | $1,332 |
| USAA | $82 | $984 |
| American Family | $132 | $1,584 |
Cheapest Rates In Shawnee For Teenagers: USAA
Teen drivers in Shawnee can get the lowest rates from USAA, with an average monthly premium of $272.
The table below lists the insurance providers offering the most affordable insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $396 | $4,752 |
| Farm Bureau Mutual | $357 | $4,284 |
| USAA | $272 | $3,264 |
| American Family | $339 | $4,068 |
| State Farm | $401 | $4,812 |
Cheapest Auto Insurance For Young Adults in Shawnee: USAA
USAA provides the lowest quotes for young adults in Shawnee, with average monthly rates of $106.
The table below allows you to compare the most affordable auto insurance rates for young adults in Shawnee.
| Provider | Average Monthly Cost | Average Annual Cost |
| National Farmers Union P&C | $172 | $2,064 |
| State Farm | $135 | $1,620 |
| Safeco | $160 | $1,920 |
| USAA | $106 | $1,272 |
| Dairyland | $128 | $1,536 |
Cheapest Car Insurance In Shawnee For Good Drivers: Root
Safe drivers in Shawnee can get the best car insurance rates from Root, with average monthly premiums around $70.
If you’re a safe driver, check the table below to compare average quotes from the most budget-friendly insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Dairyland | $104 | $1,248 |
| CSAA | $72 | $864 |
| National General | $107 | $1,284 |
| Root | $70 | $840 |
| Safeco | $76 | $912 |
Find Affordable Shawnee Rates
Cheapest Car Insurance In Shawnee After A Speeding Ticket: CSAA
CSAA stands out as one of the most affordable options in Shawnee, offering average monthly rates of $93 for drivers with a speeding ticket on their record.
The table below helps you compare average rates for drivers who have a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $113 | $1,356 |
| Root | $99 | $1,188 |
| CSAA | $93 | $1,116 |
| National General | $111 | $1,332 |
| Dairyland | $106 | $1,272 |
Free Policy Review: Spot Gaps. Cut Costs.
Cheapest For Drivers With After At-Fault Accident: Root
Root provides the lowest car insurance rates for drivers with an at-fault accident, with an average monthly premium of $105.
Below are the insurance companies offering the most affordable rates for drivers with an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $118 | $1,416 |
| CSAA | $107 | $1,284 |
| Bristol West | $126 | $1,512 |
| Root | $105 | $1,260 |
| Dairyland | $110 | $1,320 |
Cheapest Rates In Shawnee For Drivers After A DUI: Root
Root offers the lowest rates for drivers with a DUI in Shawnee, with average monthly premiums of $108.
Drivers in Shawnee with a DUI can compare the most affordable rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $143 | $1,716 |
| CSAA | $109 | $1,308 |
| Direct Auto | $164 | $1,968 |
| Root | $108 | $1,296 |
| Safeco | $130 | $1,560 |
Best Car Insurance Companies In Shawnee
Root offers the most affordable car insurance in Shawnee, with an average monthly rate of $115. You may also want to consider USAA at $120 or CSAA at $124 per month.
The table below shows the top 10 car insurance companies in Shawnee, KS, listed by their average monthly rates.
| Company | Monthly Premium |
| Root | $115 |
| USAA | $120 |
| CSAA | $124 |
| State Farm | $128 |
| Direct Auto | $135 |
| Safeco | $141 |
| Dairyland | $144 |
| Nationwide | $147 |
| Auto-Owners | $152 |
| American Family | $155 |
Average Auto Insurance Rates In Shawnee- By Age
Age plays a significant role in determining car insurance rates. Younger drivers often face higher premiums due to their limited experience and higher risk of accidents or traffic violations. Teen drivers can expect to pay about $5,024 annually for car insurance.
Once drivers reach 25, their rates generally start to drop, provided they keep a clean driving record.
The most affordable insurance rates are typically offered to drivers in their 50s and early 60s. Insurance companies use age as a factor to evaluate driving experience and risk, which impacts the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $5,024 |
| 20s | $1,749 |
| 30s | $1,391 |
| 40s | $1,207 |
| 50s | $1,047 |
| 60s | $1,244 |
| 70s | $1,305 |
Average Rates In Shawnee- By Vehicle
The make, model, year, and body type of your vehicle are key factors in determining your car insurance premiums. Generally, newer cars, especially luxury models with advanced features and higher replacement costs, come with higher insurance rates.
The table below shows the average insurance rates in Shawnee for various vehicles.
| Vehicle | Average Monthly Rate |
| Toyota Rav4 | $92 |
| Ford Fusion | $143 |
| Ford Escape | $146 |
| Nissan Murano | $123 |
| Honda Odyssey | $101 |
How Much Is Car Insurance In Other Cities in Kansas?
Your city plays a major role in determining your car insurance rates. Insurance providers consider factors like the likelihood of accidents, vehicle theft, and vandalism, which tend to be more common in urban areas. As a result, premiums are typically higher in these regions.
For instance, drivers in Mission can expect to pay about $104 per month for car insurance, while those in Olathe face an average monthly rate of $121.
| City | Average Monthly Rate |
| Mission | $104 |
| Olathe | $121 |
| Overland Park | $133 |
| Salina | $97 |
| Hutchinson | $119 |
| Kansas City | $155 |
| Lawrence | $139 |
| Leawood | $109 |
| Lenexa | $126 |
| Liberal | $174 |
Average Cost Of Auto Insurance In Shawnee- By Zip Code
Zip codes are used by insurers to assess crime rates in your area, which can affect car insurance premiums. As a result, insurance rates vary depending on the zip code.
The table below provides the average car insurance rates for different zip codes in Shawnee.
| Zip Code | Average Monthly Rate |
| 66216 | $118 |
| 66203 | $113 |
| 66218 | $244 |
| 66214 | $109 |
| 66226 | $101 |
Find Affordable Shawnee Rates
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Shawnee, KS.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Shawnee?
Root offers the lowest car insurance rates in Shawnee, both for the minimum coverage required by the State of Kansas and for full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Shawnee?
The average car insurance cost in Shawnee is approximately $135 per month. However, rates can vary depending on factors such as your zip code, car make and model, driving history, and more.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.
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