Table of contents
How much is car insurance in Shawnee?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Shawnee are about the same as what you would pay anywhere else in Kansas.
On the other hand, the expected monthly payments for an auto insurance policy in Shawnee are below the national average. The average monthly payment in Shawnee is about $21 cheaper than the rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Shawnee, keep in mind that you could end up paying a different amount. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've analyzed the average rate for Shawnee and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay $57 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may creep back up in Shawnee.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Shawnee, this difference shakes out to about $8 a month. Looking at the table above, you can see that female drivers pay around $57 on average, while male drivers typically pay $65 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Shawnee, a driving record with a single accident will usually get you a rate around $93 a month. In addition, drivers with a single ticket on their record can expect to pay around $59 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$56|
The cheapest vehicles to insure in Shawnee are typically SUVs, with each type typically costing about $47 per month.
Truck and van drivers will see rates of about $75, while the rates for SUV owners average out to about $47 per month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Shawnee, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
More often than not, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Shawnee can be as much as $12 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$110|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $9 a month more than drivers who own property in Shawnee. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Shawnee, KS
Recent trends in car insurance for Shawnee drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for auto insurance in Shawnee dropped from 2017-2020, before leveling out in 2021. They finished down in 2022, at $54 a month
How does Shawnee compare to neighboring areas?
Why are car insurance rates in Shawnee different from other areas?
Car insurance companies will take into account several factors when choosing how much to charge for a policy. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Local laws
- Number of drivers in the area
- General road safety (how many accidents each locality has)
- Off-street parking availability
- Local crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Shawnee?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Shawnee.
Shawnee Insurance FAQs
What factors affect car insurance quotes in Shawnee?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Shawnee different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Shawnee?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Shawnee?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Shawnee or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.