Shawnee, KS Car Insurance

On average, Shawnee drivers pay around $63 a month for their car insurance. Learn more in our handy guide below.
Compared to their surrounding area, how do rates in Shawnee stack up? What about against the rest of Kansas? What should residents of Shawnee expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Shawnee?

Area Average Monthly Car Insurance Premium
Shawnee$63
KS$58
United States$80

As you can tell from the chart above, the cost of coverage in Shawnee is about $5 a month more expensive than the rest of Kansas.

However, car insurance rates in Shawnee are often favorable when viewed against the rest of the country. You can expect to pay about $17 less for your policy in Shawnee than in the rest of U.S.

Although these are the average rates for auto insurance in Shawnee, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

We've analyzed the average rate for Shawnee and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$95
25-34$60
35-44$63
45-54$52
55-64$50
65+$53

Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $42 more than someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates begin to go back up once you hit retirement in Shawnee.

Average Car Insurance Rates by Gender

Gender Average
Male$63
Female$63

In general, women pay slightly less for car insurance than men. Male and female drivers in Shawnee, however, both pay around $63 a month for car insurance coverage.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$82
Multiple Accidents$79
1 Ticket$90
Multiple Tickets$95

Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Shawnee with a single accident on their record is about $82 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $90.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$43
4-5 Years$49
6-7 Years$48
8-10 Years$73
11-14 Years$70
15 Years or Older$62

If you look at the first table above, the cheapest vehicles to insure in Shawnee are typically SUVs, at $57 per month.

Truck and van drivers will see rates of about $79 for car insurance, while SUV owners by and large pay around $57 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Shawnee, vehicles eight-to-ten years old and eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$64
Married$68
Divorced$50
Widowed$89

On average, those who have settled down into marriage will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are 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 $4 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$56
Rent$61
Live with parents$122

Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Shawnee, expect to pay around $5 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Shawnee, KS

Recent trends in car insurance for Shawnee drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

Car insurance rates in Shawnee increased from 2016-2017, when they reached a high of $77. This changed in 2018, when rates began to decrease. They hit a low of $57 in 2020, and finished up in 2021, at $60 a month.

How does Shawnee compare to neighboring areas?

Why are car insurance rates in Shawnee different from other areas?

There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:

  • Off-street parking accessibility
  • Total number of drivers
  • Crime levels
  • Road Safety (frequency of car accidents)
  • Laws

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. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Shawnee?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But hold on! Compare.com can handle all of this for you. Enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering policies in Shawnee.

Compare the cheapest quotes from dozens of insurance companies

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, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Shawnee different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Shawnee?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Shawnee?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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.

Find your best rate in just a few minutes