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Jerry Data & Research
Cheapest car insurance in Iola, Kansas (Nov 2024)
Cheapest car insurance in Iola, Kansas (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Iola, Kansas.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- Cheapest car insurance quotes in Iola
- Best car insurance companies in Iola
- Average cost of car insurance in Iola
- Car insurance quotes in Iola by rating factors
- How do different factors impact your car insurance costs in Iola?
- Cheap car insurance quotes in Iola after driving violations
- Cheap car insurance quotes in Iola based on insurance history
- Cheap car insurance quotes in Iola for popular cars
- How to lower car insurance costs in Iola
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Cheapest car insurance quotes in Iola
On average,
auto insurance
in Iola costs about $150 per month for minimum coverage liability insurance and about $150 per month for full coverage insurance. Iola drivers pay 36% less than the Kansas
average. Best car insurance companies in Iola
There’s no one-size-fits-all for the best
car insurance quotes
, but you can find the best car insurance for you.In our recent consumer survey, we discovered that when it comes to finding the best auto insurance company, the secret lies in uncovering the perfect match for your unique needs.
For some drivers, insurance giant
State Farm
is their cheapest car insurance company; for other drivers, it’s Farmers
. Other companies that have established a strong presence in Kansas include Progressive
, Travelers
, Geico, American Family, and Allstate
.
The table below shows how drivers in Iola rate different companies on a scale of 0 to 5.| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.2 | 3.8 | 4 | 4.3 |
| Bristol West | 4.1 | 4.8 | N/A | 3.8 |
| Dairyland | 4.4 | 3.6 | N/A | 4.1 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Cheap minimum liability insurance quotes in Iola
To hit the road legally, Iola drivers must meet Kansas minimum coverage limits.
Kansas minimum liability coverage includes:
- $25,000 per accident ofproperty damage liability
- $25,000 per person/$50,000 per accident inuninsured motorist coverage
These coverages are commonly known as 25/50/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.
In addition, drivers in Kansas are required to carry varying limits of
personal injury protection
, including:- $4,500 per person in medical expenses
- $900 per month in income loss for one year
- $25 per day for at-home services
- $4,500 per person in rehabilitation expenses
- $2,000 per person in funeral expenses
Lucile (59 years old)
$68
per month
Do you need more than minimum coverage in Iola?
For most Iola drivers, purchasing more liability coverage than the 25/50/25 state minimum mandated by
Kansas car insurance laws
is a very good idea. If you cause an accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the replacement cost can be more than $40,000—well above that $25,000 property damage limit.
And remember,
Kansas’ car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident date. The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage.
Cheap full coverage car insurance quotes in Iola
Full coverage car insurance
includes comprehensive and collision insurance. Collision coverage
covers the cost of fixing or replacing your car after an accident, while comprehensive coverage
pays out if your vehicle is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters. If you have a loan on the vehicle, your lending agency will typically require both collision and comprehensive coverage.
On top of a full-coverage policy, you can choose to purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. The table below shows some recent examples of the cheapest Iola full coverage quotes that Jerry’s agents helped our customers obtain.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $68 | Lucile, 59 Zip: 66749 | Chevrolet Tahoe K1500 |
• 50,000/100,000 Liability • Comp / Collision | Bristol West | $124 | Elnora, 31 Zip: 66749 | Dodge Durango SXT |
• 50,000/100,000 Liability • Comp / Collision | National General | $269 | Mildred, 34 Zip: 66749 | Hyundai Elantra SEL |
Last Updated Nov 21, 2024
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Sean S.
Average cost of car insurance in Iola
The average cost for minimum liability coverage in Iola is $150 per month or $1,794 per year. The average price for full coverage insurance in Iola is $150 per month or $1,794 per year.
While researching average insurance rates can help you predict your insurance costs, it's important to note that each driver's
insurance premium is calculated
based on various factors, such as the car type, driving record, claims history, and demographics—so your actual costs may vary significantly from the state average.Car insurance quotes in Iola by rating factors
Insurance companies in Iola use many rating factors when calculating your auto insurance premium:
- Your driving record and claims history: Insurers will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 will pay higher insurance rates as insurance providers consider young drivers a higher risk due to limited driving experience.
- The kind of car you own: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Your ZIP code: Rates are likely higher if you regularly park in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Insurers often charge more if you drive your vehicle to and from work than if you use it for leisure.
How do different factors impact your car insurance costs in Iola?
How do different factors impact your car insurance costs in Iola?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Iola currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Iola:
Cheap car insurance quotes in Iola after driving violations
Your
Kansas driving record
plays a large role in your car insurance quotes. If insurance providers see a history of violations, they’ll view you as a higher risk and charge a steeper rate. Common violations that could increase your insurance rates include the following:- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Iola after speeding ticket
In Iola, a speeding ticket could increase your car insurance rate. Jerry is proud to help drivers with speeding tickets of varying severities save on car insurance.
Last Updated Nov 21, 2024Cheapest car insurance in Iola after DUI
In Iola,
a DUI violation
can increase your insurance rates and label you as a high-risk driver
. If you have a DUI on your record, you’ll need to compare quotes from many insurance companies to find low-cost options.Jerry has helped many Iola drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Iola after an at-fault accident
One of the most critical elements affecting car insurance rates is your car accident or claim history. For Iola drivers, car accidents could result in an average rate increase of X%.
Kansas is an at-fault state. Your car insurance rates could skyrocket if you’ve recently been in an at-fault accident. Jerry has helped many Iola drivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $91 | Dylan, 39 Zip: 66749 | Ford Fiesta SE | • State Minimum Liability • Comp / Collision |
Not At Fault | AAA | $70 | Louis, 58 Zip: 66749 | Chevrolet Tahoe K1500 | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Progressive | $91 | Brent, 39 Zip: 66749 | Ford Fiesta SE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 16, 2024Cheapest car insurance in Iola after other driving violations
Besides speeding tickets and DUIs, violations like
reckless driving
and driving on a suspended license can also cause your car insurance costs to increase.We compiled a list of other driving violations and how we helped drivers with these offenses save on their auto insurance.
Last Updated Nov 21, 2024Cheapest car insurance in Iola for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Iola. Full coverage provides better financial protection—and staying on the parent’s policy is the best way to keep rates low.
Cheapest car insurance in Iola for senior drivers
Similar to teen drivers,
senior drivers
also pose a heightened risk to insurance companies. This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
Cynthia (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Iola, KS (Zip Code: 66749)
$70
per month
Cheap car insurance quotes in Iola based on insurance history
Another factor that can impact your rates is your insurance history.
Any lapse in coverage
usually leads to an increase in car insurance rates.Jerry sends payment reminders to our customers, to help ensure timely insurance payments and prevent coverage lapses. We can also help uninsured or previously lapsed customers find savings on new auto insurance policies.
Genevieve (58 years old)
$68
per month
Adele (30 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Iola, KS (Zip Code: 66749)
$188
per month
Fanny (30 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Iola, KS (Zip Code: 66749)
$124
per month
Antonio (58 years old)
$68
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
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James
Excellent customer service and reasonable rates
Claud
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Jennifer
Cheap car insurance quotes in Iola for popular cars
The type of car you drive is a major rating factor in car insurance premiums. Costs associated with car type include the cost of repairs or replacements, the likelihood of theft, and the overall safety record of the vehicle.
How to lower car insurance costs in Iola
1. Shop around and compare quotes
Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place. To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers.
Commonly available discounts
for Kansas drivers include: - Good driver discounts: Drivers with one or fewer points on their license and no at-fault accidents may be eligible to receive good driver discounts.
- Telematics discounts: Many companies offer easy-to-earn discounts to drivers who use telematics to track their driving habits. You might even get a discount for signing up!
- Good student discounts. Are you a full-time student? Do you have a B average or better? You may qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
Increasing your deductible is an easy way to lower your monthly expenses without sacrificing coverage if you've got full coverage car insurance.
Why is car insurance in Iola so expensive?
- Traffic: Dense traffic in Iola leads to a higher rate of car accidents, which makes insurance companies charge higher prices.
- Crime: Living in an area with a high crime rate can raise the cost of comprehensive car insurance.
- Natural disasters: Natural disasters like tornadoes and winter storms are more common in Iola than in many other parts of the country. When setting rates, insurers consider the increased risk of vehicle damage from these events.
FAQ
How much is car insurance in Iola?
People living in Iola pay on average $150 per month – or $1,794 per year – on state-minimum liability coverage. Full coverage in Iola costs on average $150 per month or $1,794 per year.
What is the cheapest car insurance in Iola?
Car insurance in Iola costs an average of $150 per month for state-minimum coverage and $150 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you.
What is the best car insurance in Iola?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Acceptance, State Farm, and Farm Bureau receive good ratings from Iola drivers.
What is the minimum car insurance in Iola, Kansas?
The state-minimum car insurance in Iola, Kansas is as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
These coverages are commonly referred to as 25/50/25 coverage.
Additionally, Kansas also mandates personal injury protection (PIP) coverage and uninsured motorist coverage/underinsured motorist coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.