Cheap Car Insurance in Kansas for April 2024

Shelter offers the cheapest car insurance in Kansas, with an average annual rate of $1,273 for full coverage.
Ben Moore
By Ben Moore  
Updated
Edited by Lacie Glover  

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Kansas isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Kansas is Shelter at $1,273 per year on average, or $106 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Kansas. Meanwhile, the average cost of full coverage car insurance in Kansas is $2,412 per year, or about $201 per month.

Minimum coverage in Kansas is $621 per year on average, but we found you can likely get a cheaper policy. For example, Farm Bureau Financial Services offers the cheapest rates in Kansas at $341 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in Kansas

NerdWallet’s editorial team analyzed car insurance rates from 17 auto insurers in Kansas and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Kansas. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Kansas where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Kansas for 20-year-olds

Drivers in Kansas with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $3,349 per year, or about $279 per month.
  2. Allstate: $8,340 per year, or about $695 per month.
  3. American Family: $4,067 per year, or about $339 per month.
  4. Auto-Owners: $3,285 per year, or about $274 per month.
  5. Dairyland: $4,708 per year, or about $392 per month.

Cheapest minimum coverage car insurance in Kansas for 20-year-olds

Drivers in Kansas who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $742 per year, or about $62 per month.
  2. Allstate: $1,507 per year, or about $126 per month.
  3. American Family: $1,416 per year, or about $118 per month.
  4. Auto-Owners: $900 per year, or about $75 per month.
  5. Dairyland: $1,194 per year, or about $100 per month.

Cheapest auto insurance in Kansas for 20-year-olds with poor credit

Drivers with poor credit in Kansas should look at the following insurers with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $1,309 per year, or about $109 per month.
  2. Allstate: $1,961 per year, or about $163 per month.
  3. American Family: $2,085 per year, or about $174 per month.
  4. Auto-Owners: $2,637 per year, or about $220 per month.
  5. Dairyland: $1,534 per year, or about $128 per month.

Cheapest auto insurance in Kansas for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $967 per year, or about $81 per month.
  2. Allstate: $1,628 per year, or about $136 per month.
  3. American Family: $1,480 per year, or about $123 per month.
  4. Auto-Owners: $1,827 per year, or about $152 per month.
  5. Dairyland: $1,510 per year, or about $126 per month.

Cheapest auto insurance in Kansas for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Kansas, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $1,202 per year, or about $100 per month.
  2. Allstate: $2,079 per year, or about $173 per month.
  3. American Family: $1,609 per year, or about $134 per month.
  4. Auto-Owners: $1,377 per year, or about $115 per month.
  5. Dairyland: $1,557 per year, or about $130 per month.

Cheapest auto insurance in Kansas for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Farm Bureau Financial Services: $1,826 per year, or about $152 per month.
  2. Allstate: $1,977 per year, or about $165 per month.
  3. American Family: $1,480 per year, or about $123 per month.
  4. Auto-Owners: $2,850 per year, or about $238 per month.
  5. Dairyland: $1,448 per year, or about $121 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Kansas for 30-year-olds

Drivers in Kansas who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $1,811 per year, or about $151 per month.
  2. Allstate: $2,869 per year, or about $239 per month.
  3. American Family: $2,423 per year, or about $202 per month.
  4. Auto-Owners: $1,593 per year, or about $133 per month.
  5. Dairyland: $3,589 per year, or about $299 per month.

Cheapest minimum coverage car insurance in Kansas for 30-year-olds

Drivers in Kansas who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $342 per year, or about $29 per month.
  2. Allstate: $951 per year, or about $79 per month.
  3. American Family: $670 per year, or about $56 per month.
  4. Auto-Owners: $394 per year, or about $33 per month.
  5. Dairyland: $806 per year, or about $67 per month.

Cheapest auto insurance in Kansas for 30-year-olds with poor credit

Drivers with poor credit in Kansas should consider the following companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $3,340 per year, or about $278 per month.
  2. Allstate: $4,236 per year, or about $353 per month.
  3. American Family: $3,572 per year, or about $298 per month.
  4. Auto-Owners: $5,013 per year, or about $418 per month.
  5. Dairyland: $4,791 per year, or about $399 per month.

Cheapest auto insurance in Kansas for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $444 per year, or about $37 per month.
  2. Allstate: $1,046 per year, or about $87 per month.
  3. American Family: $733 per year, or about $61 per month.
  4. Auto-Owners: $785 per year, or about $65 per month.
  5. Dairyland: $1,273 per year, or about $106 per month.

Cheapest auto insurance in Kansas for 30-year-old drivers with one at-fault crash

For drivers in Kansas with a recent accident, here are the lowest average rate options for full coverage:

  1. Farm Bureau Financial Services: $2,738 per year, or about $228 per month.
  2. Allstate: $4,301 per year, or about $358 per month.
  3. American Family: $2,772 per year, or about $231 per month.
  4. Auto-Owners: $2,214 per year, or about $185 per month.
  5. Dairyland: $5,671 per year, or about $473 per month.

Cheapest auto insurance in Kansas for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Farm Bureau Financial Services: $4,298 per year, or about $358 per month.
  2. Allstate: $4,186 per year, or about $349 per month.
  3. American Family: $2,558 per year, or about $213 per month.
  4. Auto-Owners: $3,839 per year, or about $320 per month.
  5. Dairyland: $4,420 per year, or about $368 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Kansas for 40-year-olds

Drivers in Kansas with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $1,778 per year, or about $148 per month.
  2. Allstate: $2,869 per year, or about $239 per month.
  3. American Family: $2,381 per year, or about $198 per month.
  4. Auto-Owners: $1,560 per year, or about $130 per month.
  5. Dairyland: $3,018 per year, or about $252 per month.

Cheapest minimum coverage car insurance in Kansas for 40-year-olds

Drivers in Kansas who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $340 per year, or about $28 per month.
  2. Allstate: $951 per year, or about $79 per month.
  3. American Family: $670 per year, or about $56 per month.
  4. Auto-Owners: $406 per year, or about $34 per month.
  5. Dairyland: $697 per year, or about $58 per month.

Cheapest auto insurance in Kansas for 40-year-olds with poor credit

Drivers with poor credit in Kansas can check out the following insurers with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $3,377 per year, or about $281 per month.
  2. Allstate: $4,236 per year, or about $353 per month.
  3. American Family: $3,572 per year, or about $298 per month.
  4. Auto-Owners: $4,900 per year, or about $408 per month.
  5. Dairyland: $4,075 per year, or about $340 per month.

Cheapest auto insurance in Kansas for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $441 per year, or about $37 per month.
  2. Allstate: $1,046 per year, or about $87 per month.
  3. American Family: $733 per year, or about $61 per month.
  4. Auto-Owners: $809 per year, or about $67 per month.
  5. Dairyland: $1,096 per year, or about $91 per month.

Cheapest auto insurance in Kansas for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Kansas, here are the companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $2,687 per year, or about $224 per month.
  2. Allstate: $4,301 per year, or about $358 per month.
  3. American Family: $2,772 per year, or about $231 per month.
  4. Auto-Owners: $2,174 per year, or about $181 per month.
  5. Dairyland: $4,734 per year, or about $395 per month.

Cheapest auto insurance in Kansas for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Farm Bureau Financial Services: $4,216 per year, or about $351 per month.
  2. Allstate: $4,186 per year, or about $349 per month.
  3. American Family: $2,558 per year, or about $213 per month.
  4. Auto-Owners: $3,789 per year, or about $316 per month.
  5. Dairyland: $3,713 per year, or about $309 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Kansas for 50-year-olds

Drivers in Kansas with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Farm Bureau Financial Services: $1,548 per year, or about $129 per month.
  2. Allstate: $2,567 per year, or about $214 per month.
  3. American Family: $2,173 per year, or about $181 per month.
  4. Auto-Owners: $1,479 per year, or about $123 per month.
  5. Dairyland: $2,585 per year, or about $215 per month.

Cheapest minimum coverage car insurance in Kansas for 50-year-olds

Drivers in Kansas who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Farm Bureau Financial Services: $296 per year, or about $25 per month.
  2. Allstate: $912 per year, or about $76 per month.
  3. American Family: $623 per year, or about $52 per month.
  4. Auto-Owners: $392 per year, or about $33 per month.
  5. Dairyland: $610 per year, or about $51 per month.

Cheapest auto insurance in Kansas for 50-year-olds with poor credit

Drivers with poor credit in Kansas can check with the following companies, which showed the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $2,927 per year, or about $244 per month.
  2. Allstate: $4,138 per year, or about $345 per month.
  3. American Family: $3,257 per year, or about $271 per month.
  4. Auto-Owners: $4,638 per year, or about $387 per month.
  5. Dairyland: $3,529 per year, or about $294 per month.

Cheapest auto insurance in Kansas for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $384 per year, or about $32 per month.
  2. Allstate: $1,052 per year, or about $88 per month.
  3. American Family: $687 per year, or about $57 per month.
  4. Auto-Owners: $777 per year, or about $65 per month.
  5. Dairyland: $957 per year, or about $80 per month.

Cheapest auto insurance in Kansas for 50-year-old drivers with one at-fault crash

For drivers living in Kansas with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Farm Bureau Financial Services: $2,334 per year, or about $194 per month.
  2. Allstate: $3,856 per year, or about $321 per month.
  3. American Family: $2,561 per year, or about $213 per month.
  4. Auto-Owners: $2,059 per year, or about $172 per month.
  5. Dairyland: $4,044 per year, or about $337 per month.

Cheapest auto insurance in Kansas for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Farm Bureau Financial Services: $3,658 per year, or about $305 per month.
  2. Allstate: $3,496 per year, or about $291 per month.
  3. American Family: $2,346 per year, or about $196 per month.
  4. Auto-Owners: $3,580 per year, or about $298 per month.
  5. Dairyland: $3,171 per year, or about $264 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Kansas for 60-year-olds

Drivers in Kansas with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $1,485 per year, or about $124 per month.
  2. Allstate: $2,476 per year, or about $206 per month.
  3. American Family: $2,122 per year, or about $177 per month.
  4. Auto-Owners: $1,410 per year, or about $118 per month.
  5. Dairyland: $2,565 per year, or about $214 per month.

Cheapest minimum coverage car insurance in Kansas for 60-year-olds

Drivers in Kansas who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Farm Bureau Financial Services: $299 per year, or about $25 per month.
  2. Allstate: $906 per year, or about $76 per month.
  3. American Family: $623 per year, or about $52 per month.
  4. Auto-Owners: $398 per year, or about $33 per month.
  5. Dairyland: $613 per year, or about $51 per month.

Cheapest auto insurance in Kansas for 60-year-olds with poor credit

Drivers with poor credit in Kansas can look at the following companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $2,814 per year, or about $234 per month.
  2. Allstate: $3,987 per year, or about $332 per month.
  3. American Family: $3,257 per year, or about $271 per month.
  4. Auto-Owners: $4,416 per year, or about $368 per month.
  5. Dairyland: $3,481 per year, or about $290 per month.

Cheapest auto insurance in Kansas for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $389 per year, or about $32 per month.
  2. Allstate: $1,076 per year, or about $90 per month.
  3. American Family: $687 per year, or about $57 per month.
  4. Auto-Owners: $786 per year, or about $66 per month.
  5. Dairyland: $961 per year, or about $80 per month.

Cheapest auto insurance in Kansas for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Kansas, here are the companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $2,248 per year, or about $187 per month.
  2. Allstate: $3,840 per year, or about $320 per month.
  3. American Family: $2,560 per year, or about $213 per month.
  4. Auto-Owners: $1,971 per year, or about $164 per month.
  5. Dairyland: $4,022 per year, or about $335 per month.

Cheapest auto insurance in Kansas for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Farm Bureau Financial Services: $3,518 per year, or about $293 per month.
  2. Allstate: $3,496 per year, or about $291 per month.
  3. American Family: $2,346 per year, or about $196 per month.
  4. Auto-Owners: $3,459 per year, or about $288 per month.
  5. Dairyland: $3,148 per year, or about $262 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Kansas for 70-year-olds

Drivers in Kansas with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Farm Bureau Financial Services: $1,416 per year, or about $118 per month.
  2. Allstate: $2,549 per year, or about $212 per month.
  3. American Family: $2,216 per year, or about $185 per month.
  4. Auto-Owners: $1,554 per year, or about $130 per month.
  5. Dairyland: $2,679 per year, or about $223 per month.

Cheapest minimum coverage car insurance in Kansas for 70-year-olds

Drivers in Kansas who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Farm Bureau Financial Services: $323 per year, or about $27 per month.
  2. Allstate: $952 per year, or about $79 per month.
  3. American Family: $763 per year, or about $64 per month.
  4. Auto-Owners: $494 per year, or about $41 per month.
  5. Dairyland: $654 per year, or about $55 per month.

Cheapest auto insurance in Kansas for 70-year-olds with poor credit

Drivers with poor credit in Kansas can look at the following companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $2,699 per year, or about $225 per month.
  2. Allstate: $4,168 per year, or about $347 per month.
  3. American Family: $3,385 per year, or about $282 per month.
  4. Auto-Owners: $4,864 per year, or about $405 per month.
  5. Dairyland: $3,595 per year, or about $300 per month.

Cheapest auto insurance in Kansas for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Kansas, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $420 per year, or about $35 per month.
  2. Allstate: $1,131 per year, or about $94 per month.
  3. American Family: $826 per year, or about $69 per month.
  4. Auto-Owners: $978 per year, or about $82 per month.
  5. Dairyland: $1,028 per year, or about $86 per month.

Cheapest auto insurance in Kansas for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Kansas, here are the companies with the lowest average rates for full coverage:

  1. Farm Bureau Financial Services: $2,160 per year, or about $180 per month.
  2. Allstate: $3,989 per year, or about $332 per month.
  3. American Family: $2,672 per year, or about $223 per month.
  4. Auto-Owners: $2,212 per year, or about $184 per month.
  5. Dairyland: $4,226 per year, or about $352 per month.

Cheapest auto insurance in Kansas for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Farm Bureau Financial Services: $3,375 per year, or about $281 per month.
  2. Allstate: $3,484 per year, or about $290 per month.
  3. American Family: $2,457 per year, or about $205 per month.
  4. Auto-Owners: $4,046 per year, or about $337 per month.
  5. Dairyland: $3,300 per year, or about $275 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 58 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required auto insurance in Kansas

Kansas has some of the most extensive car insurance requirements of any state. Policies must include liability insurance, uninsured and underinsured motorist coverage and personal injury protection in the following amounts:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $25,000 property damage liability per accident.

  • $25,000 uninsured/underinsured motorist coverage per person.

  • $50,000 uninsured/underinsured motorist coverage per accident.

  • Personal injury protection including $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral, burial or cremation costs, and $4,500 for rehabilitation.

  • Survivor benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services.

That’s enough to drive legally, but you may want more than the minimum coverage. If you’re in an accident that causes bills higher than these amounts, you’ll have to pay the rest on your own. Check out NerdWallet’s state-by-state car insurance requirements.

Alternative car insurance in Kansas

Drivers with DUIs, poor credit or other factors preventing them from getting car insurance on the voluntary market can seek coverage through the Kansas Automobile Insurance Plan.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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