Dodge City drivers pay an average of $1,908/year — $137 more than the national average. With 328 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $396/year.
(888) 217-6781Estimated full coverage auto insurance rates for Dodge City, KS from top carriers. Rates are adjusted for Dodge City's 328 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $725 | $121/mo |
| Shelter Insurance | $788 | $131/mo |
| Progressive | $817 | $136/mo |
| Farm Bureau | $874 | $146/mo |
| State Farm | $892 | $149/mo |
Estimates based on 2026 rate filings for ZIP 67801. GEICO is cheapest at ~$121/mo. Actual rates vary by driver profile and exact Dodge City location.
These Dodge City-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Dodge City, KS. Takes under 2 minutes.
(888) 217-6781Dodge City is a smaller city in Kansas with a population of 27,788. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as tornadoes, severe thunderstorms, hail, ice storms, flooding, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Dodge City.
For official Kansas insurance regulations, visit the Kansas Insurance Department. For driver licensing, see the Kansas Division of Vehicles.
Your specific ZIP code within Dodge City can swing your premium by hundreds of dollars. Here's how rates compare across Dodge City neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 67816 | Dodge City South Side | $1,827/yr | $152/mo |
| 67803 | Dodge City North Side | $1,855/yr | $155/mo |
| 67817 | Dodge City West Side | $1,922/yr | $160/mo |
| 67803 | Dodge City East Side | $1,942/yr | $162/mo |
| 67801 | Dodge City Downtown/Central | $2,050/yr | $171/mo |
The cheapest ZIP is 67816 (Dodge City South Side) at $1,827/yr. The most expensive is 67801 (Dodge City Downtown/Central) at $2,050/yr — a $223/year difference for the same driver.
Your Dodge City ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Dodge City. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,007/yr | $334/mo | +110% vs avg |
| Young Adult (20-25) | $2,671/yr | $223/mo | +40% vs avg |
| Adult (26-35) | $1,908/yr | $159/mo | 0% vs avg |
| Mid-Career (36-50) | $1,679/yr | $140/mo | -12% vs avg |
| Senior (51-65) | $1,584/yr | $132/mo | -17% vs avg |
| 65+ | $1,698/yr | $142/mo | -11% vs avg |
Teens in Dodge City pay an average of $4,007/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,584/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Kansas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Dodge City drivers can save up to $396/year. ZIP 67816 (Dodge City South Side) has the lowest rates starting at $1,827/yr.
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