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Cheap Auto Insurance in Leavenworth, KS

Leavenworth drivers pay an average of $1,863/year β€” $92 more than the national average. With 412 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $351/year.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance
πŸŽ–οΈ U.S. Military Veteran πŸ“‹ Licensed in 50 States πŸ• 15+ Years Experience πŸ“… Updated: April 10, 2026

Leavenworth, KS Auto Insurance Rates by Carrier (2026)

Estimated full coverage auto insurance rates for Leavenworth, KS from top carriers. Rates are adjusted for Leavenworth's 412 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:

Insurance Company6-Month PremiumMonthly Cost
GEICO ⭐$708$118/mo
Shelter Insurance$770$128/mo
Progressive$798$133/mo
Farm Bureau$854$142/mo
State Farm$871$145/mo

Estimates based on 2026 rate filings for ZIP 66027. GEICO is cheapest at ~$118/mo. Actual rates vary by driver profile and exact Leavenworth location.

Leavenworth Driving Safety & Insurance Stats

These Leavenworth-specific safety and risk statistics directly impact what you pay for auto insurance:

$1,863
Avg. Annual Premium
412
Crashes Per Year
5
Fatal Crashes/Year
108
DUI Arrests/Year
2.0 per 1,000
Vehicle Thefts
8%
Uninsured Drivers
19.1 min
Avg. Commute
37K
Population

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Auto Insurance in Leavenworth: What Drives Your Rate

Leavenworth is a smaller city in Kansas with a population of 37,351. 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 Leavenworth.

Key Risk Factors in Leavenworth

For official Kansas insurance regulations, visit the Kansas Insurance Department. For driver licensing, see the Kansas Division of Vehicles.

Auto Insurance Rates by ZIP Code in Leavenworth, KS

Your specific ZIP code within Leavenworth can swing your premium by hundreds of dollars. Here's how rates compare across Leavenworth neighborhoods:

ZIP CodeNeighborhoodAvg. AnnualMonthly
66042Leavenworth South Side$1,715/yr$143/mo
66029Leavenworth North Side$1,817/yr$151/mo
66043Leavenworth West Side$1,846/yr$154/mo
66029Leavenworth East Side$1,937/yr$161/mo
66027Leavenworth Downtown/Central$1,978/yr$165/mo

The cheapest ZIP is 66042 (Leavenworth South Side) at $1,715/yr. The most expensive is 66027 (Leavenworth Downtown/Central) at $1,978/yr β€” a $263/year difference for the same driver.

πŸŽ–οΈ Live in Leavenworth South Side or Leavenworth Downtown/Central?

Your Leavenworth ZIP code matters. Call for a rate specific to your exact location.

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Auto Insurance Rates by Age in Leavenworth, KS

Age is one of the biggest rating factors in Leavenworth. Here's how rates differ by age group:

Age GroupAvg. AnnualMonthlyvs. City Avg
Teen (16-19)$3,912/yr$326/mo+110% vs avg
Young Adult (20-25)$2,608/yr$217/mo+40% vs avg
Adult (26-35)$1,863/yr$155/mo0% vs avg
Mid-Career (36-50)$1,639/yr$137/mo-12% vs avg
Senior (51-65)$1,546/yr$129/mo-17% vs avg
65+$1,658/yr$138/mo-11% vs avg

Teens in Leavenworth pay an average of $3,912/year β€” 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,546/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.

How to Get the Cheapest Auto Insurance in Leavenworth

Kansas Auto Insurance Guides

πŸ“„ Cheap Car Insuranceβ€Ί πŸ“„ Minimum Coverageβ€Ί πŸ“„ Full Coverageβ€Ί πŸ“„ SR-22 Insuranceβ€Ί πŸ“„ No Deposit Insuranceβ€Ί πŸ“„ Liability Insuranceβ€Ί πŸ“„ Collision Insuranceβ€Ί πŸ“„ Comprehensive Insuranceβ€Ί πŸ“„ Uninsured Motorist Insuranceβ€Ί πŸ“„ PIP Insuranceβ€Ί πŸ“„ Gap Insuranceβ€Ί πŸ“„ Non-Owner Car Insuranceβ€Ί πŸ“„ Teen Driver Insuranceβ€Ί πŸ“„ Senior Driver Insuranceβ€Ί πŸ“„ Military Car Insuranceβ€Ί πŸ“„ High Risk Auto Insuranceβ€Ί πŸ“„ First-Time Driver Insuranceβ€Ί πŸ“„ Insurance After DUIβ€Ί πŸ“„ Bad Credit Car Insuranceβ€Ί πŸ“„ Multi-Car Insuranceβ€Ί πŸ“„ Rideshare Insuranceβ€Ί πŸ“„ Car Insurance Discountsβ€Ί πŸ“„ Bundle Home & Autoβ€Ί πŸ“„ Pay-Per-Mile Insuranceβ€Ί πŸ“„ Same-Day Car Insuranceβ€Ί πŸ“„ Month-to-Month Insuranceβ€Ί πŸ“„ Insurance After Accidentβ€Ί πŸ“„ Electric Vehicle Insuranceβ€Ί

More Kansas Cities

Compare auto insurance rates in other Kansas cities:

Leavenworth, KS Auto Insurance FAQ

How much is car insurance in Leavenworth, KS?
The average annual auto insurance premium in Leavenworth is $1,863, which is $92 above the national average. Rates range from $1,715/yr in Leavenworth South Side (ZIP 66042) to $1,978/yr in Leavenworth Downtown/Central (ZIP 66027). Your driving record, age, vehicle, and exact ZIP code all affect your rate.
Who has the cheapest auto insurance in Leavenworth?
GEICO typically offers the cheapest full coverage in Leavenworth at around $118/month. However, with 412 annual crashes and a 8% uninsured driver rate in Leavenworth, rates vary widely β€” comparing quotes from multiple companies is essential. Call (888) 217-6781 for a free comparison.
What auto insurance is required in Leavenworth, KS?
Leavenworth follows Kansas state law requiring minimum liability of 25/50/25. However, with 412 crashes per year and 5 fatal crashes annually in Leavenworth, experts recommend at least 50/100/50 coverage plus comprehensive and collision to protect against Leavenworth's risks including tornadoes, severe thunderstorms, hail, ice storms, flooding.
Can I get a free auto insurance quote for Leavenworth?
Yes! Call Rate Reduction Insurance at (888) 217-6781 for a free, no-obligation quote. Our licensed agents compare 5+ carriers to find the cheapest rate for your specific Leavenworth ZIP code β€” whether you're in Leavenworth South Side or Leavenworth Downtown/Central. Most quotes take under 2 minutes.
Why is car insurance so expensive in Leavenworth?
Leavenworth has 412 crashes per year, 108 DUI arrests annually, and a vehicle theft rate of 2.0 per 1,000. Combined with Leavenworth's 19.1 min average commute on highways like I-70, I-35, I-135, Kansas Tpk, these factors push premiums well above average. Comparing quotes regularly is the best way to save.
What ZIP code has the cheapest car insurance in Leavenworth?
ZIP code 66042 (Leavenworth South Side) tends to have the lowest rates in Leavenworth at around $1,715/year. The most expensive area is Leavenworth Downtown/Central (ZIP 66027) at $1,978/year β€” a difference of $263/year for the same driver profile.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

  1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
  2. Kansas Insurance Department β€” official state insurance regulator for Kansas.
  3. National Association of Insurance Commissioners (NAIC) β€” national insurance data and consumer resources.
  4. Kansas Division of Vehicles β€” Kansas vehicle registration and licensing requirements.
  5. Insurance Information Institute (III) β€” independent insurance education and research.
  6. National Highway Traffic Safety Administration (NHTSA) β€” crash and safety statistics.
  7. NHTSA FARS Database β€” fatal crash and DUI arrest data by state and locality.

Stop Overpaying for Auto Insurance in Leavenworth

Leavenworth drivers can save up to $351/year. ZIP 66042 (Leavenworth South Side) has the lowest rates starting at $1,715/yr.

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