Manhattan drivers pay an average of $1,989/year — $218 more than the national average. With 647 crashes per year and a 2.4 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $477/year.
(888) 217-6781Estimated full coverage auto insurance rates for Manhattan, KS from top carriers. Rates are adjusted for Manhattan's 647 annual crashes, 2.4 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $756 | $126/mo |
| Shelter Insurance | $822 | $137/mo |
| Progressive | $852 | $142/mo |
| Farm Bureau | $912 | $152/mo |
| State Farm | $930 | $155/mo |
Estimates based on 2026 rate filings for ZIP 66506. GEICO is cheapest at ~$126/mo. Actual rates vary by driver profile and exact Manhattan location.
These Manhattan-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Manhattan, KS. Takes under 2 minutes.
(888) 217-6781With 54,100 residents, Manhattan is a growing community in Kansas where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like tornadoes, severe thunderstorms, hail, ice storms, flooding and commuter corridors still influence premiums. Manhattan drivers often find rates slightly below the Kansas state average.
For official Kansas insurance regulations, visit the Kansas Insurance Department. For driver licensing, see the Kansas Division of Vehicles.
Your specific ZIP code within Manhattan can swing your premium by hundreds of dollars. Here's how rates compare across Manhattan neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 66515 | Manhattan South Side | $1,858/yr | $155/mo |
| 66511 | Manhattan North Side | $1,967/yr | $164/mo |
| 66514 | Manhattan West Side | $1,998/yr | $167/mo |
| 66514 | Manhattan East Side | $2,017/yr | $168/mo |
| 66506 | Manhattan Downtown/Central | $2,146/yr | $179/mo |
The cheapest ZIP is 66515 (Manhattan South Side) at $1,858/yr. The most expensive is 66506 (Manhattan Downtown/Central) at $2,146/yr — a $288/year difference for the same driver.
Your Manhattan ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Manhattan. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,177/yr | $348/mo | +110% vs avg |
| Young Adult (20-25) | $2,785/yr | $232/mo | +40% vs avg |
| Adult (26-35) | $1,989/yr | $166/mo | 0% vs avg |
| Mid-Career (36-50) | $1,750/yr | $146/mo | -12% vs avg |
| Senior (51-65) | $1,651/yr | $138/mo | -17% vs avg |
| 65+ | $1,770/yr | $148/mo | -11% vs avg |
Teens in Manhattan pay an average of $4,177/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,651/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.
Manhattan drivers can save up to $477/year. ZIP 66515 (Manhattan South Side) has the lowest rates starting at $1,858/yr.
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