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Cheap Auto Insurance in Newton, KS

Newton drivers pay an average of $1,830/year β€” $59 more than the national average. With 239 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $318/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

Newton, KS Auto Insurance Rates by Carrier (2026)

Estimated full coverage auto insurance rates for Newton, KS from top carriers. Rates are adjusted for Newton's 239 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:

Insurance Company6-Month PremiumMonthly Cost
GEICO ⭐$695$116/mo
Shelter Insurance$756$126/mo
Progressive$783$131/mo
Farm Bureau$839$140/mo
State Farm$855$143/mo

Estimates based on 2026 rate filings for ZIP 67117. GEICO is cheapest at ~$116/mo. Actual rates vary by driver profile and exact Newton location.

Newton Driving Safety & Insurance Stats

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

$1,830
Avg. Annual Premium
239
Crashes Per Year
2
Fatal Crashes/Year
56
DUI Arrests/Year
1.9 per 1,000
Vehicle Thefts
8%
Uninsured Drivers
20.1 min
Avg. Commute
19K
Population

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Auto Insurance in Newton: What Drives Your Rate

Newton is a smaller city in Kansas with a population of 18,602. 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 Newton.

Key Risk Factors in Newton

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 Newton, KS

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

ZIP CodeNeighborhoodAvg. AnnualMonthly
67129Newton South Side$1,750/yr$146/mo
67118Newton North Side$1,760/yr$147/mo
67129Newton West Side$1,837/yr$153/mo
67127Newton East Side$1,857/yr$155/mo
67117Newton Downtown/Central$2,005/yr$167/mo

The cheapest ZIP is 67129 (Newton South Side) at $1,750/yr. The most expensive is 67117 (Newton Downtown/Central) at $2,005/yr β€” a $255/year difference for the same driver.

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

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Auto Insurance Rates by Age in Newton, KS

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

Age GroupAvg. AnnualMonthlyvs. City Avg
Teen (16-19)$3,843/yr$320/mo+110% vs avg
Young Adult (20-25)$2,562/yr$214/mo+40% vs avg
Adult (26-35)$1,830/yr$153/mo0% vs avg
Mid-Career (36-50)$1,610/yr$134/mo-12% vs avg
Senior (51-65)$1,519/yr$127/mo-17% vs avg
65+$1,629/yr$136/mo-11% vs avg

Teens in Newton pay an average of $3,843/year β€” 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,519/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 Newton

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:

Newton, KS Auto Insurance FAQ

How much is car insurance in Newton, KS?
The average annual auto insurance premium in Newton is $1,830, which is $59 above the national average. Rates range from $1,750/yr in Newton South Side (ZIP 67129) to $2,005/yr in Newton Downtown/Central (ZIP 67117). Your driving record, age, vehicle, and exact ZIP code all affect your rate.
Who has the cheapest auto insurance in Newton?
GEICO typically offers the cheapest full coverage in Newton at around $116/month. However, with 239 annual crashes and a 8% uninsured driver rate in Newton, 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 Newton, KS?
Newton follows Kansas state law requiring minimum liability of 25/50/25. However, with 239 crashes per year and 2 fatal crashes annually in Newton, experts recommend at least 50/100/50 coverage plus comprehensive and collision to protect against Newton's risks including tornadoes, severe thunderstorms, hail, ice storms, flooding.
Can I get a free auto insurance quote for Newton?
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 Newton ZIP code β€” whether you're in Newton South Side or Newton Downtown/Central. Most quotes take under 2 minutes.
Why is car insurance so expensive in Newton?
Newton has 239 crashes per year, 56 DUI arrests annually, and a vehicle theft rate of 1.9 per 1,000. Combined with Newton's 20.1 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 Newton?
ZIP code 67129 (Newton South Side) tends to have the lowest rates in Newton at around $1,750/year. The most expensive area is Newton Downtown/Central (ZIP 67117) at $2,005/year β€” a difference of $255/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 Newton

Newton drivers can save up to $318/year. ZIP 67129 (Newton South Side) has the lowest rates starting at $1,750/yr.

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