Emporia Car Insurance Rate Guide (2025)

Ahh, Emporia! If you love disc golf, great food, and good vibes, this is the place to be—and it’s my home. Since moving here in 2019, I’ve fallen in love with Emporia’s tight-knit community. Because I live here, and many of the people I serve do too, I thought it was only fitting to create a Rate Guide for Emporia, just like I did for Wichita.

The graph below is a great starting point if you’re shopping for car insurance and aren’t sure which company offers the best rate. Of course, your personal situation will affect your monthly premium, but these numbers give you a rough idea of what the average driver in Emporia might pay. The blue bar shows liability-only coverage at state minimums, while the pink bar represents full coverage with higher liability limits.

Curious about the difference between liability only and full coverage? Click here to read all about it.

Key sources for the rates and company rankings:
MarketWatch: Kansas car insurance company averages and methodology
https://www.marketwatch.com/insurance-services/auto-insurance/best-car-insurance-kansas/
Bankrate: Kansas and Emporia car insurance averages
https://www.bankrate.com/insurance/car/kansas/
Emporia Gazette: Local insurance news and rate context
https://www.emporiagazette.com/news/state/collection_1ab7ea3a-6cb9-5425-9d29-064b11f9d732.html
Insurantly: Kansas car insurance rate breakdowns
https://www.insurantly.com/kansas-car-insurance/
State Farm Emporia: Local agent rate context
https://www.statefarm.com/local/kansas/emporia

Rates can vary a lot depending on your situation—there’s no one-size-fits-all insurance company. Personally (and yes, I’m a bit biased), I recommend letting a broker shop around for you.

Want to know which carriers might be the best fit for your needs? Check out my article: Choosing the Right Car Insurance.

Any questions? I “Noah” guy. Comment below or reach out to me via email: Noah@Theelinsurance.com

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