Car Insurance in Manhattan, KS

The right car insurance in Manhattan, KS, can protect your budget from the impact of an unexpected accident, theft or even animal attack.
Compare, shop and customize quotes from top-rated insurance carriers.

Make Your Way to Manhattan, KS

Sometimes called the Little Apple in a nod to its East Coast counterpart, Manhattan, KS, has a personality all its own. Best known as the home of Kansas State University, Manhattan has a population of just over 54,000 residents. It's located in the rolling grasslands of the Flint Hills region at the intersection of the Big Blue and Kansas rivers. Manhattan offers a regional airport, public transit and access to several major highways, not to mention the cultural attractions in your own backyard.

Motorist Life in Manhattan

While rail and bus routes are available in Manhattan, most commuters drive or ride with another driver. According to Sperling's Best Places, 74% of residents drive their own cars to work and 8.5% carpool. The city has three direct exits to I-70/US-40, as well as connections with US-24 and several state routes.

The average commute time is only about 14 minutes, well below the U.S. average of 26.4 minutes. Many Manhattan residents work for either the university or the city public school system.

Concerns for Manhattan, KS, Drivers

Severe weather could pose a risk to your vehicle. Manhattan is located in the region's Tornado Alley, which has a significantly elevated rate of tornadoes and other windstorms. Comprehensive car insurance in Manhattan, KS, covers car damage caused by these events.

Motorists should also be aware of common road risks in the state. The Kansas Department of Transportation reports that driver distraction is the top cause of local accidents. Seatbelt use is also a critical factor. DOT data indicates that the state had 424 auto accident fatalities in 2021, and more than 54% of these individuals were not wearing a seatbelt at the time of the crash. Nearly two-thirds of accidents happen in urban areas and 60% happen during the day.

Average Cost of Car Insurance in Manhattan, KS

Bankrate reports that the state average auto insurance premium in Kansas is $1,878 for an annual full coverage policy. In comparison, the U.S. average is about $2,014 per year for a similar policy. Manhattan residents pay even less with an average annual full coverage cost of $1,744. The state's very low rate of property crimes contributes to its affordable auto insurance rates.

Every provider has its own formula to determine car insurance premiums. Factors that affect rates include everything from your age to the type of car to your exact address. You can potentially save hundreds by shopping around. It's easy to get multiple quotes when you compare rates online with VIU by HUB.

Kansas Auto Insurance Requirements

Kansas has complicated car insurance requirements compared to the laws in other states. You must have at least:

  • $25,000 per person and $50,000 per accident in bodily injury liability
  • $25,000 per person and $50,000 per accident in uninsured motorist bodily injury liability
  • $25,000 per accident in property damage liability
  • $25,000 per person and $50,000 per accident in underinsured motorist bodily injury liability
  • $4,500 per person for personal injury protection

You can also purchase optional coverage for comprehensive claims, collision damage, end-of-life expenses, rehabilitation costs and survivor benefits. If you have an auto loan, your lender may also have insurance requirements under the terms of your contract.

You can find great prices on the necessary car insurance in Manhattan, KS, with VIU by HUB. Compare online quotes for personalized coverage in minutes.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Kansas Department of Transportation

Sperling's Best Places

Auto insurance in Kansas by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.