Compare Rates From Top Ellsworth Insurers
Car Insurance — Company Comparison
| Insurer | NAIC Complaint Index | J.D. Power Score | AM Best Rating | Est. Monthly | Best For |
|---|---|---|---|---|---|
|
State Farm Largest U.S. insurer |
710 / 1,000 | A++ | $162 | Local agent support, bundling discounts | |
|
GEICO Berkshire Hathaway |
685 / 1,000 | A++ | $144 | Lowest rates, military discounts, online convenience | |
|
Progressive 2nd largest U.S. insurer |
665 / 1,000 | A+ | $181 | Most coverage options, Name Your Price tool | |
|
Allstate Est. 1931 |
690 / 1,000 | A+ | $196 | Pay-per-mile, Drivewise app, new car replacement | |
|
Liberty Mutual Fortune 100 |
670 / 1,000 | A | $185 | Accident forgiveness, new car replacement | |
|
Farmers Zurich Group |
695 / 1,000 | A | $189 | Bundling discounts, Signal app savings | |
|
USAA Military families only |
890 / 1,000 | A++ | $134 | Best overall satisfaction (military/veterans only) | |
|
Nationwide On Your Side |
700 / 1,000 | A+ | $166 | Vanishing deductible, pet coverage, SmartRide |
Kansas Car Insurance Requirements
Kansas law requires drivers to carry minimum liability insurance. Here are the current state minimums — most experts recommend higher limits:
Car Insurance Tips for Ellsworth
For drivers in Ellsworth, Kansas, understanding car insurance requires a close look at the unique blend of small-town driving and the powerful weather risks of the central plains. With a population of just over 3,100, Ellsworth experiences relatively light traffic compared to urban centers, but local driving conditions are shaped by its rural character. Many residents commute along two-lane highways like K-140 and US-156, or navigate farm-to-market roads where encounters with slow-moving agricultural equipment and wildlife, particularly deer, are common. These conditions increase the likelihood of single-vehicle collisions or animal strikes, making comprehensive coverage a wise consideration despite the town’s low population density.
The climate in Ellsworth poses significant and distinct risks to your vehicle and your premium. While Kansas is not a hurricane zone, the area sits squarely in Tornado Alley, with spring and early summer bringing a heightened threat of tornadoes and severe straight-line winds. Hailstorms are a frequent and expensive hazard, capable of causing thousands of dollars in damage to a car’s body and glass in minutes. Flash flooding is also a concern, especially along low-lying roads near the Smoky Hill River. Winter brings its own challenges: ice storms and heavy snow can make roads treacherous, often leading to slide-offs and collisions. These weather patterns directly influence comprehensive and collision coverage costs, as insurers in this region must account for a higher frequency of total-loss claims from hail and wind.
Local factors beyond the weather also shape your insurance needs. Ellsworth’s location at the intersection of I-70 and K-156 means that while the town itself is quiet, it provides a direct route for high-speed, long-distance traffic that passes through. This proximity to a major interstate can increase the risk of accidents involving out-of-state drivers, who may be unfamiliar with local road conditions. The uninsured driver rate in Kansas stands at 8.4%, meaning that roughly one in twelve drivers on the road near Ellsworth lacks liability coverage. Given that the Kansas state minimum liability is 25/50/25—$25,000 per person for injury, $50,000 per accident, and $25,000 for property damage—this minimum may be insufficient if you are hit by an uninsured motorist. The average annual premium in Kansas is approximately $2,120, but Ellsworth drivers may see variations based on their exact driving history and vehicle type. To protect against the combination of rural hazards, severe weather, and uninsured drivers, it is prudent to consider uninsured motorist coverage and higher liability limits than the state floor.