Published June 23, 2026 · 40 years in trucking & the trades
What we cover in Hays
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Hays choose a local agent
When you're in Hays, Ellis County, you get a real person who knows KS — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Hays: the local picture
Hays presents a mixed risk profile for insurers. While the economy is stable, anchored by education and healthcare, the area experiences frequent hail, necessitating robust property coverage. A notable number of properties also face flood risk, indicating a need for careful flood insurance consideration.
Population: 21116 (2020)
Major local employers & who's hiring
- Best Radiator Warehouse — mechanic
- Warehouse Inc — services
- Carrico Implement — ag-commercial
- Midland Marketing Co-Op — gas station
Local Hays businesses
A few businesses that call Hays home — independent of our agency.
- GB Feeds — ag-commercial
- Best Radiator Warehouse — ag-commercial
- Warehouse Inc — ag-commercial
- Carrico Implement — ag-commercial
- Midland Marketing Co-Op — c-store
- Cenex — c-store
- Phillips 66 — c-store
- Fred Meyer Fuel Center — c-store
- Dillons Fuel Center — c-store
- Ol' 40 Express Convenience Store — c-store
- Commerce Bank — financial
- Equity Bank — financial
Local facts that shape your coverage
- As of the 2020 Census, the population of Hays, KS was 21,116. — Underwriting, demographic analysis.
- The largest industries by employment in Hays include Education Services (Fort Hays State University), Health Care & Social Assistance (Hays Medical Center), and Retail Trade. — Commercial insurance, business interruption, workers' compensation.
- The Hays, KS area has had 98 reports of on-the-ground hail by trained spotters and Doppler radar has detected hail on 151 occasions. — Property insurance, hail damage claims.
- Approximately 1,288 properties in Hays, KS are at risk of flooding over the next 30 years. — Flood insurance, property underwriting.
- 120 properties in Hays, KS have a 26% or greater chance of being severely affected by flooding over the next 30 years. — Flood insurance, high-risk property identification.
Local figures compiled from public sources: census.gov · datausa.io · interactivehailmaps.com · firststreet.org. Estimates — verify current details with the original source.
Insurance requirements in Kansas
Kansas is a no-fault state: along with liability, drivers must carry Personal Injury Protection (PIP), which pays your own medical costs regardless of who caused the crash. Kansas also sits in the heart of Tornado Alley, so hail and wind coverage is a real consideration for homes, farms, and businesses. We compare Kansas-admitted carriers to match those requirements to the right price. Verify current state minimums with the Kansas Insurance Department.
Hays, KS insurance — common questions
How much does insurance cost in Hays, KS?
Rates in Hays and Ellis County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Hays?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Hays and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Hays today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.