It’s impossible to miss the catchy commercials from companies like The General and Farmers claiming huge savings. So you just need to choose the one with the most memorable commercial, right?
Unfortunately, it’s not that simple as there are a lot of unknown aspects such as if you are a man or woman, your annual mileage driven, the level of liability coverage you want, and if you have a spouse. We will try to cover some of these topics and will give you a good start in finding the cheapest insurance in Kansas City.
Finding out which companies have the best auto insurance rates for 16 year olds will involve a little more sweat than just getting one or two price quotes. Each company uses their own method for setting prices, so to begin we’ll rank the most competitive auto insurance companies in Kansas City.
It’s a good idea to be aware that Kansas City auto insurance rates are influenced by many factors that control the price you have to pay. Simply having a birthday, getting divorced, or having an at-fault accident can trigger changes in premium that can cause some rates to be affordable when they were higher priced.
Best Car Insurance Prices for Teens
USAA has some of the cheapest car insurance rates in Kansas City at around $662 each year. The Hartford, Electric, Allied, and Auto-Owners also qualify as some of the more affordable Kansas City, MO auto insurance companies.
As shown in the rates above, if you are currently insured with The Hartford and switched to USAA, you could earn savings of roughly $131. Drivers with Electric may save as much as $187 a year, and Allied policyholders might reduce prices by as much as $205 a year.
Remember that these policy rates are averaged across all ages of drivers and types of vehicles and do not take into consideration an exact zip code location for 16 year olds. So the auto insurance company that is best suited for you may not even be in the top 23 companies shown above. That’s why you need to compare prices as often as possible using your own driver data and vehicle information.
The vehicle model that is being insured is one of the main factors when shopping around for the best cheap coverage for 16 year olds. Vehicles with high performance, poor safety ratings, or a high likelihood of having liability claims will cost much more to insure than safer, lower-performance models.
The table below outlines insurance costs for the cheaper automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $5,321 |
| Honda Accord EX 4-Dr Sedan | $5,331 |
| Honda CR-V EX-L 2WD | $5,373 |
| Ford Escape Limited 4WD | $5,699 |
| Toyota Prius | $5,748 |
| Chevrolet Silverado LS Regular Cab 4WD | $5,931 |
| Ford Edge SE 2WD | $5,940 |
| Dodge Grand Caravan CV | $5,983 |
| Ford F-150 STX Regular Cab 4WD | $5,990 |
| Ford Explorer XLT AWD | $5,983 |
| Honda Odyssey EX | $6,257 |
| Chevrolet Equinox LS AWD | $6,309 |
| Toyota RAV4 Sport 2WD | $6,316 |
| Toyota Tacoma Double Cab 4WD | $6,309 |
| Chevrolet Malibu LS | $6,316 |
| Toyota Corolla LE | $6,635 |
| Chevrolet Impala LTZ | $6,640 |
| Toyota Camry SE | $6,635 |
| Nissan Altima Hybrid 4-Dr Sedan | $6,684 |
| Jeep Grand Cherokee Limited 2WD | $6,694 |
| Find Cheaper Rates Go | |
Table data represents single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in your specific Kansas City, MO location which can revise premiums significantly.
By looking at the data, we can expect cars like the Hyundai Elantra, Honda Accord, Honda CR-V, and Ford Escape will be the most affordable vehicles to insure for new drivers. Auto insurance rates will tend to be more expensive because there is more claim exposure for 16 year olds, but overall those makes and models will probably have the best insurance prices compared to all other vehicles.
Get discount Kansas City auto insurance
Insurance providers that sell policies for 16 year olds may also give you policy discounts that could reduce prices by 25% or more if you meet the requirements. A few popular companies and their offered discounts can be found below.
- GEICO may include discounts for multi-policy, driver training, good student, membership and employees, and military active duty.
- MetLife includes discounts for good driver, multi-policy, claim-free, defensive driver, accident-free, and good student.
- State Farm offers premium reductions for multiple autos, passive restraint, good driver, Drive Safe & Save, and Steer Clear safe driver discount.
- Progressive offers discounts including multi-vehicle, online quote discount, multi-policy, good student, continuous coverage, and homeowner.
- Mercury Insurance may offer discounts for good driver, low natural disaster claims, ease of repair, anti-theft, and age of vehicle.
- 21st Century has savings for theft prevention, homeowners, teen driver, air bags, automatic seat belts, student driver, and driver training.
- Allstate has discounts for senior citizen, FullPay discount, teenSMART discount, resident student, economy car, defensive driver, and new car.
The information below compares insurance costs with and without some available policy discounts. The premiums assume a male driver, no violations or accidents, Missouri state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with paid-in-full, continuous coverage, paperless filing, passive restraint, good student, and vehicle safety discounts applied. With discounts applied, theaverage yearly reduction on auto insurance for 16 year olds is 28% or $461.
Insurance rate increases from tickets or accidents
The obvious way to earn the most affordable auto insurance prices in Kansas City for new drivers is to drive attentively and avoid accidents and violations. The chart below illustrates how violations and at-fault accidents can influence annual premium costs for each different age category. The premium estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
In the example above, the average cost of auto insurance in Kansas City per year with a clean driving record and no accidents is $1,086. Factor in one speeding ticket and the average cost hikes up to $1,263, an increase of $176 each year. Next add two accidents along with the one speeding ticket and the annual cost of auto insurance for 16 year olds increases to an average of $2,790. That’s an increase of $1,703, or $142 per month, just for not being attentive to the road!
Why you should compare rates
Kansas City, MO auto insurance rates are determined by lots of factors that will increase or decrease the policy premium. Improving your credit rating, buying a home, or getting a couple of tickets can trigger rate changes that can cause some rates to be more affordable than before.
Not only may your risk profile change, but insurers modify pricing as needed to help ensure profitability. An extended period of higher than normal claims can cause rate increases, while profitable underwriting may result in lower-priced Kansas City car insurance rates.
For instance, the bar chart below shows the company with the cheapest car insurance in Kansas City, MO for a 45-year-old female driver with no accidents, a clean driving record, and a decent credit rating. If we estimate prices based on her current risk factors, USAA has the most affordable car insurance rates in Kansas City at $817 a year. This is $445 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers round out the rest of the best Kansas City, MO auto insurance companies.
In the next rate comparison, we’ll give the driver from the first set of rates an accident claim, a lower credit score, and a speeding ticket. Since each insurance company uses their own method for setting rates, comparing prices most likely will result in a different ranking of cheap Kansas City auto insurance companies as shown below.
MO Farm Bureau now has the lowest price in Kansas City, MO with The Hartford, Nationwide, Farmers, and Electric now being in the top five. This example demonstrates why consumers need to take the time to compare as many rates as possible to get cheap auto insurance quotes for 16 year olds. Rates can be determined by many factors and change substantially, so the cheapest company three years ago may now be one of the more expensive options.