Who Has Affordable Car Insurance Rates for a School Permit in Kansas City?

Deciphering which company has the best insurance rates for a school permit will require more time in order to find the lowest price quote. Every insurance provider uses their own calculation for determining rates in each state, so let’s rank the most affordable insurance companies in Kansas City.

It’s a good idea to know that Kansas City insurance rates are impacted by many things which can significantly increase or decrease the price you pay. Simply getting older, becoming a homeowner, or having an at-fault accident can trigger rate changes resulting in some rates now being more affordable than competitors.

Best Auto Insurance Prices for Students

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Missouri car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $668
2 The Hartford $793
3 Allied $841
4 Electric $875
5 MO Farm Bureau $1,021
6 Auto-Owners $1,037
7 Travelers $1,038
8 Farmers $1,105
9 Nationwide $1,109
10 Cameron Mutual $1,190
11 State Farm $1,258
12 American Family $1,279
13 Safe Auto $1,363
14 Safeco $1,370
15 Progressive $1,410
16 MetLife $1,430
17 GEICO $1,448
18 Shelter $1,462
19 California Casualty $1,469
20 Auto Club $1,488
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USAA has some of the best car insurance rates in Kansas City at around $668 annually. This is $594 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and MO Farm Bureau also qualify as some of the best Kansas City, MO auto insurance companies.

In the rate table above, if you are insured with Allied and switched to USAA, you might realize a yearly savings of around $173. Missouri drivers with Electric may save as much as $207 a year, and MO Farm Bureau customers might lower prices by $353 a year.

Bear in mind that those policy prices are averaged across all ages of drivers and types of vehicles and and are not figured with an exact location for a school permit. So the auto insurance company that can offer the best rates for your situation may not even be in the top 23 companies in the list above. That affirms the importance of why you need to get auto insurance quotes using your own personal information and vehicle type.

One of the many considerations that are used to help calculate the price you pay for insurance is where you live. Regions with larger populations or more claims tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.

The information below ranks the most costly cities in Missouri for a school permit to purchase a policy in. Kansas City is ranked at #6 with an annual cost of $1,257 for the average insurance policy, which is around $105 each month.

How much does car insurance cost in Kansas City, MO?
Rank City Premium Per Year
1 Saint Louis $1,474
2 Florissant $1,459
3 University City $1,408
4 Raytown $1,277
5 Mehlville $1,272
6 Kansas City $1,257
7 Chesterfield $1,257
8 Wildwood $1,238
9 Kirkwood $1,235
10 Independence $1,227
11 Ballwin $1,196
12 Lee’s Summit $1,181
13 Joplin $1,160
14 Saint Joseph $1,156
15 Liberty $1,153
16 Wentzville $1,145
17 Saint Charles $1,140
18 Blue Springs $1,126
19 O’Fallon $1,123
20 Springfield $1,108
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Premium costs are estimated as specific location information can decrease or increase premium rates significantly.

Difference between full coverage and liability only rates

Reducing the cost of insurance is the goal of the majority of vehicle owners, and a great way to find cheap insurance for a school permit is to not buy full coverage. The illustration below illustrates the comparison of car insurance rates with and without physical damage coverage. The rates are based on no claims, a clean driving record, $100 deductibles, single status, and no discounts are applied.

As an average for all age groups, physical damage insurance costs $1,532 per year over and above liability coverage. At some point, every insured wonders if full coverage is worth the money. There is no clear-cut rule to delete physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s assume your vehicle’s replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $5,000 after the deductible is paid. If premiums are more than $500 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some circumstances where eliminating full coverage is not in your best interest. If you haven’t paid off your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

Selecting a highly-rated insurance company can be a challenge considering how many companies are available to choose from in Missouri. The ranking data shown next can help you select which companies you want to consider when shopping around.

The ratings below include companies who write in the majority of U.S. states, so companies with more of a regional focus are not taken into consideration for the list. To compare prices from many more Missouri auto insurance companies, just click here.

Top Insurance Companies for a School Permit in Missouri
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

How to find cheaper insurance for a school permit

The list below summarizes many money-saving ideas that can help drivers locate cheap coverage.

The last tip is particularly crucial, as was noted in the article above. Auto insurance rates in Kansas City fluctuate constantly, so don’t be hesitant to change insurance companies if you can save money.

Having a favorite company is great, but it’s not a great idea if it’s costing you money that could be going to better use. In just a couple of minutes you could shop around to find cheaper car insurance for a school permit.