Who Has Affordable Kansas City Car Insurance Quotes for Young Drivers?

The words “low-priced” and “insurance” really shouldn’t be used together, especially when comparison shopping for the cheapest auto insurance for young drivers. Let’s introduce you to a few of the things that can significantly affect car insurance prices, and come up with some ideas to lower the price of the next policy you buy.

Figuring out which company offers the cheapest auto insurance rates for young drivers requires a bit more work in order to find coverage that fits your budget.

Every car insurance company has their own guidelines to establish rates, so we need to take a look at the most budget-friendly auto insurance companies in Kansas City, MO.

Best Car Insurance Prices for Teens

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What’s the cheapest car insurance in Missouri?
Rank Company Cost Per Year
1 USAA $648
2 The Hartford $793
3 Allied $867
4 Electric $875
5 Travelers $998
6 MO Farm Bureau $1,021
7 Auto-Owners $1,037
8 Farmers $1,117
9 Nationwide $1,131
10 Cameron Mutual $1,190
11 American Family $1,241
12 State Farm $1,271
13 Safe Auto $1,377
14 Progressive $1,382
15 Safeco $1,426
16 GEICO $1,448
17 Shelter $1,462
18 MetLife $1,473
19 Auto Club $1,473
20 California Casualty $1,483
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USAA has some of the cheapest car insurance rates in Kansas City at around $648 each year. This is $614 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers also make the cut as some of the most economical Kansas City, MO auto insurance companies.

As the rates illustrate above, if you currently have coverage with Travelers and switched to The Hartford, you might achieve savings of upwards of $205. Insureds with MO Farm Bureau may save as much as $228 a year, and Auto-Owners insureds might lower prices by up to $244 a year.

To compare your rates to other Missouri insurance companies, click here to start a quote or quote rates from the companies below.

These rates are averages across all drivers and vehicles in Missouri and and are not calculated with a specific vehicle garaging location for young drivers. So the car insurance company that fits your needs best may not even be in the top 23 companies shown above. That illustrates why you need to compare prices as often as possible using your own driver and vehicle profiles.

The make and model of vehicle that needs insurance is a large consideration when comparing the best cheap auto insurance for young drivers. Vehicles with high performance, poor crash test ratings, or an increased likelihood of liability claims will cost substantially more to insure than more economical and safe models.

The list below illustrates coverage prices for a selection of the cheapest vehicles to buy insurance for.

Cheapest Vehicles to Insure in Kansas City, MO
Vehicle Insured Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $5,330
Honda CR-V LX 2WD $5,336
Hyundai Elantra GLS Touring Station Wagon $5,330
Ford Escape XLT 2WD $5,339
Volkswagen Jetta S 2.5 Station Wagon $5,708
Toyota Prius $5,757
Jeep Wrangler Sport Islander Package 4WD 2-Dr $5,943
Ford Focus S 4-Dr Sedan $6,269
Ford Edge SEL 2WD $6,279
Ford Fusion S 4-Dr Sedan $6,321
Jeep Grand Cherokee Laredo 2WD $6,327
Nissan Altima 2.5 4-Dr Sedan $6,321
Toyota RAV4 Sport 2WD $6,326
Chevrolet Malibu LS $6,321
Chevrolet Impala LT $6,330
Ford Explorer Eddie Bauer AWD $6,371
Toyota Tacoma Double Cab 4WD $6,378
Dodge Grand Caravan SXT $6,371
Chevrolet Silverado LS Regular Cab 2WD $6,474
Toyota Camry XLE $6,647
Toyota Corolla LE $6,654
Honda Odyssey EX-L $6,647
Chevrolet Equinox LTZ 2WD $6,697
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Above prices assume 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. Premium costs do not factor in specific Kansas City, MO garaging location which can influence premium rates noticeably.

Looking at the data, we can conclude that vehicles like the Honda Accord, Honda CR-V, Hyundai Elantra, and Ford Escape will be some of the cheaper vehicles to insure for youthful drivers. The price for an auto insurance policy will be higher anyway because there is more exposure for young drivers, but in general those vehicles will most likely have the cheapest auto insurance rates available.

Picking the right company can be difficult considering how many choices you have in Kansas City. The information listed below can help you select which insurers you want to consider when shopping insurance around for young drivers. These rankings are for companies with a nationwide focus, so companies that may only write in Missouri are not factored into this list.

Top 10 Large Car Insurance Companies in Kansas City Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Nationwide – A+
  6. Esurance – A+
  7. The Hartford – A+
  8. Progressive – A+
  9. Allstate – A+
  10. The General – A-

Top 10 Large Car Insurance Companies in Kansas City Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Liberty Mutual
  5. State Farm
  6. Allstate
  7. Safeco Insurance
  8. Travelers
  9. 21st Century
  10. Nationwide

Irresponsible driving raises your rates

The obvious way to snag cheap auto insurance premiums for youthful drivers is to drive cautiously and avoid accidents and traffic violations. The information below highlights how traffic violations and at-fault accidents raise yearly insurance costs for each age group. The information is based on a single female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of auto insurance per year with a clean driving record and no accidents is $1,614. Add in two speeding tickets and the average cost increases to $2,175, an increase of $561 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for young drivers jumps again to an average of $4,078. That’s an increase of $2,464, or $205 per month, just for not driving carefully!

Cost of full coverage

Paying less for auto insurance should be important to most people, and one of the best ways to buy cheap insurance for young drivers is to not buy comprehensive and collision coverage. The diagram below illustrates the difference between premium costs with full coverage compared to only the Missouri minimum liability coverage. The information is based on no claims or driving violations, $500 deductibles, marital status is single, and no discounts are applied.

If we average all the age groups together, full coverage costs an additional $1,708 per year more than carrying just liability coverage. That raises the question if it’s a good idea to buy full coverage. There is no clear-cut rule to delete comp and collision coverage, but there is a general convention. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your vehicle’s replacement value is $10,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $9,000 after the deductible is paid. If premium cost is more than $900 a year to have full coverage, then it might be time to buy liability only.

You are probably paying too much for car insurance

Missouri auto insurance rates are influenced by many factors that will increase or decrease your annual premium. Simply getting older, becoming a homeowner, or getting a DUI can trigger changes in premium resulting in some companies being more affordable than others. Not only may your situation change, but companies file new rates multiple times each year in order to protect their financial rating. A period of increased losses may cause more expensive premiums, while lower claim levels may cause lower-cost Kansas City car insurance rates.

As an example, the bar chart below shows which company has the cheapest car insurance in Kansas City, MO for a 30-year-old male driver with no accidents or violations, and solid credit. When quoting prices based on his current risk factors, USAA may offer the most affordable car insurance rates in Kansas City at $818 each year. This is $444 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners are the remainder of the best Kansas City, MO auto insurance companies.

In this example, we will give the driver from above a claim, bad credit, and a few blemishes on his driving record. Due to the fact that every insurance company has a unique formula for setting rates, comparing prices most likely will result in a different ranking of companies as shown below.

MO Farm Bureau now has the lowest car insurance rate in Kansas City, MO with The Hartford, Nationwide, Allied, and Farmers also being competitive. This example demonstrates why drivers need to perform an extensive rate comparison to find the best insurance rates for young drivers.

Rates can be altered by many different factors and change frequently, so the most economical option two years ago may now be wasting a lot of money.