How Much is Auto Insurance for Drivers Under 25 in Kansas City?

The vehicle model that needs insurance is probably the largest consideration when comparing the most affordable coverage for drivers under 25. Vehicles with average performance, modern passenger safety features, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models.

The information below estimates car insurance rates for a handful of the most cost-effective automobiles to insure in Missouri.

Cheapest Vehicles to Insure in Kansas City, MO
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $3,224
Ford Escape Limited 2WD $3,229
Ford F-150 XL Regular Cab 2WD $3,251
Chevrolet Silverado LS Regular Cab 4WD $3,486
Toyota Prius $3,508
Dodge Grand Caravan SE $3,533
Ford Explorer XLT 4WD $3,539
Ford Focus SE 4-Dr Sedan $3,723
Toyota RAV4 Limited 4WD $3,770
Chevrolet Equinox LT 2WD $3,776
Jeep Grand Cherokee Laredo 2WD $3,770
Volkswagen Jetta LE 4-Dr Sedan $3,778
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $3,818
Chevrolet Malibu LT $3,826
Chevrolet Impala LTZ $4,007
Honda Odyssey EX-L W/Navigation $4,017
Toyota Tacoma X-Runner 2WD $4,007
Hyundai Elantra GLS 4-Dr Sedan $4,012
Ford Edge Sport 2WD $4,007
Toyota Corolla XLE $4,017
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Data rating is based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in vehicle location which can change coverage prices noticeably.

Based upon the rates shown, we can tell that cars like the Honda CR-V, Ford Escape, and Ford F-150 are most likely to be some of the more affordable vehicles to insure for drivers age 25 and younger. The cost of auto insurance will tend to be more expensive anyway just due to the fact that there is more exposure for drivers under 25, but generally speaking those vehicles will probably have the cheapest auto insurance rates that you are likely to find.

One of the many factors that are looked at to help calculate the cost of insurance is your address. Regions with more people or even just more weather-related claims tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.

The table below rates the priciest cities in Missouri for drivers under 25 to purchase auto insurance in. Kansas City is listed at #6 with a yearly cost of $1,257 for the average policyholder, which is about $105 per month.

How much is auto insurance in Kansas City, MO?
Rank City Average Per Year
1 Saint Louis $1,430
2 Florissant $1,416
3 University City $1,366
4 Raytown $1,303
5 Independence $1,264
6 Kansas City $1,257
7 Kirkwood $1,235
8 Mehlville $1,222
9 Chesterfield $1,220
10 Ballwin $1,208
11 Wildwood $1,201
12 Liberty $1,201
13 Joplin $1,172
14 Saint Joseph $1,168
15 Lee’s Summit $1,146
16 Blue Springs $1,138
17 O’Fallon $1,134
18 Saint Charles $1,107
19 Wentzville $1,101
20 Saint Peters $1,095
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Information shown are comparative as the vehicle garaging location can modify coverage prices substantially.

Finding dependable, cheap auto insurance is not always easy, and figuring out which companies offer the best auto insurance rates for drivers under 25 may require more quotes for comparison. Each auto insurer uses slightly different criteria to determine rates, so first let’s look at the rankings for the most budget-friendly auto insurance companies in Kansas City, MO.

It’s a good idea to know that Missouri auto insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay. Price variation is why consumers need to perform an extensive rate comparison to get cheap insurance quotes for drivers under 25. Rates can be determined by many different factors and can increase or decrease at any time, so the cheapest option a year ago may now be wasting a lot of money.

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Cheapest auto insurance in Missouri ranked by cost per year
Rank Company Cost Per Year
1 USAA $668
2 The Hartford $817
3 Allied $849
4 Electric $875
5 Travelers $998
6 Auto-Owners $1,027
7 MO Farm Bureau $1,052
8 Nationwide $1,131
9 Farmers $1,151
10 Cameron Mutual $1,154
11 State Farm $1,234
12 American Family $1,279
13 Safe Auto $1,405
14 GEICO $1,406
15 Progressive $1,410
16 Safeco $1,412
17 MetLife $1,430
18 California Casualty $1,439
19 Shelter $1,447
20 Auto Club $1,488
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USAA quotes some of the cheapest car insurance rates in Kansas City at around $668 per year. The Hartford, Allied, Electric, and Travelers also make the cut as some of the most economical Kansas City, MO car insurance companies.

In this example, if you currently have coverage with The Hartford and switched to USAA, you could earn yearly savings of about $149. Missouri drivers with Allied could save as much as $181 a year, and Electric insureds might reduce rates by $207 a year.

If you would like to find cheaper car insurance rates, click here to get quotes or visit any of the low-priced companies below.

Understand that those policy rates are averages across all drivers and vehicles in Missouri and do not take into consideration an exact zip code location for drivers under 25. So the car insurance company that is most affordable for your situation may not even be in the top 23 companies in the list above. That underscores the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

The chart below shows how different deductible levels can raise or lower insurance costs when searching for cheap insurance for drivers under 25. The rate quotes are based on a married female driver, full coverage, and no discounts are factored in.

The data above shows that a 50-year-old driver could save $216 a year by increasing from a $100 deductible to a $500 deductible, or save $328 by using a $1,000 deductible. Even younger insureds, like the 20-year-old category, could possibly save $542 every year by choosing a larger deductible amount. When raising deductibles, it’s a good idea to have enough in a savings account to satisfy the extra out-of-pocket expense associated with higher deductibles.

Difference between full coverage and liability only rates

Reducing premiums for auto insurance should be important to most drivers, and one great way to buy cheap insurance for drivers under 25 is to not insure for full coverage. The chart below illustrates the difference between insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The information is based on no claims or violations, $100 deductibles, drivers are not married, and no policy discounts are applied.

If the expense is averaged for all age categories, full coverage on your policy costs $1,532 per year more than just buying liability only. That proposes the question if buying full coverage is a waste of money. There is no set rule of when to eliminate comp and collision coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% 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 cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after paying the physical damage deductible. If you are paying more than $500 annually for full coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where dropping full coverage is not advised. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Who has the cheapest Kansas City car insurance?

Missouri auto insurance rates are determined by lots of factors that can increase the price you pay for coverage. Improving your credit score, moving to a different location, or getting a DUI may generate price changes that can cause some rates to be cheaper than competitors. Additionally, car insurance companies file new rates without warning in order to protect their financial rating. Larger than normal claims may cause higher rates, while profitable underwriting may cause lower-priced Kansas City car insurance rates.

To help illustrate this point, the chart below analyzes the cheapest car insurance in Kansas City, MO for a 40-year-old male driver with a good driving record, no prior claims, and a high credit rating. If we estimate rates based on his current risk factors, USAA might quote the lowest car insurance rates in Kansas City at $825 annually. This is $437 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners are also on the list of the most affordable Kansas City, MO auto insurance companies.

Now we will pretend the driver from the first example an at-fault accident, a lower credit rating, and a speeding citation. Since each auto insurance company has a proprietary method to set their prices, getting updated rate quotes could result in a significantly different list of affordable companies as shown below.

MO Farm Bureau now has the cheapest insurance rate in Kansas City with Farmers, The Hartford, Nationwide, and Electric also having competitive pricing. This example proves why consumers need to compare many different companies when trying to get the most budget-friendly insurance quotes for drivers under 25. Rates can be altered by many factors and change substantially, so the best option when you last compared rates may now cost much more than other companies.