What Car Insurance is Cheapest for 18 Year Olds in Kansas City?

Finding good, cost effective insurance is challenging, and deciding which company quotes the cheapest auto insurance rates for 18 year olds will require a little more work. Every insurance company uses a little different formula to determine rates, so we’ll take a look at the most affordable auto insurance companies in Kansas City.

We do need to point out that Kansas City, MO auto insurance rates are impacted by many factors that can increase the cost of a policy. That is why consumers need to perform a complete rate comparison to get the lowest insurance rates for 18 year olds. Auto insurance prices are determined by many risk factors and change frequently, so the most affordable company the last time you compared rates may now not even be in the top five.

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Missouri car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $668
2 The Hartford $817
3 Allied $849
4 Electric $867
5 Auto-Owners $997
6 Travelers $1,038
7 MO Farm Bureau $1,052
8 Nationwide $1,109
9 Farmers $1,139
10 Cameron Mutual $1,166
11 State Farm $1,258
12 American Family $1,291
13 Safeco $1,370
14 Progressive $1,382
15 GEICO $1,392
16 Safe Auto $1,405
17 MetLife $1,415
18 Shelter $1,462
19 California Casualty $1,469
20 Encompass $1,516
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USAA has some of the lowest car insurance rates in Kansas City at around $668 annually. This is $594 less than the average price paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners also are some of the cheapest Kansas City, MO insurance companies.

In this example, if you have coverage with Electric and switched to USAA, you may see a yearly savings of approximately $199. Insureds with Auto-Owners could save as much as $329 a year, and Travelers policyholders might lower prices by up to $370 a year.

These premium estimates are averages across all types of insureds and vehicles and and are not figured with a specific location for 18 year olds. So the insurer that fits your situation best may not even be in the top 23 companies in the list above. That emphasizes why you need to compare rates from as many companies as possible using your own individual information.

The make and model of vehicle to be insured is one of the biggest factors when quoting cheaper coverage for 18 year olds. Vehicles with reasonable performance levels, good crash test ratings, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models.

The list below illustrates auto insurance costs for a number of the cheaper vehicles to insure.

Cheapest Vehicles to Insure in Kansas City, MO
Vehicle Insured Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $3,879
Ford Escape Limited 2WD $3,921
Honda CR-V EX-L 4WD $3,931
Hyundai Elantra SE Touring Station Wagon $4,183
Toyota Prius $4,225
Ford Edge SE 2WD $4,299
Jeep Wrangler Rubicon 4WD 2-Dr $4,341
Chevrolet Silverado LS Extended Cab 4WD $4,603
Toyota RAV4 2WD $4,611
Chevrolet Impala LT $4,603
Chevrolet Equinox LT 2WD $4,613
Jeep Grand Cherokee Laredo 2WD $4,603
Dodge Grand Caravan Crew $4,645
Chevrolet Malibu LT $4,655
Ford Explorer Eddie Bauer AWD $4,645
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Data based on single female driver age 18, 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 specific garaging location which can affect auto insurance rates considerably.

Based upon the table data, we can conclude that vehicles like the Honda Accord, Ford Escape, Honda CR-V, Hyundai Elantra, and Toyota Prius are most likely to be some of the most budget-friendly vehicles to insure for teen drivers. Prices will trend higher because of the fact that there is more claim exposure for 18 year olds, but generally speaking those particular vehicles will most likely have the best insurance prices that you are likely to find.

Get discounts on Kansas City insurance

Save on auto insurance for teen drivers in Kansas CityInsurers that offer cheap quotes for 18 year olds may also provide premium discounts that could lower prices by 30% or more if you meet specific eligibility requirements. Popular auto insurance companies and some of their more popular discounts can be found below.

The illustration below compares auto insurance costs with and without policy discounts. The rates are based on a male driver, no claims or driving citations, Missouri state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with continuous coverage, anti-theft, good student, passive restraint, paid-in-full, and vehicle safety discounts applied. When drivers qualify for the discounts, theamount saved on auto insurance for 18 year olds is 28% or $475.

Cost of full coverage in Kansas City

Buying cheaper auto insurance is the goal of the majority of drivers, and one of the fastest ways to reduce the cost of insurance for 18 year olds is to only buy liability coverage. The diagram below compares car insurance costs with and without physical damage coverage. The rate quotes are based on no claims or violations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

If averaged out across all ages, physical damage insurance costs $1,125 per year over having just liability coverage. That is a significant amount which raises the question if paying for full coverage is a waste of money. There is no set rule for eliminating comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s claim settlement value is $4,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,500 after paying your deductible. If premium cost is more than $350 annually to have full coverage, then it may be the right time to buy liability only.

Choosing a good quality auto insurance provider can be difficult considering how many different companies there are to choose from in Missouri. The company ratings below could help you choose which auto insurance companies you want to consider purchasing coverage from. These ratings only include insurance companies that insure vehicles in the majority of U.S. states, so smaller companies are not taken into consideration for these rankings.

Best Auto Insurance Companies for 18 Year Olds 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

Comparing rates can save you money

Kansas City auto insurance rates are based on many factors that can increase the cost of coverage. Simply having a birthday, having a teen driver, or getting a couple of tickets may prompt premium changes that may make certain companies more affordable than the competition.

Not only may things change on your end, but car insurance companies file new Missouri auto insurance rates multiple times each year to reflect underwriting profits or losses. An unexpected high level of claims can cause high rates, while lower claims may produce cheaper Kansas City car insurance rates.

To help illustrate this point, the graph below shows which companies have the cheapest car insurance in Kansas City, MO for a 35-year-old male driver with a clear driving record, no claims, and great credit. Based on his current risk factors, USAA may offer the cheapest car insurance rates in Kansas City at $826 annually. This is $436 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and MO Farm Bureau also make the list of the best Kansas City, MO auto insurance companies.

The chart below compares rates after we give the driver from the first example a chargeable claim, a lower credit rating, and a few blemishes on his driving record. Since every car insurance company has a proprietary formula to establish rates, analyzing rate quotes could now result in a substantially altered list of the cheapest Kansas City car insurance companies as shown below.

Travelers now has the best price in Kansas City with Nationwide, Farmers, Cameron Mutual, and The Hartford now being in the top five. This illustrates why it is important to shop around to find the most budget-friendly auto insurance quotes for 18 year olds.

Insurance prices can be determined by many risk factors and change dramatically, so the cheapest company when you last compared rates may now be one of the higher cost companies.