What Car Insurance is Cheapest for College Students in Kansas City?

Establishing which company offers the most affordable car insurance rates for college students requires more time in order to find the lowest price quote.

Each auto insurer uses a different method to set their prices, so we need to take a look at the most budget-friendly car insurance companies in Kansas City, MO. We do need to point out that Kansas City car insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay. Simply improving your credit, getting divorced, or getting a ticket for careless driving can cause premium changes that can make some companies much cheaper than others.

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Cheapest Missouri auto insurance companies
Rank Company Cost Per Year
1 USAA $662
2 The Hartford $785
3 Electric $875
4 Allied $875
5 Travelers $998
6 Auto-Owners $1,007
7 MO Farm Bureau $1,032
8 Nationwide $1,098
9 Farmers $1,139
10 Cameron Mutual $1,202
11 State Farm $1,221
12 American Family $1,253
13 Safe Auto $1,405
14 MetLife $1,415
15 Progressive $1,424
16 Safeco $1,426
17 Shelter $1,447
18 GEICO $1,448
19 California Casualty $1,469
20 Auto Club $1,518
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USAA quotes some of the cheapest car insurance rates in Kansas City at around $662 each year. The Hartford, Electric, Allied, and Travelers also rank well as some of the more affordable Kansas City, MO insurance companies.

As illustrated above, if you are insured with The Hartford and switched to USAA, you might realize annual savings of in the vicinity of $123. Policyholders with Electric may save as much as $213 a year, and Allied customers might see rate reductions of $213 a year.

To find out how much you can save, click here to start a quote or click several companies below for low rates.

It’s important to note that these policy rates are averages across all insureds and vehicles and and are not figured with an exact location for college students. So the insurer that is best for you may not even be in the list above. That illustrates why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

The type of vehicle you are seeking coverage for is probably the biggest factor that determines whether or not you find cheap auto insurance for college students. Vehicles with higher performance, poor crash test ratings, or a high likelihood of having liability claims will cost substantially more to insure than safer models.

The next table illustrates insurance costs for some of the more affordable vehicles to buy insurance for.

Cheapest Vehicles to Insure in Kansas City, MO
Vehicle Insured Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $2,711
Honda CR-V EX-L 4WD $2,751
Jeep Wrangler Sport 4WD 2-Dr $2,827
Ford Escape Limited 4WD $2,925
Toyota Prius $2,965
Ford F-150 XL Super Cab 2WD $3,001
Dodge Grand Caravan SE $3,041
Ford Explorer XLT 2WD $3,048
Volkswagen Jetta 2.0T Station Wagon $3,139
Chevrolet Impala LS $3,175
Honda Odyssey EX $3,185
Chevrolet Malibu Hybrid $3,215
Toyota RAV4 Sport 2WD $3,225
Chevrolet Equinox LT 2WD $3,215
Chevrolet Silverado LS Regular Cab 2WD $3,250
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $3,255
Ford Edge Sport 2WD $3,389
Toyota Camry SE $3,399
Nissan Altima 2.5 S 4-Dr Sedan $3,389
GMC Sierra SLT Crew Cab 2WD $3,429
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Above prices assume single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can alter rates substantially.

Based upon the table data, you can infer that makes and models like the Hyundai Elantra, Honda CR-V, Jeep Wrangler, and Ford Escape are likely to be the cheapest vehicles to insure for students in college. The price for an auto insurance policy will be more expensive because there is a higher risk for college students, but overall those specific models will have the lowest prices compared to other vehicles.

Impact of careless driving on Kansas City car insurance rates

The easiest way to snag low car insurance prices in Missouri for students in college is to drive safely and avoid accidents and traffic violations. The illustration below illustrates how speeding tickets and at-fault accidents increase premium costs for each different age category. Data assumes a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

In the prior example, the average cost of car insurance in Missouri per year with no violations or accidents is $936. Factor in two speeding tickets and the average cost increases to $1,322, an increase of $386 each year. Now add in one accident along with the two speeding tickets and the annual cost of car insurance for college students goes up to an average of $1,714. That’s an increase of $778, or $65 per month, just for being a careless driver!

Kansas City car insurance companies ranked

Insuring your vehicle with a good quality auto insurance provider can be rather challenging considering how many companies sell coverage in Kansas City. The ranking data shown below could help you choose which auto insurers you want to consider when comparing insurance rates for college students.

These ratings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Missouri or surrounding areas are not taken into consideration for the list. To compare rates from these top-rated insurers and more, follow this link.

Top 10 Large Auto Insurers in Kansas City Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. AAA Insurance
  7. Safeco Insurance
  8. GEICO
  9. Esurance
  10. The General

Top 10 Large Auto Insurers 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-

The diagram below highlights how deductible selection can increase or decrease yearly insurance costs when trying to find cheap insurance for college students. The information is based on a single female driver, full coverage, and no discounts are taken into consideration.

A 40-year-old driver could pocket $210 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $320 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old, could possibly save up to $536 every year by using a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be required to have additional savings on hand to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

How to find the cheapest insurance for college students

It is possible to find better rates, and here are some thrifty suggestions that can help you buy cheap coverage.

That last idea is especially valuable, as was discussed in this write-up. Prices charged by auto insurers in Kansas City can change in a short period of time, so don’t hesitate to buy from a different company if a cheaper rate is available.

Sticking with a specific company is fine, but is isn’t recommended if that dedication is costing hundreds every year. Now is a great time to shop around to find cheaper auto insurance for college students.