What Insurance is Cheapest for a Learners Permit in Kansas City?

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The words "low-priced" and "insurance" probably shouldn't be used in the same sentence, specifically when comparison shopping for the best car insurance rates for a learners permit. In an attempt to save some money, let's open your eyes to some of the things that significantly impact car insurance prices, and see how we can help you lower the cost of the next policy you buy.

One of the more important criteria that are used to help calculate car insurance rates is where you keep your car in Kansas City. Areas with increased crime or more people will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims receive better rates.

The illustration below lists the highest-priced places in Missouri for a learners permit to buy auto insurance in. Kansas City is ranked at #5 with the yearly price of $1,283 for the average policyholder, which is around $107 each month.

How much is car insurance in Kansas City?
Rank City Annual Premium
1 Saint Louis $1,444
2 University City $1,408
3 Florissant $1,401
4 Raytown $1,316
5 Kansas City $1,283
6 Mehlville $1,235
7 Ballwin $1,232
8 Kirkwood $1,223
9 Chesterfield $1,220
10 Independence $1,214
11 Wildwood $1,214
12 Blue Springs $1,172
13 Joplin $1,172
14 Liberty $1,165
15 Wentzville $1,145
16 Lee's Summit $1,135
17 Saint Joseph $1,134
18 Saint Charles $1,096
19 Saint Peters $1,095
20 Cape Girardeau $1,094
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Prices are estimated as the garaging address in Kansas City can change premium rates significantly.

The make and model of vehicle that is being insured is one of the main factors when comparing quotes for the most economical coverage for a learners permit. Vehicles with limited speed and performance, a great safety record, or a track record of few liability claims will cost substantially less to insure than higher performance models. The data below presents auto insurance costs for a selection of the more affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Kansas City, MO
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $4,459
Ford Escape Limited 2WD $4,502
Toyota Prius $4,828
Jeep Wrangler Sahara 4WD 2-Dr $5,006
Honda Civic DX 4-Dr Sedan $5,245
Ford Fusion S 4-Dr Sedan $5,287
Chevrolet Equinox LT 2WD $5,296
Toyota RAV4 Sport 2WD $5,287
Nissan Altima 2.5 4-Dr Sedan $5,292
Chevrolet Silverado LT Extended Cab 4WD $5,287
Chevrolet Malibu LT $5,332
Ford Explorer Limited 4WD $5,342
Dodge Grand Caravan Crew $5,332
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Table data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in vehicle garaging location which can alter rates greatly.

Based upon the rates shown, cars like the Honda CR-V, Ford Escape, and Toyota Prius are likely to be the cheapest vehicles to insure for new drivers. The cost of a car insurance policy will tend to be higher just due to the fact that there is more claim exposure for a learners permit, but in general those models will probably have the cheapest car insurance rates compared to other vehicles.

Figuring out which companies offer the lowest-priced insurance rates for a learners permit will require a little more work in order to find the lowest price. Each company uses a slightly different approach to determine premium rates, so we'll take a look at the overall cheapest insurance companies in Missouri.

It's a good idea to be aware that Missouri insurance rates are based on many factors that may substantially change the price you have to pay. Simply getting older, having a teen driver, or getting a ticket for careless driving can cause premium changes that can make some companies more affordable than the competition.

Cheap Insurance Rates in Missouri

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Cheapest insurance companies in Missouri
Rank Company Cost Per Year
1 USAA $642
2 The Hartford $793
3 Allied $867
4 Electric $875
5 Auto-Owners $997
6 Travelers $998
7 MO Farm Bureau $1,052
8 Nationwide $1,142
9 Farmers $1,151
10 Cameron Mutual $1,166
11 American Family $1,253
12 State Farm $1,271
13 Safeco $1,370
14 GEICO $1,406
15 MetLife $1,415
16 Safe Auto $1,419
17 Progressive $1,424
18 California Casualty $1,425
19 Shelter $1,447
20 Auto Club $1,473
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USAA may have some of the cheapest car insurance rates in Kansas City at around $642 each year. This is $620 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners also rank well as some of the best Kansas City, MO insurance companies.

As illustrated above, if you are a customer of The Hartford and switched to USAA, you could earn a yearly price reduction of about $151. Customers with Allied could save as much as $225 a year, and Electric customers might reduce rates by $233 a year.

It's important to note that these policy prices are averaged across all insureds and vehicles and do not factor in a specific location for a learners permit. So the auto insurance company that has the lowest price for you may not even be in the top 23 companies in the list above. That's why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

Comparison of full coverage and liability-only policies

Paying a lower price for insurance should be important to the majority of people, and a good way to reduce the cost of insurance for a learners permit is to not pay for full coverage. The information below visualizes the comparison of car insurance rates with and without full coverage. Data assumes no tickets, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are factored in.

If averaged for all ages, full coverage on your policy costs $1,262 per year more than buying just liability insurance. That may make you wonder if it's worth it to buy full coverage. There is no definitive formula of when to exclude physical damage insurance, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let's say your vehicle's replacement value is $6,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,500 after you pay the deductible. If it's costing in excess of $550 annually for your policy with full coverage, then it's probably a good time to buy liability coverage only.

The information below illustrates how choosing a deductible can raise or lower premium costs when researching cheap insurance for a learners permit. Data assumes a single female driver, full physical damage coverage, and no policy discounts are applied.

A 40-year-old driver could cut expenses by $210 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $320 by choosing a $1,000 deductible. Youthful drivers, such as the Age 20 example, can save $536 annually just by choosing higher deductibles when buying full coverage.

If you do raise deductibles, it is essential to have additional funds in a savings account to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Types of discounts on Kansas City insurance rates

Insurance for new drivers in Kansas City, MOAuto insurance companies that offer coverage for a learners permit may also offer price discounts that can lower rates by 35% or more if you are eligible to receive them. A list of companies and a selection of discounts are outlined below.

The information below compares insurance prices with and without discounts applied to the policy premium. The price estimates are based on a female driver, no violations or claims, Missouri state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with continuous coverage, good student, paperless filing, vehicle safety, paid-in-full, and anti-theft discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on insurance for a learners permit is 28% or $377.

Low rates can quickly become overpriced

Missouri insurance rates are influenced by many factors which can substantially change the cost of your policy. Simply getting older, getting divorced, or getting into an accident can trigger changes in premium that may make certain companies cheaper than competitors. And not only may your rating factors change, but car insurance companies modify pricing as needed to help ensure profitability. Higher than normal claims can cause increased rates, while profitable underwriting can result in lower-priced Kansas City car insurance rates.

The chart below demonstrates which company has the cheapest car insurance in Kansas City, MO for a 35-year-old male driver with no prior accidents, a clean driving record, and solid credit. When comparing rates based on his personal profile, USAA offers the most affordable car insurance rates in Kansas City at $833 annually. This is $429 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 top five cheapest Kansas City, MO auto insurance companies.

The chart below compares rates after we give the driver from above a claim surcharge, slightly worse credit, and a few traffic violations. Due to the fact that every insurance company has a unique formula to set premium rates, comparing prices could result in a different set of cheap Kansas City auto insurance companies as shown below.

MO Farm Bureau now has the best auto insurance rate in Kansas City with The Hartford, Farmers, Nationwide, and Cameron Mutual also having competitive pricing. This shows why Kansas City drivers need to spend some time comparing rates when trying to get affordable car insurance rates for a learners permit. Insurance prices are calculated by many factors and change dramatically, so the cheapest rate when you bought your policy may now be an over-priced policy.