How Much is Car Insurance for Drivers Under 21 in Kansas City?

For minors, one of the big components that are looked at to determine the cost of insurance is where your car is garaged in Kansas City. Cities with larger populations tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.

The next table lists the most costly cities in Missouri for drivers under 21 in which to buy car insurance. Kansas City comes in at #5 costing $1,283 on average, which is approximately $107 each month.

How much is car insurance in Kansas City?
Rank City Average Per Year
1 Saint Louis $1,474
2 Florissant $1,401
3 University City $1,352
4 Raytown $1,316
5 Kansas City $1,283
6 Mehlville $1,272
7 Independence $1,264
8 Wildwood $1,251
9 Chesterfield $1,220
10 Ballwin $1,208
11 Kirkwood $1,199
12 Lee’s Summit $1,181
13 Joplin $1,172
14 Saint Joseph $1,168
15 Liberty $1,165
16 Blue Springs $1,138
17 Wentzville $1,134
18 O’Fallon $1,134
19 Saint Peters $1,117
20 Springfield $1,108
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Prices are comparative as the specific geographic location can alter coverage prices considerably.

The type of vehicle needing coverage is one of the largest considerations that determines if you can find the best cheap insurance for drivers under 21. Vehicles with limited top-end speed, a great safety record, or low incidents of liability claims will cost significantly less to insure than higher performance models. The list below presents auto insurance rates for a handful of the more affordable vehicles to insure in Missouri.

Cheapest Vehicles to Insure in Kansas City, MO
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $3,366
Hyundai Elantra GLS Touring Station Wagon $3,374
Honda CR-V LX 4WD $3,366
Toyota Prius $3,718
Ford Explorer Eddie Bauer 2WD $3,744
Ford F-150 XL Regular Cab 4WD $3,754
Ford Focus SE 4-Dr Sedan $3,947
Ford Edge SE AWD $3,956
Ford Fusion S 4-Dr Sedan $3,995
Volkswagen Jetta S 4-Dr Sedan $4,000
Toyota RAV4 2WD $3,995
Toyota Tacoma Double Cab 4WD $4,004
Chevrolet Impala LT $3,995
GMC Sierra SLE Crew Cab 2WD $4,003
Jeep Grand Cherokee Laredo 4WD $3,995
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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 safe-driver, and claim-free. Price information does not factor in Kansas City, MO location which can decrease or increase prices noticeably.

Based upon the table data, cars like the Ford Escape, Hyundai Elantra, Honda CR-V, and Toyota Prius are most likely to be some of the cheaper vehicles to insure for minors. The price of auto insurance will be more expensive just because there is more risk for drivers under 21, but in general those models will have the best insurance prices that you are likely to find.

Determining which company quotes the lowest-priced insurance rates for drivers under 21 will take more time than just getting one or two price quotes. Each auto insurance company has a unique formula to establish rates, so we will examine the lowest cost insurance companies in Missouri.

We do need to point out that Kansas City, MO insurance rates are influenced by many factors that will increase or decrease the policy premium. Improving your credit rating, moving across town, or getting into an accident may prompt premium changes resulting in some companies being much cheaper than others.

Cheap Insurance Rates for Minors

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Rankings for the cheapest Missouri auto insurance companies
Rank Company Cost Per Year
1 USAA $668
2 The Hartford $793
3 Allied $849
4 Electric $867
5 Travelers $1,008
6 Auto-Owners $1,037
7 MO Farm Bureau $1,052
8 Nationwide $1,109
9 Farmers $1,151
10 Cameron Mutual $1,154
11 State Farm $1,258
12 American Family $1,291
13 Safe Auto $1,363
14 Progressive $1,368
15 Safeco $1,370
16 MetLife $1,430
17 GEICO $1,448
18 Shelter $1,462
19 Auto Club $1,473
20 California Casualty $1,483
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USAA may have some of the lowest car insurance rates in Kansas City at around $668 per year. The Hartford, Allied, Electric, and Travelers would also make the list of some of the lowest-priced Kansas City, MO auto insurance companies.

As shown above, if you are currently insured with Travelers and switched to The Hartford, you could see an annual premium reduction of approximately $215. Customers with Auto-Owners might save as much as $244 a year, and MO Farm Bureau policyholders might reduce rates by $259 a year.

These policy prices are averages across all drivers and vehicles and and are not figured with a specific vehicle garaging location for drivers under 21. So the auto insurance company that fits you best may not even be in the top 23 companies in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Careless drivers pay higher rates

The ideal way to score the cheapest insurance premiums for minors is to drive cautiously and avoid traffic citations and accidents. The chart below demonstrates how traffic citations and at-fault fender-benders increase premium costs for different age groups. The prices are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

The chart shows that the average cost of car insurance in Missouri per year with a clean driving record and no accidents is $1,628. Get written up for one speeding ticket and the average cost surges to $1,869, an increase of $241 each year. Now add in one accident along with the one speeding ticket and the yearly cost of insurance for drivers under 21 goes up to an average of $2,549. That’s an increase of $921, or $77 per month, just for not keeping your driving record clean!

Insuring your vehicle with a highly-rated insurance provider is difficult considering how many different companies there are to choose from in Kansas City. The rank data displayed below could help you choose which coverage providers you want to consider purchasing coverage from.

The rankings below include the companies with a significant amount of written premium nationwide, so smaller companies are not included in these rankings. To compare prices from these top-rated insurers and more, just click here.

Top 10 Large Auto Insurance Companies in Kansas City Ranked by Customer Satisfaction

  1. USAA – 92%
  2. American Family – 88%
  3. State Farm – 88%
  4. Nationwide – 88%
  5. 21st Century – 88%
  6. The Hartford – 87%
  7. Progressive – 87%
  8. AAA Insurance – 87%
  9. Farmers Insurance – 87%
  10. Liberty Mutual – 87%

Top 10 Large Auto Insurance Companies Overall in Kansas City

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

The diagram below shows how different deductible levels can impact insurance costs when quoting cheap insurance for drivers under 21. The information is based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

The chart above illustrates that a 30-year-old driver could save $210 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $320 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, could drop their prices as much as $454 each year just by choosing larger deductibles. When increasing deductibles, it will be important to have enough savings set aside to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

The importance of shopping around

Kansas City insurance rates are calculated based on many things that can increase the price of your policy. Simply improving your credit, increasing liability limits, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being more affordable than before.

Not only that, but auto insurance companies modify rates every year to help ensure profitability. Significantly higher losses may result in price increases, while lower claim expenses can cause lower-cost Kansas City car insurance rates.

To illustrate this point, the graph below compares the cheapest car insurance in Kansas City, MO for a 35-year-old male driver with no accidents or violations, and good financial standing. When comparing rates based on his current situation, USAA may have the best car insurance rates in Kansas City at $833 a year. This is $429 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Travelers round out the rest of the best Kansas City, MO auto insurance companies.

Now let’s give the driver in the first example a claim, a lower credit rating, and a few traffic violations. Since each auto insurer uses their own method to determine rates, comparing prices may now result in a substantially altered list of affordable Kansas City car insurance companies as shown below.

Auto-Owners now has the cheapest car insurance in Kansas City, MO with The Hartford, Nationwide, Farmers, and Cameron Mutual now being in the top five. This shows why it is crucial to perform an extensive rate comparison when trying to get affordable insurance quotes for drivers under 21.

Car insurance prices consist of many different factors and can decrease or increase without notice, so the lowest-price company the last time you checked may now be priced much higher than other options.