The vehicle you are trying to insure is one of the primary factors when looking for the most affordable insurance for good students. Vehicles with high performance features, poor crash test ratings, or a track record of large liability claims will cost more to insure than safer models. The table below ranks insurance premiums for a number of the cheapest vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $4,945 |
| Honda CR-V EX 2WD | $4,954 |
| Hyundai Elantra SE Touring Station Wagon | $5,319 |
| Toyota Prius | $5,372 |
| Ford F-150 XL Super Cab 2WD | $5,491 |
| Ford Edge SE 2WD | $5,501 |
| Honda Odyssey EX W/Rear Entertainment | $5,816 |
| Toyota Tacoma 2WD | $5,824 |
| Chevrolet Impala LT | $5,866 |
| Toyota Camry LE | $5,873 |
| Chevrolet Malibu Hybrid | $5,866 |
| Chevrolet Equinox LS 2WD | $5,876 |
| Toyota RAV4 Limited 2WD | $5,866 |
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Data based on single male 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. Information does not factor in Kansas City, MO location which can affect premium rates significantly.
Looking at the numbers, makes and models like the Ford Escape, Honda CR-V, Hyundai Elantra, and Toyota Prius are the most budget-friendly vehicles to insure for student drivers.
Finding good, budget car insurance is not the easiest thing to accomplish, and finding out which company has the cheapest insurance rates for good students involves even more shopping around.
Each insurer has a different formula for filing rates in each state, so let’s take a look at the most affordable insurance companies in Kansas City. It’s important to understand that Kansas City insurance rates are calculated based on many things that may substantially change the cost of a policy. This price fluctuation is why Missouri drivers need to compare rates when trying to find the cheapest car insurance rates for good students. Auto insurance prices can be determined by many factors and can increase or decrease at any time, so the most economical company the last time you shopped your coverage around may now be costing you a lot of money.
Best Auto Insurance Prices for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $668 |
| 2 | The Hartford | $785 |
| 3 | Electric | $841 |
| 4 | Allied | $841 |
| 5 | Travelers | $998 |
| 6 | Auto-Owners | $1,037 |
| 7 | MO Farm Bureau | $1,052 |
| 8 | Farmers | $1,117 |
| 9 | Nationwide | $1,131 |
| 10 | Cameron Mutual | $1,166 |
| 11 | State Farm | $1,234 |
| 12 | American Family | $1,291 |
| 13 | Progressive | $1,368 |
| 14 | Safe Auto | $1,405 |
| 15 | Safeco | $1,412 |
| 16 | GEICO | $1,434 |
| 17 | Shelter | $1,447 |
| 18 | MetLife | $1,458 |
| 19 | California Casualty | $1,483 |
| 20 | Auto Club | $1,533 |
| Compare Rates Now Go | ||
USAA offers some of the cheapest car insurance rates in Kansas City at around $668 each year. The Hartford, Electric, Allied, and Travelers also are some of the more affordable Kansas City, MO auto insurance companies.
As illustrated above, if you currently have a policy with The Hartford and switched to USAA, you could earn annual savings of around $117. Policyholders with Electric might save as much as $173 a year, and Allied insureds might reduce rates by $173 a year.
These policy prices are averaged for all ages of drivers and types of vehicles and and are not figured with an exact location for good students. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That point stresses why you need to compare as many prices as possible using your own driver information and specific vehicle type.
For student drivers, one of the largest criteria that are looked at to help calculate car insurance rates is where your residence is in Kansas City. More populated areas are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims can boast about having cheaper rates.
The information below lists the most expensive places in Missouri for good students to purchase a policy in. Kansas City is ranked #6 with an annual rate of $1,245 for the average insurance policy, which is about $104 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Saint Louis | $1,444 |
| 2 | Florissant | $1,401 |
| 3 | University City | $1,394 |
| 4 | Raytown | $1,303 |
| 5 | Wildwood | $1,251 |
| 6 | Kansas City | $1,245 |
| 7 | Chesterfield | $1,244 |
| 8 | Ballwin | $1,232 |
| 9 | Kirkwood | $1,223 |
| 10 | Mehlville | $1,222 |
| 11 | Independence | $1,214 |
| 12 | Liberty | $1,189 |
| 13 | Blue Springs | $1,172 |
| 14 | Joplin | $1,160 |
| 15 | Lee’s Summit | $1,146 |
| 16 | O’Fallon | $1,123 |
| 17 | Saint Joseph | $1,122 |
| 18 | Springfield | $1,119 |
| 19 | Wentzville | $1,101 |
| 20 | Columbia | $1,100 |
| Compare Rates Now Go | ||
Prices are approximated as the vehicle garaging location can raise or lower price quotes greatly.
Get discount Kansas City auto insurance
Car insurance companies that provide coverage for good students may provide rate discounts that can reduce rates by as much as 25% or more if you are eligible for them. Larger insurance companies and a partial list of their discounts include:
- GEICO may have discounts that include emergency military deployment, defensive driver, seat belt use, military active duty, air bags, and membership and employees.
- USAA may offer discounts for good student, annual mileage, loyalty savings, military installation, driver training, new vehicle, and safe driver.
- Progressive offers premium reductions for homeowner, online signing, multi-vehicle, multi-policy, good student, online quote discount, and continuous coverage.
- American Family policyholders can earn discounts including defensive driver, good student, early bird, good driver, and accident-free.
- Esurance offers discounts for claim free, renters, multi-policy, good driver, good student, and online shopper.
- Farmers Insurance has discounts for bundle discounts, pay in full, alternative fuel, switch companies, distant student, good student, and youthful driver.
- State Farm offers discounts including accident-free, safe vehicle, Drive Safe & Save, multiple policy, and anti-theft.
The information below compares insurance prices with and without discounts applied to the rates. The information is based on a male driver, no violations or accidents, Missouri state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, continuous coverage, anti-theft, paid-in-full, paperless filing, and good student discounts applied. When discounts are applied, theaverage yearly reduction on insurance for good students is 28% or $540.
Safe drivers Kansas City pay cheaper rates
The recommended way to score low insurance rates in Kansas City for student drivers is to drive attentively and not have accidents or get tickets. The information below illustrates how traffic citations and fender-benders raise insurance costs for different age groups. The premiums are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
In the previous example, the average cost of a car insurance policy per year with no violations or accidents is $1,160. Get written up for one speeding ticket and the average cost jumps to $1,316, an increase of $156 each year. Now add one accident along with the one speeding ticket and the yearly cost of insurance for good students increases to an average of $1,745. That’s an increase of $585, or $49 per month, just for being a careless driver!
Why you should be comparing rates
Kansas City insurance rates are determined by lots of factors that control the cost of having a policy. Simply having another birthday, getting divorced, or having an at-fault accident can cause premium changes that can make some companies more affordable than before.
Also, insurers file new rates every year or even multiple times each year to reflect underwriting profits or losses. Larger than normal claims can result in additional price hikes, while long-term profits can cause cheaper Kansas City car insurance rates.
To illustrate this example, the bar chart below shows the companies that have the cheapest car insurance in Kansas City, MO for a 30-year-old male driver with no accidents or violations, and solid credit. If we look at prices based on his current rating profile, USAA offers the cheapest car insurance rates in Kansas City at $809 per year. This is $453 less than the average price paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners are also included in the cheapest Kansas City, MO auto insurance companies.
The chart below compares rates after we give the driver from the first rate comparison a couple of claims, slightly worse credit, and a stop sign violation. Since each insurance company uses a different method to set their prices, analyzing rate quotes may now result in a different ranking of affordable Kansas City car insurance companies as shown below.
MO Farm Bureau now has the cheapest price in Kansas City, MO with Farmers, Nationwide, The Hartford, and Cameron Mutual completing the list. This demonstrates why it is critical to shop around with many companies when trying to get the lowest auto insurance quotes for good students. Auto insurance prices are made up of many different factors and can change substantially, so the cheapest option the last time you shopped around may now not even be in the top five.