Who Has Cheap Car Insurance for a 20 Year Old Female in Kansas City?

The words “economical” and “auto insurance” probably shouldn’t be used in the same sentence, especially when searching for the best car insurance for 20 year old women. Because of the high cost, let’s familiarize you with some situations that influence auto insurance rates, and come up with some ideas to take the bite out of the next policy you buy.

One of the many considerations that determine auto insurance rates is the neighborhood you call home. Larger areas are more likely to have higher rates, whereas areas with less congestion have the enjoyment of a little cheaper coverage.

The table below ranks the most expensive areas in Missouri for 20 year old women to buy auto insurance in. Kansas City is listed at #6 with a yearly premium of $1,257 for car insurance, which is approximately $105 each month.

Car insurance prices in Kansas City
Rank City Premium Per Year
1 Saint Louis $1,474
2 Florissant $1,416
3 University City $1,408
4 Raytown $1,277
5 Mehlville $1,259
6 Kansas City $1,257
7 Wildwood $1,238
8 Kirkwood $1,235
9 Ballwin $1,232
10 Independence $1,227
11 Chesterfield $1,220
12 Joplin $1,172
13 Liberty $1,165
14 Lee’s Summit $1,146
15 Blue Springs $1,138
16 Saint Joseph $1,134
17 Wentzville $1,101
18 Saint Charles $1,096
19 O’Fallon $1,090
20 Saint Peters $1,084
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Rates are approximated as the specific geographic location can decrease or increase price quotes substantially.

Comparing rates for cost effective insurance is confusing at best, and determining which company quotes the cheapest insurance rates for 20 year old women may require more quotes for comparison. Each insurer has a different process for establishing rates, so let’s take a look at the insurance companies that tend to be cheaper in Missouri.

It’s important that you understand Missouri insurance rates are calculated based on many things that will increase or decrease the price of coverage. This price variation is why consumers need to take the time to perform a complete rate comparison when trying to get the most affordable auto insurance quotes for 20 year old women. Auto insurance prices are made up of many things and can increase or decrease at any time, so the cheapest rate two years ago may now not even be in the top five.

Cheapest Insurance Rates for Women Age 20

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USAA offers some of the cheapest 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 Travelers also qualify as some of the more affordable Kansas City, MO insurance companies.

As shown above, if you buy coverage from Electric and switched to USAA, you may see an annual savings of approximately $181. Customers with Travelers might save as much as $330 a year, and Auto-Owners customers might cut rates by $359 a year.

It’s important to note that these estimates are averaged for all drivers and vehicles in Missouri and do not take into consideration a vehicle location for 20 year old women. So the insurer that is most affordable for your situation may not even be in the top 23 companies shown above. That underscores the importance of why you need to get quotes using your own specific driver information and vehicle.

Insuring your vehicle with the right insurance company is difficult considering how many companies there are in Missouri. The information shown next could help you analyze which car insurance companies to look at when shopping insurance around for 20 year old women. These ratings are only comprised of the largest companies in America, so companies that focus mainly on Missouri business are not factored into the list.

Top 10 Major Car 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 Major Car Insurance Companies 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-

Discounts on Kansas City insurance rates

Insurance for young women in Kansas City, MOAuto insurance companies that offer quotes for 20 year old women may provide discounts that could lower prices by 35% or more if you meet specific eligibility requirements. Large insurance companies and some of their more popular discounts are included below.

The diagram below shows the comparison of insurance costs with and without discounts being applied to the rates. The premiums assume a male driver, no claims or violations, Missouri state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, passive restraint, paid-in-full, paperless filing, vehicle safety, and good student discounts applied. When drivers take advantage of discounts, theaverage amount saved on insurance for 20 year old women is 18% or $259.

The information below highlights how deductible choice can raise or lower insurance rates when searching for cheap insurance for 20 year old women. The price estimates are based on a single male driver, full physical damage coverage, and no policy discounts are applied.

In the chart above, a 50-year-old driver could lower rates by $218 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $332 by changing to a $1,000 deductible. Young drivers, like the Age 20 chart data, can save up to $718 or more just by using higher deductibles.

If you do raise deductibles, it is a good idea to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.