Wouldn’t life be so easy if you could just magically know the best company that has the cheapest rates for inexperienced drivers? That is not the case, however, as there are many unknown factors like the annual mileage you drive, whether you are female or male, your driving record, and the amount of liability coverage you want, that all impact the cost of coverage. In this article, we will cover the different ways you can keep rates low and will hopefully give you a good start to your coverage search.
For new drivers, one of the more important criteria that are used to help calculate auto insurance rates is your zip code in Kansas City. Areas with increased crime or more people are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims receive better rates.
The illustration below shows the most costly cities in Missouri for inexperienced drivers in which to buy car insurance. Kansas City comes in at #4 with an annual rate of $1,283 for the average insurance policy, which is about $107 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Saint Louis | $1,474 |
| 2 | Florissant | $1,459 |
| 3 | University City | $1,394 |
| 4 | Kansas City | $1,283 |
| 5 | Raytown | $1,264 |
| 6 | Ballwin | $1,244 |
| 7 | Mehlville | $1,235 |
| 8 | Kirkwood | $1,223 |
| 9 | Independence | $1,214 |
| 10 | Wildwood | $1,214 |
| 11 | Chesterfield | $1,207 |
| 12 | Liberty | $1,201 |
| 13 | Joplin | $1,160 |
| 14 | Lee’s Summit | $1,146 |
| 15 | Saint Charles | $1,140 |
| 16 | Saint Joseph | $1,134 |
| 17 | O’Fallon | $1,134 |
| 18 | Saint Peters | $1,128 |
| 19 | Blue Springs | $1,126 |
| 20 | Wentzville | $1,101 |
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Premium costs are comparative as specific Kansas City zip code can modify price quotes significantly.
The vehicle you are buying coverage for is probably the largest consideration that determines whether or not you find affordable insurance for inexperienced drivers. Vehicles with average performance, excellent safety ratings, or a low likelihood of liability claims will cost quite a bit less to insure than fast, unsafe models. The information below shows car insurance costs for a handful of the most budget-friendly automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,365 |
| Toyota Tacoma Double Cab 4WD | $1,456 |
| Nissan Altima 2.5 4-Dr Sedan | $1,461 |
| Chevrolet Malibu LT | $1,486 |
| Honda Civic EX 4-Dr Sedan | $1,504 |
| Honda Accord LX-P 4-Dr Sedan | $1,509 |
| Honda CR-V LX 4WD | $1,515 |
| Chevrolet Silverado LT Regular Cab 2WD | $1,562 |
| Dodge Grand Caravan CV | $1,582 |
| Ford Escape Limited 4WD | $1,642 |
| Ford Fusion Sport AWD 4-Dr Sedan | $1,665 |
| Toyota Camry Hybrid | $1,668 |
| Kia Optima SX | $1,677 |
| Jeep Grand Cherokee Laredo 4WD | $1,670 |
| Chevrolet Equinox LS AWD | $1,679 |
| Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD | $1,693 |
| Ford Explorer Eddie Bauer 2WD | $1,699 |
| Dodge Ram Quad Cab Sport 2WD | $1,695 |
| Ford F-150 STX Super Cab 4WD | $1,728 |
| Chevrolet Impala LTZ | $1,758 |
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in specific location which can raise or lower price quotes considerably.
Based upon these rates, cars like the Toyota Prius, Toyota Tacoma, Nissan Altima, Chevrolet Malibu, and Honda Civic are most likely to be the cheapest vehicles to insure for new drivers.
Auto insurance companies ranked
Selecting the top company can be rather challenging considering how many companies sell insurance in Kansas City. The ranking information in the next section could help you choose which companies you want to consider when shopping insurance around for inexperienced drivers. The ratings below are only comprised of large nationwide companies, so companies that only write business in Missouri or surrounding areas will not be included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
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Data Source: Insure.com Best Car Insurance Companies
Discount Kansas City auto insurance rates
Insurance providers that offer coverage for inexperienced drivers may have discounts that can reduce rates by 40% or more if you meet specific criteria. A list of companies and a selection of discounts can be read below.
- Farm Bureau has savings for good student, driver training, safe driver, 55 and retired, and multi-vehicle.
- MetLife may offer discounts for good driver, accident-free, defensive driver, claim-free, multi-policy, good student
- Progressive may have discounts that include continuous coverage, good student, online signing, multi-vehicle, and homeowner.
- AAA discounts include multi-policy, AAA membership discount, good student, pay-in-full, anti-theft, and multi-car.
- American Family offers discounts for air bags, Steer into Savings, bundled insurance, mySafetyValet, and accident-free.
- GEICO includes discounts for anti-theft, daytime running lights, defensive driver, multi-policy, membership and employees, and multi-vehicle.
- State Farm offers premium reductions for anti-theft, multiple policy, accident-free, driver’s education, good driver, and multiple autos.
The diagram below visualizes the comparison of car insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no accidents, no driving violations, Missouri state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with safe-driver, accident-free, claim-free, marriage, defensive driving course, and passive restraint discounts applied. When discounts are applied, the average amount saved each year on auto insurance for inexperienced drivers is 28% or $380.
Responsible drivers pay cheaper Kansas City auto insurance rates
The ideal way to find the best auto insurance rates for new drivers is to drive attentively and avoid traffic citations and accidents. The illustration below demonstrates how citations and at-fault accidents impact insurance costs for different age groups of insureds. Data assumes a married female driver, full coverage, $250 deductibles, and no other discounts are factored in.
In the example above, the average cost of car insurance in Missouri per year with no violations or accidents is $1,441. Get written up for two speeding tickets and the average cost swells to $2,048, an increase of $607 each year. Then add one accident along with the two speeding tickets and the yearly cost of auto insurance for inexperienced drivers increases to an average of $2,671. That’s an increase of $1,230, or $103 per month, just for being a careless driver!
How to find economical insurance for inexperienced drivers
It’s not impossible to find cheaper rates, and here are a few thrifty ideas that can help drivers get low-cost coverage.
- Do not get traffic citations
- Avoid having at-fault accidents
- Clean up your credit
- Safe vehicles cost less to insure
- Higher deductibles mean lower rates
- Compare price quotes at least once a year
The last tip in the list is incredibly necessary, as we emphasized in this article. Car insurance prices adjust often, so don’t be unwilling to change to a new company if you find a cheaper price. Staying with the same company for years is fine, but it isn’t a good idea if that dedication is costing money that could be going to better use. In just a few minutes you could compare prices and find cheaper insurance for inexperienced drivers in Kansas City.
The agents listed below can provide answers to your questions and help you determine which insurance coverage will be best for you, as some drivers wish to have a little guidance when trying to find lower insurance rates for new drivers. It can be hard to find the cheapest auto insurance company, and a professional agent can provide comfort knowing your policy gives you decent coverage if you have a claim.
To find a Kansas City insurance agent closest to you, click the button following the list or click here to compare price quotes.
American Family Insurance – Jeff Woody
1300 NW Vivion Rd – Kansas City, MO 64118 – (816) 459-8010
Allstate Insurance: Steve Marshall
7000 NW Prairie View Rd Ste 100 – Kansas City, MO 64151 – (816) 587-5200
American Family Insurance – Dewey Osborn
6405 N Oak Trafficway – Kansas City, MO 64118 – (816) 436-7300