The words “low-priced” and “insurance” really shouldn’t be used together, specifically when searching for the best car insurance for 19 year olds. Let’s learn about some things that have an impact on insurance prices, and come up with some ways to lower the cost of the next policy you buy.
The car, truck, or SUV on the policy is one of the largest considerations that determines whether or not you find the most affordable insurance for 19 year olds. Vehicles with higher performance, a lack of advanced safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models. The data below presents coverage premiums for the most budget-friendly vehicles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $3,740 |
| Honda CR-V EX 2WD | $3,749 |
| Honda Accord EX-L 4-Dr Sedan | $4,048 |
| Toyota Prius | $4,093 |
| Ford F-150 XL Regular Cab 4WD | $4,177 |
| Ford Edge Limited 2WD | $4,394 |
| Ford Fusion S 4-Dr Sedan | $4,440 |
| Chevrolet Impala LT | $4,449 |
| Toyota RAV4 2WD | $4,440 |
| Chevrolet Malibu Hybrid | $4,449 |
| Dodge Grand Caravan Hero | $4,440 |
| Chevrolet Equinox LT AWD | $4,445 |
| Jeep Grand Cherokee Laredo 2WD | $4,440 |
| Ford Explorer Eddie Bauer 4WD | $4,485 |
| Toyota Tacoma Double Cab 4WD | $4,490 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $4,564 |
| Hyundai Elantra Blue 4-Dr Sedan | $4,659 |
| Ford Focus SES 4-Dr Sedan | $4,669 |
| Toyota Corolla LE | $4,704 |
| Toyota Camry SE | $4,712 |
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Data rating is based on single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific location information which can decrease or increase coverage rates substantially.
Based on these rates, you can see that makes and models like the Ford Escape, Honda CR-V, Honda Accord, and Toyota Prius are going to be a few of the less-costly vehicles to insure for teenage drivers. Car insurance rates will trend higher just due to the fact that there is more claim risk for 19 year olds, but in general those specific models will tend to have the lowest prices available.
Finding dependable, reasonably-priced car insurance is easier said than done, and finding out which companies quote the cheapest car insurance rates for 19 year olds requires even more work. Each auto insurance company uses their own method to set their prices, so let’s begin by taking a look at the most affordable car insurance companies in Missouri.
It’s important that readers know that Kansas City car insurance rates are based on many factors which can substantially decrease or increase your annual premium. Turning one year older, buying another vehicle, or getting a ticket for careless driving can trigger price changes that can cause some rates to be less affordable than competitors.
Best Auto Insurance Prices for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $668 |
| 2 | The Hartford | $809 |
| 3 | Allied | $841 |
| 4 | Electric | $867 |
| 5 | Auto-Owners | $1,007 |
| 6 | MO Farm Bureau | $1,032 |
| 7 | Travelers | $1,038 |
| 8 | Nationwide | $1,098 |
| 9 | Farmers | $1,105 |
| 10 | Cameron Mutual | $1,166 |
| 11 | American Family | $1,253 |
| 12 | State Farm | $1,271 |
| 13 | Safeco | $1,370 |
| 14 | Safe Auto | $1,405 |
| 15 | GEICO | $1,406 |
| 16 | Progressive | $1,424 |
| 17 | MetLife | $1,458 |
| 18 | Shelter | $1,462 |
| 19 | Auto Club | $1,473 |
| 20 | California Casualty | $1,483 |
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USAA normally has 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 Auto-Owners also are some of the cheapest Kansas City, MO car insurance companies.
As the rates illustrate above, if you have coverage with Allied and switched to USAA, you may realize a yearly price reduction of about $173. Missouri drivers with Electric might save as much as $199 a year, and Auto-Owners customers might lower prices by $339 a year.
These prices are averages for all insureds and vehicles and and are not figured with a specific vehicle garaging location for 19 year olds. So the insurer that fits your needs best may not even be in the list above. That underscores the importance of why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.
One of the many things that are used to help calculate the cost of insurance is where you call home. Areas with high crime rates or more dense population tend to have more expensive car insurance rates, whereas less populated areas benefit from having to pay less for coverage.
The illustration below sorts the most expensive areas in Missouri for 19 year olds to purchase auto insurance in. Kansas City is ranked #5 with a yearly cost of $1,257 for the average insured, which is approximately $105 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Saint Louis | $1,488 |
| 2 | Florissant | $1,401 |
| 3 | University City | $1,394 |
| 4 | Raytown | $1,264 |
| 5 | Kansas City | $1,257 |
| 6 | Kirkwood | $1,223 |
| 7 | Mehlville | $1,222 |
| 8 | Chesterfield | $1,220 |
| 9 | Independence | $1,214 |
| 10 | Wildwood | $1,214 |
| 11 | Ballwin | $1,208 |
| 12 | Liberty | $1,201 |
| 13 | Lee’s Summit | $1,170 |
| 14 | Saint Joseph | $1,156 |
| 15 | Blue Springs | $1,138 |
| 16 | Saint Charles | $1,129 |
| 17 | Saint Peters | $1,128 |
| 18 | Joplin | $1,126 |
| 19 | Springfield | $1,108 |
| 20 | Cape Girardeau | $1,105 |
| Find the Best Rates Go | ||
Prices are estimated as the specific Kansas City residence address can modify premium rates greatly.
Ending up with the best auto insurance company is difficult considering how many companies there are in Missouri. The information shown below can help you pick which car insurance companies you want to consider when shopping your coverage around. The rankings below are only made up of the largest companies in America, so companies without a large exposure are not taken into consideration for this 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 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Kansas City auto insurance rates
Insurance companies that offer quotes for 19 year olds may additionally offer price discounts that may potentially lower prices by 25% or more if you meet eligibility requirements. The best car insurance companies and some of the discounts are:
- Farm Bureau may have discounts that include multi-policy, 55 and retired, youthful driver, renewal discount, safe driver, good student, and driver training.
- Liberty Mutual may include discounts for new graduate, new vehicle discount, preferred payment discount, multi-policy, and good student.
- State Farm offers discounts for safe vehicle, Drive Safe & Save, good student, multiple autos, anti-theft, good driver, and passive restraint.
- Auto-Owners Insurance policyholders can earn discounts including anti-theft, multiple vehicles, teen driver, safe driver, student away at school, and paid in full.
- GEICO may offer discounts for federal employee, air bags, multi-vehicle, military active duty, driver training, anti-theft, and daytime running lights.
- SAFECO offers discounts including bundle discounts, safe driver, anti-lock brakes, multi-car, anti-theft, drive less, and homeowner.
The example below visualizes the comparison of yearly insurance costs with and without discounts applied to the premium. Data assumes a male driver, no claims or driving violations, Missouri state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with claim-free, safe-driver, passive restraint, multiple vehicle, anti-theft, and defensive driving course discounts applied. In this example, the average savings per year on car insurance for 19 year olds is 28% or $515.
The diagram below illustrates how your deductible choice can increase or decrease insurance prices when searching for cheap insurance for 19 year olds. The costs are based on a married male driver, comp and collision included, and no other discounts are factored in.
In the chart above, a 50-year-old driver could lower rates by $252 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $378 by selecting a $1,000 deductible. Young drivers, like the 20-year-old category, can cut as much as $842 every year by selecting a higher deductible.
If you do make the decision to raise your deductibles, it will be required to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
The insurance agencies listed below can probably help you determine which auto insurance policy would work best for you, since some drivers have questions and prefer to get some guidance when comparing insurance rates for 19 year olds. It’s not always simple to find coverage yourself, and using a licensed agent can add satisfaction knowing your policy gives you adequate protection in the event of a claim.
To find an agent nearest to you, click the button below the list or click here to compare prices now.
- American Family Insurance – Jeff Williams Agency Inc.
6505 N Prospect Ave #100 – Kansas City, MO 64119 – (816) 459-7779 - American Family Insurance – Paul Arnone
3851 N Oak Trafficway – Kansas City, MO 64116 – (816) 454-2152 - Daniel Crawford Insurance Agency
1201 NW Briarcliff Pkwy #345 – Kansas City, MO 64116 – (816) 390-4790 - Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400 - Jamie Bilton – State Farm Insurance Agent
10901 Hickman Mills Dr Ste D – Kansas City, MO 64137 – (816) 763-5444