Finding out which company has the best car insurance rates for high school students will involve a tad more effort in order to find the lowest price quote.
Each auto insurance company has their own process to determine premium rates, so we’ll take a look at the car insurance companies with the overall best prices in Kansas City, MO. It’s important that readers know that Kansas City, MO car insurance rates are calculated based on many things that control the price of coverage. Simply having another birthday, getting married, or getting a speeding ticket may prompt premium changes resulting in some companies being much cheaper than others.
Best Car Insurance Prices for Students
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $662 |
| 2 | The Hartford | $785 |
| 3 | Allied | $841 |
| 4 | Electric | $867 |
| 5 | Travelers | $1,008 |
| 6 | Auto-Owners | $1,037 |
| 7 | MO Farm Bureau | $1,063 |
| 8 | Farmers | $1,139 |
| 9 | Nationwide | $1,142 |
| 10 | Cameron Mutual | $1,190 |
| 11 | State Farm | $1,258 |
| 12 | American Family | $1,291 |
| 13 | Progressive | $1,368 |
| 14 | Safeco | $1,370 |
| 15 | Shelter | $1,404 |
| 16 | GEICO | $1,406 |
| 17 | Safe Auto | $1,419 |
| 18 | California Casualty | $1,425 |
| 19 | MetLife | $1,473 |
| 20 | Auto Club | $1,518 |
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USAA has some of the lowest car insurance rates in Kansas City at around $662 a year. This is $600 less than the average price paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers would also make the list of some of the cheaper Kansas City, MO auto insurance companies.
As shown above, if you currently have a policy with Electric and switched to USAA, you could earn an annual premium reduction of approximately $205. Policyholders with Travelers might save as much as $346 a year, and Auto-Owners policyholders might lower prices by $375 a year.
Be aware that those estimates are averaged across all drivers and vehicles in Missouri and and are not figured with an exact zip code location for high school students. So the car insurance company that is best for you may not even be in the list above. That points out the importance of why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
For teenagers, one of the more important criteria that aid in calculating insurance cost is your address in Kansas City. Areas with more people or even just a higher incidence of claims tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.
The next table lists the highest-priced places in Missouri for high school students to buy auto insurance in. Kansas City makes the list at #6 having an annual price of $1,257 for the average insured, which is around $105 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Saint Louis | $1,430 |
| 2 | University City | $1,408 |
| 3 | Florissant | $1,401 |
| 4 | Mehlville | $1,272 |
| 5 | Raytown | $1,264 |
| 6 | Kansas City | $1,257 |
| 7 | Chesterfield | $1,257 |
| 8 | Independence | $1,214 |
| 9 | Wildwood | $1,201 |
| 10 | Ballwin | $1,196 |
| 11 | Kirkwood | $1,187 |
| 12 | Saint Joseph | $1,168 |
| 13 | Liberty | $1,165 |
| 14 | Blue Springs | $1,160 |
| 15 | Saint Charles | $1,140 |
| 16 | Joplin | $1,138 |
| 17 | Lee’s Summit | $1,135 |
| 18 | O’Fallon | $1,134 |
| 19 | Saint Peters | $1,117 |
| 20 | Wentzville | $1,101 |
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Table data uses estimated as specific location information can impact coverage prices considerably.
Selecting the highest-rated insurance company can be rather challenging considering how many different insurance companies sell coverage in Kansas City. The company information shown below may help you pick which companies you want to consider when buying insurance for high school students. The ratings below only include the largest auto insurers in America, so companies that may only write in Missouri are not included in these rankings.
Top 10 Major Auto Insurance Companies Overall in Kansas City
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
The chart below demonstrates how choosing different deductibles can affect insurance prices when searching for cheap insurance for high school students. The premiums are based on a single male driver, full physical damage coverage, and no discounts are factored in.
A 30-year-old driver could pocket $332 a year by increasing from a $100 deductible up to a $500 deductible, or save $500 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old, could possibly save $988 every year just by using higher deductibles. If you do decide to increase your deductibles, it will be required to have spare funds to be able to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Discounts on Kansas City car insurance
Insurance providers that provide policies for high school students may have special discounts that may potentially lower prices by 35% or more if you meet specific criteria. A few popular companies and their possible discounts are outlined below.
- Progressive has discounts for good student, online signing, multi-policy, homeowner, multi-vehicle, and online quote discount.
- MetLife may have discounts that include good driver, multi-policy, good student, claim-free, accident-free, and defensive driver.
- Mercury Insurance may include discounts for age of vehicle, professional/association, location of vehicle, multi-car, and multi-policy.
- Nationwide may offer discounts for multi-policy, easy pay, good student, accident-free, and anti-theft.
- GEICO discounts include membership and employees, emergency military deployment, five-year accident-free, air bags, multi-policy, and driver training.
- AAA has savings for pay-in-full, AAA membership discount, multi-policy, anti-theft, multi-car, education and occupation, and good student.
The information below illustrates the comparison of insurance rates with and without discounts applied to the rates. The premiums assume a male driver, no violations or claims, Missouri state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with good student, paid-in-full, paperless filing, passive restraint, continuous coverage, and vehicle safety discounts applied. When these discounts are applied, theaverage amount saved on car insurance for high school students is 28% or $525.
Why you should be shopping around
Kansas City, MO car insurance rates are based on many factors which can substantially change the price you have to pay for coverage. Getting older, buying higher coverage limits, or getting a few speeding tickets may generate price changes that can cause some rates to be cheaper than competitors. Also, insurance companies change the rates they charge in Missouri every year as an adjustment for underwriting gains or losses. Heavier than normal losses can cause rate hikes, while profitable underwriting may cause more affordable Kansas City car insurance rates.
To illustrate this point, the graph below shows the companies that have the cheapest car insurance in Kansas City, MO for a 45-year-old female driver with a clear driving record, no claims, and good credit. If we estimate prices based on her current situation, USAA offers the most affordable car insurance rates in Kansas City at $801 each year. This is $461 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Travelers are also included in the top five cheapest Kansas City, MO auto insurance companies.
In this next rate comparison, we will give the driver from the first example a couple of claims, bad credit, and a couple of points charged on her driving record. Due to the fact that every insurance company has their own unique process to set premium rates, analyzing rates most likely will result in a new list of the cheapest companies as shown below.
MO Farm Bureau now has the best price on car insurance in Kansas City, MO with Nationwide, Farmers, The Hartford, and Cameron Mutual also being competitive. This demonstrates why Missouri drivers need to spend some time comparing rates when trying to get the most economical insurance quotes for high school students. Insurance prices are impacted by many factors and can change without notice, so the best company a year ago may now cost much more than other companies.