Who Has the Cheapest Car Insurance Quotes for Teenagers in Kansas City?

For teen drivers, one of the big components that determine auto insurance rates is the neighborhood you call home in Kansas City. More densely populated places are more likely to pay higher prices, whereas areas with less congestion get the luxury of paying less.

The table below sorts the most expensive places in Missouri for teenagers to purchase car insurance in. Kansas City shows up at #7 with an annual premium of $1,245 on average, which is around $104 per month.

How much does car insurance cost in Kansas City, MO?
Rank City Average Per Year
1 Saint Louis $1,474
2 Florissant $1,459
3 University City $1,408
4 Raytown $1,264
5 Independence $1,251
6 Wildwood $1,251
7 Kansas City $1,245
8 Ballwin $1,244
9 Mehlville $1,235
10 Kirkwood $1,223
11 Chesterfield $1,207
12 Liberty $1,189
13 Lee’s Summit $1,170
14 Saint Charles $1,140
15 Blue Springs $1,138
16 Joplin $1,138
17 Wentzville $1,134
18 Saint Joseph $1,122
19 Springfield $1,108
20 Cape Girardeau $1,105
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Prices are approximated as vehicle location can revise price quotes greatly.

Buying budget insurance is not most people’s favorite thing to do, and figuring out which companies quote the lowest-priced car insurance rates for teenagers involves even more work. Each auto insurer has their own unique process to determine rates, so let’s begin by examining the most affordable car insurance companies in Kansas City.

We do need to point out that Missouri car insurance rates are based on many factors which can substantially decrease or increase the price you have to pay. Simply having a birthday, buying a home instead of renting, or getting a couple of tickets can trigger changes in premium that can make some companies much cheaper than others.

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Cheapest Missouri auto insurance companies
Rank Company Cost Per Year
1 USAA $642
2 The Hartford $817
3 Electric $841
4 Allied $841
5 Auto-Owners $1,007
6 Travelers $1,038
7 MO Farm Bureau $1,052
8 Nationwide $1,131
9 Farmers $1,139
10 Cameron Mutual $1,166
11 State Farm $1,271
12 American Family $1,279
13 Safeco $1,370
14 Safe Auto $1,405
15 GEICO $1,406
16 Progressive $1,410
17 MetLife $1,458
18 Shelter $1,462
19 California Casualty $1,469
20 Encompass $1,516
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USAA may have some of the lowest car insurance rates in Kansas City at around $642 each year. The Hartford, Electric, Allied, and Auto-Owners would also be considered some of the most economical Kansas City, MO auto insurance companies.

In the rate table above, if you currently buy coverage from Electric and switched to USAA, you may see savings of approximately $199. Insureds with Allied might save as much as $199 a year, and Auto-Owners insureds might reduce prices by as much as $365 a year.

These prices are averages across all insureds and vehicles and and are not calculated with a specific vehicle garaging location for teenagers. So the auto insurance company that can offer you the best rate may not even be in the top 23 companies in the list above. That emphasizes why you need to quote rates from many companies using your own driver information and specific vehicle type.

Car insurance rates are higher with tickets and accidents

In a perfect world, the ideal way to snag cheap car insurance prices for teen drivers is to pay attention while driving and avoid accidents and keep your driving record clean. The diagram below shows how violations and at-fault collisions raise car insurance rates for each age group. The premiums are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

In the previous example, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,310. Receive one speeding ticket and the average cost surges to $1,503, an increase of $193 each year. Now add two accidents along with the one speeding ticket and the yearly cost of car insurance for teenagers increases to an average of $3,118. That’s an increase of $1,808, or $151 per month, just for not being a responsible driver!

The chart below illustrates how your choice of deductibles can increase or decrease insurance costs when getting quotes for cheap insurance for teenagers. The costs are based on a married female driver, full coverage, and no discounts are applied.

A 30-year-old driver could lower their policy premium by $210 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $320 by selecting a $1,000 deductible. Even younger drivers, such as the Age 20 example, could save $454 every year by using higher deductibles when buying full coverage. When raising deductibles, it is essential to have plenty of money set aside to cover the extra out-of-pocket expense associated with higher deductibles.

Here’s why you should shop around

Kansas City car insurance rates are determined by lots of factors which can significantly increase or decrease the price you pay. Improving your credit score, having a teen driver, or getting a DUI may prompt premium changes that can now make some companies cheaper than before.

In addition, auto insurance companies amend premium rates every year or even multiple times each year in order to maintain liquidity for claims. Larger than normal claims can result in price increases, while profitable underwriting can cause lower-priced Kansas City car insurance rates.

To help illustrate this point, the chart below shows a variety of companies that have the cheapest car insurance in Kansas City, MO for a 45-year-old female driver with no accidents, a clean driving record, and excellent credit. When comparing rates based on her current risk profile, USAA might offer the cheapest car insurance rates in Kansas City at $809 each year. This is $453 less than the average price paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers are also included in the cheapest Kansas City, MO auto insurance companies.

In the next rate comparison, we’ll give the driver from above a claim surcharge, less-than-perfect credit, and a stop sign violation. Since each company uses their own calculation to determining premium rates, comparing insurance quotes most likely will result in a completely different list of affordable Kansas City car insurance companies as shown below.

MO Farm Bureau now has the best car insurance rate in Kansas City with The Hartford, Nationwide, Farmers, and Allied also having competitive pricing. This illustrates why Missouri drivers need to take the time to shop around when trying to find the cheapest car insurance rates for teenagers. Prices are influenced by many factors and change substantially, so the most affordable company a year ago may now be quite expensive.

How to find budget-friendly auto insurance for teenagers

It is possible to find better rates, and here are a few money-saving suggestions that can help you buy cheap coverage.

That last piece of advice is remarkably crucial, as we stressed in this article. Auto insurance rates in Kansas City vary greatly, so don’t be hesitant to buy a different policy if a more affordable rate is found. We understand brand loyalty, but it’s not a great idea if that faithfulness ends up costing you a lot of money. If you have a few minutes, now is a great time to shop around and find cheaper car insurance for teenagers.

If you would rather get some professional advice when shopping around for cheaper insurance for teenagers, the agents below are a good start to help you decide which insurance coverage you need. To locate a Kansas City auto insurance agent by location nearest to you, click the button at the bottom.

American Family Insurance – Clint Cole Agency Inc.
8301 State Line Rd Ste 112Kansas City, MO 64114(816) 444-7468

George Lounds – State Farm Insurance Agent
550 E 99th StKansas City, MO 64131(816) 941-0055

State Farm: Bret Farrar
6406 E 87th St #103Kansas City, MO 64138(816) 333-4445

American Family Insurance – Robert Redmond Agency Inc.
6315 Brookside Plaza #104Kansas City, MO 64113(816) 361-8600

ABBA Insurance, LLC
315 E 18th AveKansas City, MO 64116(816) 454-8833

View map of Kansas City, MO insurance agents