The vehicle model on the policy is one of the primary factors that determines the availability of the cheapest auto insurance for teenage males. Vehicles with higher performance characteristics, a lack of advanced safety features, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models. The next table showcases auto insurance costs for a selection of the more affordable automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $5,535 |
| Honda CR-V EX 2WD | $5,544 |
| Hyundai Elantra GLS Touring Station Wagon | $5,535 |
| Toyota Prius | $5,981 |
| Ford Edge SE 2WD | $6,170 |
| Dodge Grand Caravan CV | $6,223 |
| Honda Odyssey EX | $6,510 |
| Ford Focus SE 4-Dr Sedan | $6,515 |
| Chevrolet Impala LT | $6,563 |
| Volkswagen Jetta LE 4-Dr Sedan | $6,573 |
| Toyota RAV4 2WD | $6,563 |
| Chevrolet Malibu Hybrid | $6,572 |
| Ford Explorer Limited 4WD | $6,616 |
| Toyota Tacoma Double Cab 4WD | $6,625 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $6,896 |
| Toyota Corolla XLE | $6,903 |
| Chevrolet Equinox LTZ 2WD | $6,956 |
| Find Cheaper Rates Go | |
Above prices assume single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific location which can lower or raise premium rates significantly.
Based on these rates, you can see that models like the Ford Escape, Honda CR-V, and Hyundai Elantra are going to be a few of the cheaper vehicles to insure for teen boys. The price for an auto insurance policy will be more costly just because there is more risk for teenage males, but generally speaking those models will most likely have the best rates that you’ll find.
Determining which company offers the cheapest auto insurance rates for teenage males calls for more time than just quoting one company’s rates. Each company uses their own method to determine rates, so let’s take a look at the most affordable auto insurance companies in Missouri.
It’s a good idea to be aware that Kansas City auto insurance rates are impacted by many factors that will increase or decrease the price you pay for coverage. Turning one year older, moving across town, or getting into an accident can produce rate changes that can now make some companies cheaper than competitors.
Lowest Insurance Price Quotes for Teens
USAA may have some of the cheapest car insurance rates in Kansas City at around $642 each year. The Hartford, Electric, Allied, and Travelers are also some of the lowest-priced Kansas City, MO car insurance companies.
As shown in the rates above, if you are currently insured with Allied and switched to The Hartford, you might see a yearly price reduction of in the vicinity of $24. Policyholders with Travelers may save as much as $181 a year, and MO Farm Bureau policyholders might lower prices by up to $204 a year.
To find the cheapest rates for your vehicle, click here to start your free quote or click several companies below for low rates.
It’s important to note that these policy prices are averages for all insureds and vehicles and are not factoring in an exact vehicle garaging location for teenage males. So the company that is best for you may not even be in the top 23 companies shown above. That points out the importance of why you need to quote rates from as many companies as possible using your own individual information.
One of the many considerations 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 higher rates, whereas less populated areas benefit from lower prices.
The information below lists the highest-priced areas in Missouri for teenage males to buy car insurance in. Kansas City is ranked at #5 with an annual cost of $1,257 for car insurance, which is approximately $105 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Saint Louis | $1,430 |
| 2 | Florissant | $1,401 |
| 3 | University City | $1,352 |
| 4 | Raytown | $1,277 |
| 5 | Kansas City | $1,257 |
| 6 | Ballwin | $1,244 |
| 7 | Mehlville | $1,222 |
| 8 | Chesterfield | $1,220 |
| 9 | Independence | $1,214 |
| 10 | Wildwood | $1,201 |
| 11 | Liberty | $1,189 |
| 12 | Kirkwood | $1,187 |
| 13 | Joplin | $1,160 |
| 14 | Blue Springs | $1,138 |
| 15 | Lee’s Summit | $1,135 |
| 16 | Saint Peters | $1,128 |
| 17 | Saint Joseph | $1,122 |
| 18 | Wentzville | $1,112 |
| 19 | Columbia | $1,100 |
| 20 | Saint Charles | $1,096 |
| Get a Custom Quote Go | ||
Premium costs are approximated as the garaging address in Kansas City can alter premium rates substantially.
Liability rates compared to full coverage
Saving money on auto insurance should be important to the majority of vehicle owners, and a great way to pay less for insurance for teenage males is to only buy liability coverage. The diagram below shows the difference between premium costs with full physical damage coverage compared to only buying liability only. The costs are based on no accidents or driving violations, $500 deductibles, marital status is single, and no discounts are applied to the premium.
If we average the cost for all age groups, physical damage coverage on your policy costs $1,262 per year more than just buying liability only. Many drivers will wonder when is the right time to remove full coverage. There is no specific rule of when to eliminate physical damage insurance, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your vehicle’s replacement cost is $11,500 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $10,500 after the policy deductible has been paid. If you are paying over $1,050 a year to have full coverage, then you may want to consider only buying liability coverage.
Best auto insurance in Missouri
Selecting a good quality insurance provider is difficult considering how many different companies there are to choose from in Kansas City. The ranking data shown below could help you pick which companies you want to consider comparing prices from. The ratings below include large insurance companies, so companies that have a smaller presence are not taken into consideration for 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Tips for finding budget-friendly car insurance for teenage males
The list below details some thrifty suggestions that can help Kansas City drivers locate more affordable car insurance.
- Good credit scores may make rates cheaper
- Try paying for small claims out-of-pocket
- Avoid having at-fault accidents
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Buy vehicles with five-star safety ratings
- Compare prices as often as possible
That last idea is particularly necessary, as was stressed in the prior article. Prices adjust frequently, so you should be ready to switch to a new company if a lower-cost policy is available.
Loyalty to a specific company is fine, but it’s not recommended if that loyalty ends up costing major coinage every year. Now is a great time to compare prices and find cheaper auto insurance for teenage males in Kansas City.