How Much are Kansas City Auto Insurance Quotes for a 20 Year Old Male?

For young men, one of the more important components that aid in calculating auto insurance rates is where you normally keep your vehicle in Kansas City. Cities with larger populations or higher claim trends tend to have higher rates, whereas areas with less crime or weather claims benefit from lower rates.

The illustration below lists the highest-priced places in Missouri for 20 year old guys to purchase a policy in. Kansas City makes the list at #4 with an annual premium of $1,295 for car insurance, which is about $108 monthly.

How much does car insurance cost in Kansas City, MO?
Rank City Average Per Year
1 Saint Louis $1,488
2 Florissant $1,444
3 University City $1,352
4 Kansas City $1,295
5 Raytown $1,277
6 Wildwood $1,238
7 Mehlville $1,235
8 Ballwin $1,232
9 Independence $1,227
10 Kirkwood $1,223
11 Chesterfield $1,220
12 Liberty $1,201
13 Lee’s Summit $1,170
14 Saint Joseph $1,168
15 Blue Springs $1,160
16 Saint Charles $1,129
17 Saint Peters $1,128
18 Joplin $1,126
19 Wentzville $1,112
20 O’Fallon $1,090
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Table data uses estimated as the specific geographic location can impact prices considerably.

Deciding which company offers the cheapest car insurance rates for 20 year old guys will require a bit more work than just picking a company at random. Each auto insurance company has a unique approach for setting rates, so to begin we’ll rank the car insurance companies that tend to have lower prices in Missouri.

It’s a good idea to be aware that Missouri car insurance rates are impacted by many things that may substantially change the cost of having a policy. Improving your credit rating, buying a home, or getting a ticket for careless driving may generate price changes that may make certain companies 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 $867
5 Auto-Owners $997
6 Travelers $1,028
7 MO Farm Bureau $1,052
8 Farmers $1,117
9 Nationwide $1,142
10 Cameron Mutual $1,154
11 State Farm $1,271
12 American Family $1,291
13 Safe Auto $1,363
14 Safeco $1,370
15 Progressive $1,410
16 MetLife $1,430
17 California Casualty $1,439
18 GEICO $1,448
19 Shelter $1,462
20 Encompass $1,516
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USAA offers some of the best car insurance rates in Kansas City at around $642 a year. This is $620 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners also are some of the cheaper Kansas City, MO insurance companies.

As the example above demonstrates, if you are a policyholder with The Hartford and switched to USAA, you might see an annual premium reduction of around $175. Missouri drivers with Electric may save as much as $199 a year, and Allied insureds might reduce prices by as much as $225 a year.

These premium estimates are averaged for all types of insureds and vehicles and and are not figured with an exact location for 20 year old guys. So the auto insurance company that fits your situation best may not even be in the top 23 companies shown above. That helps illustrate why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

The type of vehicle you are seeking coverage for is probably the biggest factor when comparing quotes for low-cost auto insurance for 20 year old guys. Vehicles with lower performance, excellent safety ratings, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models.

The next list presents car insurance rates for a selection of the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure in Kansas City, MO
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $3,433
Ford Escape Limited 2WD $3,485
Honda CR-V EX 4WD $3,495
Hyundai Elantra SE Touring Station Wagon $3,740
Toyota Prius $3,789
Ford Explorer XLT 4WD $3,823
Ford Edge SE AWD $4,025
Honda Odyssey EX W/Rear Entertainment $4,035
Volkswagen Jetta SE 2.5 Station Wagon $4,046
Dodge Grand Caravan Hero $4,077
Toyota RAV4 Sport 2WD $4,085
Jeep Grand Cherokee Laredo 4WD $4,077
Chevrolet Equinox LS 2WD $4,085
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Data based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in your specific Kansas City, MO location which can modify premiums noticeably.

Based upon these rates, you can expect models like the Honda Accord, Ford Escape, Honda CR-V, Hyundai Elantra, and Toyota Prius should be the cheapest vehicles to insure for young men. Auto insurance rates will tend to be more expensive just due to the fact that there is more claim risk for 20 year old guys, but in general those specific models will most likely have the lowest insurance rates that you’ll find.

Full coverage rates compared to liability-only

Saving money when shopping for car insurance is important to most vehicle owners, and one of the fastest ways to pay lower rates for insurance for 20 year old guys is to only buy liability insurance. The illustration below illustrates the difference between insurance prices with and without full coverage. The data is based on a clean driving record, no claims, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

As an overall average, full coverage on your policy costs an additional $1,217 per year more than just insuring for liability. Lot’s of drivers question when is it a good idea to stop buying full coverage. There is no clear-cut rule that works best for making the decision to drop physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your vehicle’s replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after the deductible is paid. If you are currently paying more than $600 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are a few cases where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Finding a highly-rated insurance provider can be challenging considering how many different companies there are to choose from in Missouri. The ranking data in the next section could help you decide which car insurance companies to look at when insurance shopping for 20 year old guys.

The rankings below only include major nationwide insurance companies, so companies that only write business in Missouri or surrounding areas are not included in this list. If you’d like to compare prices and find cheaper insurance for 20 year old guys, simply click here.

Top 10 Major Auto Insurers in Kansas City Ranked by Customer Satisfaction

  1. USAA – 92%
  2. American Family – 88%
  3. State Farm – 88%
  4. Nationwide – 88%
  5. 21st Century – 88%
  6. The Hartford – 87%
  7. Progressive – 87%
  8. AAA Insurance – 87%
  9. Farmers Insurance – 87%
  10. Liberty Mutual – 87%

Top 10 Major Auto Insurers Overall in Kansas City

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Get discount Kansas City auto insurance

Save on car insurance for young men in Kansas CityInsurers that sell policies for 20 year old guys may also offer policy discounts that may potentially lower prices by as much as 35% or more if you meet specific eligibility requirements. A few of the larger companies and their possible discounts are:

The illustration below shows the comparison of insurance prices with and without discounts applied to the rates. The prices are based on a female driver, no claims, a clean driving record, Missouri state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with passive restraint, paperless filing, paid-in-full, good student, anti-theft, and continuous coverage discounts applied. When drivers take advantage of discounts, theamount saved on car insurance for 20 year old guys is 21% or $341.

Low rates can quickly become overpriced

Missouri car insurance rates are impacted by many things that may substantially change the cost of having a policy. Improving your credit rating, moving to a new city, or having an accident can cause premium changes resulting in some companies being cheaper than before. Not only may your risk profile change, but car insurance companies change the rates they charge in Missouri every year in order to be able to pay unexpected claims. Larger than normal claims may cause more expensive premiums, while lower claims may cause cheaper Kansas City car insurance rates.

For example, the data below demonstrates which company has the cheapest car insurance in Kansas City, MO for a 40-year-old male driver with no violations or accidents, and a good credit history. Based on his current risk profile, USAA might quote the most affordable car insurance rates in Kansas City at $833 per year. This is $429 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners are the remainder of the top five cheapest Kansas City, MO auto insurance companies.

Now let’s give the driver from the above example a chargeable accident, less-than-perfect credit, and a few traffic violations. Because each insurer uses their own formula to set their prices, analyzing rates could result in a new list of companies as shown below.

MO Farm Bureau now has the lowest car insurance rate in Kansas City with The Hartford, Farmers, Nationwide, and Cameron Mutual completing the list. This example shows why it is critical to compare rates to get the cheapest insurance rates for 20 year old guys. Auto insurance prices are made up of many different factors and change frequently, so the most affordable company when you last compared rates may now be one of the more expensive options.

If you like to have some advice when comparing insurance rates for 20 year old guys, the agencies below can most likely help you determine which policy is best.

To find a Kansas City insurance agency close to you, click the button following the list or click here to compare price quotes.

American Family Insurance – Paul Arnone
3851 N Oak TrafficwayKansas City, MO 64116(816) 454-2152

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

Elaine Fry Agency — State FarmĀ®
1310 Carondelet Dr #200Kansas City, MO 64114(816) 942-7800

More Kansas City, MO insurance agents