How Much Does Car Insurance Cost for 16 Year Olds in Kansas?

The type of vehicle you are seeking coverage for is one of the biggest factors in finding cheap auto insurance for 16 year olds in Kansas. Vehicles with limited speed and performance, excellent safety ratings, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models.

The table below estimates car insurance prices for a number of the most economical automobiles to insure.

Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in garaging location in Kansas which can raise or lower auto insurance rates significantly.

By looking at the data, you can infer that makes and models like the Honda Accord, Ford Escape, Honda CR-V, and Toyota Prius are most likely going to be the less-costly vehicles to insure for new drivers. Car insurance rates will be higher anyway just due to the fact that there is more risk for 16 year olds, but generally speaking those specific models will most likely have the cheapest auto insurance rates that you are likely to find.

Finding reliable, reasonably-priced car insurance is not most people’s favorite thing to do, and finding out which insurers offer the most affordable insurance rates for 16 year olds involves even more diligence. Prices may be much pricier than the state average, with the extra cost attributed to the potential for higher claims that comes with offering coverage for new drivers, but economical coverage should be possible if you look hard enough. Each insurance company has their own guidelines for determining rates in each state, so to begin we’ll rank the most competitive insurance companies in Kansas.

It’s important that you understand Kansas insurance rates are calculated based on many things that can increase the policy premium. Improving your financial situation, buying a higher-value vehicle, or getting caught speeding can trigger rate changes that can cause some rates to be much higher than others.

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USAA may offer some of the lowest car insurance rates in Kansas at around $750 a year. The Hartford, Allied, Auto-Owners, and Travelers also rank well as some of the cheaper Kansas insurance companies.

As depicted above, if you buy coverage from Auto-Owners and switched to The Hartford, you could realize savings of upwards of $256. Customers with Travelers may save as much as $267 a year, and Farmers policyholders might lower prices by up to $301 a year.

Be aware that those premiums are averages for all insureds and vehicles and are not factoring in a rate increase for 16 year olds. So the car insurance company that has the lowest price for you may not even be featured in the above list. That helps illustrate why you need to compare prices as often as possible using your own driver and vehicle profiles.

Should you buy full coverage?

Finding cheap auto insurance for 16 year olds in Kansas is the goal of most vehicle owners, and one great way to buy cheaper insurance is to not pay for full coverage. The example below compares car insurance costs when comparing full coverage to liability only. The data is based on no tickets, no at-fault accidents, $100 deductibles, single status, and no discounts are applied to the premium.

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On average, physical damage coverage on your policy costs an additional $2,204 per year over and above liability only. That is a large expense which might make you wonder if paying for full coverage is worth it. There is no clear-cut formula of when to stop paying for physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

There are some scenarios where dropping physical damage coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

Which major car insurance company is best?

If you are shopping around for car insurance for new drivers, the most popular companies are State Farm, Allstate, Geico, and Progressive. Combined they make up about half of all auto insurance written. The following table illustrates some of the different options that are available for policyholders.

Cheap insurance quotes for new drivers

There are quite a few ways to shop for and buy insurance in Kansas, but the most popular ways are from an exclusive insurance agency such as Auto-Owners or State Farm, an independent insurance agent, or from a direct company like Progressive. You can use whichever you prefer, but it’s important to point out the distinctions in how they price policies.

Independent agents are appointed by several companies and can get rate quotes from each one. These types of agencies do not write with just one company and can give you a larger rate selection, which can give you a better chance of saving money. If cheaper coverage is found, your policy can be easily switched to a different company which prevents you from having to find an new insurance agent.

A captive or exclusive agent is only able to quote your policy with one insurance company, two popular examples being an Auto-Owners or Allstate agent. Exclusive agents cannot place coverage with different providers, which necessitates shopping around.

The last way is buying direct, which means you skip local insurance agents and instead shop from a direct company like Esurance. This insurance option can be good for families who have lower risk management needs and have knowledge of what specific coverages they need.

Which way works best to buy cheap auto insurance for 16 year olds in Kansas? We’d like to tell you buying direct results in the cheapest price since there is no need to pay agent commissions, but in reality, that argument does not hold true. We’d also like to say using an independent agent is the best way since they can provide multiple quotes, but again, that’s not a true statement. And sometimes, exclusive agents have coverage prices that are the cheapest in Kansas.

Since insurance companies use so many rating factors, really the only way to make sure you’re not overpaying for insurance is to get rate quotes and compare. Industry experts recommend getting prices from all three types in order to find the best price. For a list of companies with some of the cheapest Kansas insurance rates, click here to view.