Best Cheap Auto Insurance Quotes for Teenagers in Kansas

The make and model of vehicle that is being insured is one of the largest factors when consumers are trying to find cheaper auto insurance for teenagers. Vehicles with lower performance, an excellent safety record, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models. The next list illustrates insurance premiums for the most budget-friendly automobiles to buy insurance for.

Premium data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in garaging location in Kansas which can affect premium rates substantially.

Based on these rates, we can assume that vehicles like the Hyundai Elantra, Honda Accord, Ford Escape, and Chevrolet Traverse are going to be some of the most budget-friendly vehicles to insure for teen drivers. Rates will be higher anyway just due to the fact that there is more risk for teenagers, but in general those vehicles will most likely have the best insurance prices that you’ll find.

Finding good, budget auto insurance is not the easiest thing to do, and figuring out which companies offer the best auto insurance rates for teenagers will involve a little more work. Premiums will be quite a bit higher than the average policy in Kansas attributed to the additional risk related to selling coverage for teen drivers, but competitively-priced insurance may be attainable if you carefully shop around. Every car insurance company has a different formula for determining rates, so let’s take a look at the most affordable auto insurance companies in Kansas.

It’s important that readers know that Kansas auto insurance rates are calculated based on many things that will increase or decrease the price of coverage. Price variation is why it is crucial to perform an extensive rate comparison when trying to find the most budget-friendly insurance rates for teenagers. Car insurance prices are made up of many risk factors and can decrease or increase without notice, so the most economical company the last time you shopped your coverage around may now be quite expensive.

Best Auto Insurance Prices for Teens

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USAA has some of the lowest car insurance rates in Kansas at around $743 a year. The Hartford, Auto-Owners, Allied, and Travelers would also be considered some of the cheaper Kansas auto insurance companies.

As the example above demonstrates, if you currently have a policy with Travelers and switched to The Hartford, you might realize annual savings of in the neighborhood of $242. Drivers with Farmers may save as much as $333 a year, and Farm Bureau Mutual policyholders might reduce rates by $344 a year.

To find out how your current rates compare, click here to start your custom quote or feel free to get quotes from the companies below.

Understand that those policy prices are averaged across all insureds and vehicles and do not take into consideration a price increase for teenagers. So the car insurance company that is best suited for you may not even be featured in the list above. That is why you need to compare prices as often as possible using your own personal information and vehicle type.

When shopping for car insurance for teen drivers, one of the many considerations that control the policy price is where you choose to live in Kansas. Areas with more people or more claims like Garden City, Kansas City, and Great Bend tend to pay more, whereas areas with less congestion have the benefit of the best cheap auto insurance for teenagers in Kansas.

The information below rates the most expensive cities in Kansas for teenagers to buy car insurance in.

Table data uses estimated as zip code location can influence rates greatly.

Selecting the top car insurance provider is difficult considering how many companies there are to choose from in Kansas. The ranking data below could help you select which insurers to look at comparing price quotes from.

These rankings are only made up of companies who write in the majority of U.S. states, so companies that only write business in Kansas or surrounding areas are not included in this list. If you wish to compare prices from these and other top-rated companies, click here.

Safe drivers pay less for auto insurance

The common sense way to score the best cheap auto insurance for teenagers in Kansas is to be an attentive driver and avoid accidents and keep your driving record clean. The illustration below demonstrates how citations and at-fault collisions can influence car insurance costs for different ages of insureds. The premiums assume a single female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

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In the previous example, the average cost of an auto insurance policy in Kansas per year with a clean driving record and no accidents is $1,745. Get one speeding ticket and the average cost hikes up to $1,980, an increase of $234 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for teenagers increases to an average of $4,069. That’s an increase of $2,324, or $194 per month, just for a couple of infractions!

Find the best cheap auto insurance for teenagers in Kansas

The list below shows many money-saving solutions that can help drivers buy the cheapest auto insurance.

• At-fault accidents can raise rates significantly
• Do not get tickets or violations
• Higher comprehensive and collision coverage deductibles will save money
• Improve your credit score
• On older vehicles, drop full coverage
• Choose a safer vehicle and pay lower rates
• Compare rates once a year for cheaper prices

That last idea is very critical, as we noted in the prior article. Coverage prices can change significantly in a year, so drivers shouldn’t be reluctant to buy from a new company if you find a cheaper price.

Many drivers have brand loyalty and that’s fine, but is isn’t recommended if it’s costing you potentially thousands of dollars a year. Now is a great time to compare rates and find cheaper insurance for teenagers.