How Much are Auto Insurance Quotes for Inexperienced Drivers in Kansas?

Wouldn’t it be awesome if we could instantly tell you the one perfect company that has the cheapest coverage for inexperienced drivers? Unfortunately, it’s just not that easy, as there are a whole bunch of unknowns such as if you are a homeowner, the deductible level you need, what liability limits you need, and the performance level of your vehicle. This article will detail some of these factors and will give you a good beginning to your quest for cheaper car insurance.

Finding dependable, cheap car insurance is difficult, and determining which company offers the lowest-priced insurance rates for inexperienced drivers takes a bit more work. Every auto insurer uses their own method for determining rates in each state, so let’s begin by taking a look at the lowest cost insurance companies in Kansas.

It’s important to understand that Kansas insurance rates are influenced by many factors which can significantly increase or decrease the cost of a policy. Simply improving your credit, adding a teenager to your policy, or having a fender bender can cause premium changes that can make some companies more affordable than before.

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USAA quotes some of the best car insurance rates in Kansas at around $766 a year. The Hartford, Allied, Travelers, and Auto-Owners would also be considered some of the cheapest Kansas auto insurance companies.

In the above rates, if you are a policyholder with The Hartford and switched to USAA, you may realize an annual premium reduction of in the vicinity of $41. Policyholders with Allied may save as much as $288 a year, and Travelers insureds might reduce rates by $307 a year.

Remember that these premiums are averages across all types of insureds and vehicles and and are not calculated with a rate decrease for inexperienced drivers. So the auto insurance company that is best suited for you may not even be included in the list of companies shown earlier. That helps illustrate why you need to get rate quotes from many companies using your own specific driver and vehicle information.

The make and model of vehicle you are seeking coverage for is one of the biggest factors when shopping around for cheap auto insurance for inexperienced drivers in Kansas. Vehicles with limited speed and performance, good safety features, or a low likelihood of having liability claims will cost substantially less to insure than adrenaline junky models.

The next table showcases insurance premiums for the cheaper vehicles to buy insurance for.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium costs do not factor in zip code location which can alter premiums substantially.

Based upon the rates shown, we can expect vehicles like the Ford Explorer, Subaru Forester, Ford Escape, Chevrolet Traverse, and Nissan Altima should be some of the less-costly vehicles to insure for new drivers.

How accidents and violations affect rates

One of the best ways to get good insurance prices in Kansas for new drivers is to drive safely and avoid accidents and traffic violations. The diagram below illustrates how speeding tickets and accidents impact auto insurance rates for each age group. The premiums assume a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

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In the previous example, the average cost of car insurance per year with a clean driving record and no accidents is $1,355. Get one speeding ticket and the average cost surges to $1,526, an increase of $171 each year. Now add one accident along with the one speeding ticket and the yearly cost of insurance for inexperienced drivers jumps again to an average of $2,003. That’s an increase of $647, or $54 per month, just for not being attentive to the road!

State Farm, Progressive, Allstate, or Geico: Who is best?

When shopping around for car insurance for new drivers in Kansas, four companies to definitely compare rates with are State Farm, Progressive, Allstate, and Geico. When added together, they insure over 48% of the entire U.S. auto insurance market. All of them offer physical damage and liability coverage, but each has unique options and discounts that policyholders can choose from. The next table breaks down price, claims, and customer service ratings, as well as some optional coverages that are available for policyholders.