How Much Does Auto Insurance Cost for Drivers Under 21 in Kansas?

When the topic is car insurance, the word affordable should not appear anywhere in the article to describe car insurance rates. Nonetheless, cheap auto insurance for drivers under 21 may be a thing of the past. But don’t let that discourage you, because we are going to tell you how you can quote and buy insurance that you can afford to pay for.

Establishing which company offers the cheapest auto insurance rates for drivers under 21 takes a bit more work than just picking a company at random. Every insurance company uses their own method for determining prices, so let’s take a look at the most budget-friendly auto insurance companies in Kansas.

Keep in mind that Kansas auto insurance rates are impacted by many things which can substantially change the cost of having a policy. Simply having a birthday, buying a new vehicle, or getting caught speeding can trigger changes in premium that can cause some rates to be more affordable than before.

Best Insurance Companies for Minors

Compare Rates and Save

USAA has some of the lowest car insurance rates in Kansas at around $743 a year. The Hartford, Travelers, Allied, and Auto-Owners also qualify as some of the most economical Kansas insurance companies.

In the rate table above, if you are currently insured with Auto-Owners and switched to The Hartford, you might see a yearly savings of in the neighborhood of $280. Drivers with Farm Bureau Mutual may save as much as $348 a year, and Farmers policyholders might reduce prices by as much as $349 a year.

These policy prices are averaged for all insureds and vehicles and do not take into consideration a rate increase for drivers under 21. So the auto insurance company that has the cheapest rates for you may not even be featured in the list above. That point stresses why you need to quote rates from many companies using your own driver information and specific vehicle type.

When buying insurance for minors, one of the key considerations that insurance companies use when figuring the price of your policy is where your car is garaged in Kansas. Regions with larger populations or more claims like Garden City, Dodge City, and Great Bend likely pay more, whereas areas with less traffic congestion and claims receive better rates.

The next table rates the most expensive places in Kansas for drivers under 21 to buy car insurance in.

Rate information is approximated as vehicle location can revise prices greatly.

The type of vehicle requiring coverage is probably the biggest factor that determines the availablility of cheap insurance for drivers under 21 in Kansas. Vehicles with higher performance, a lack of advanced safety features, or a high likelihood of having liability claims will cost more to insure than more economical and safe models.

The next list illustrates auto insurance rates for a handful of the more afforable vehicles to insure.

Table data represents single male driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in garaging location in Kansas which can influence auto insurance rates greatly.

Based upon the table data, you can see that cars like the Honda Accord, Hyundai Elantra, and Honda CR-V will definitely be a few of the less-costly vehicles to insure for minors. Prices will tend to be higher just due to the fact that there is more inherent risk for drivers under 21, but generally speaking those makes and models will tend to have the best rates that you are likely to find.

The diagram below highlights how deductible selection can influence premium costs when researching cheap insurance for drivers under 21. Data assumes a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3809,3463,3093,2745],[‘Age 30’, 1939,1781,1601,1429],[‘Age 40’, 1935,1765,1577,1397],[‘Age 50’, 1759,1607,1439,1281],[‘Age 60’, 1703,1557,1395,1243],[‘Age 70’, 2077,1909,1727,1553]]);var options = {title: ‘Impact of Deductibles on Auto Insurance Cost in Kansas’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 40-year-old driver could cut expenses by $320 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $478 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could reduce their rates as much as $1,064 annually by selecting a higher deductible.

When increasing deductibles, it’s a good idea to have additional funds in a savings account to satisfy the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Picking the right insurance provider can be challenging considering how many choices you have in Kansas. The company information in the next section can help you analyze which auto insurance companies you want to consider when trying to find the cheapest insurance for drivers under 21. These rankings are only comprised of companies that insure vehicles nationwide, so companies that have a smaller presence will not be included in this list.

Top 10 Major Auto Insurers in Kansas Ranked by Customer Service

1. State Farm
2. Nationwide
3. Safeco Insurance
4. American Family
5. Travelers
6. Liberty Mutual
7. GEICO
8. Allstate
9. The Hartford
10. Farmers Insurance

Top 10 Major Auto Insurers Overall in Kansas

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

Best rates: Allstate, Progressive, Geico, or State Farm

If you want reliable car insurance for minors, the most popular companies are Allstate, Progressive, Geico, and State Farm. The next table points out price and claims rank as well as some different options shoppers can find with each company.