Who Has the Cheapest Auto Insurance Quotes for Good Drivers in Kansas?

One of the many considerations that helps insurance companies calculate car insurance rates is where you live in Kansas. Areas that are more densely populated like Dodge City, Liberal, and Wichita are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.

The next table displays the most expensive places in Kansas for good drivers to purchase a policy in.

Prices are approximated as the garaging address in Kansas can modify insurance rates considerably.

The vehicle requiring coverage is one of the biggest factors when comparison shopping for cheaper coverage for good drivers. Vehicles with high performance engines, a lack of advanced safety features, or a track record of large liability claims will cost substantially more to insure than more economical and safe models.

The tables below illustrates insurance rates for a selection of the more afforable vehicles to insure.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in your specific Kansas location which can affect prices considerably.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in your specific Kansas location which can alter auto insurance rates noticeably.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in specific location information which can modify price quotes considerably.

Finding out which companies quote the cheapest car insurance rates for good drivers requires more time than just quoting one company’s rates.

Every insurance company uses their own method to determine premium rates, so let’s take a look at the lowest cost car insurance companies in Kansas.

Cheap Insurance Rates for Good Drivers

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USAA has some of the most affordable car insurance rates in Kansas at around $750 per year. The Hartford, Allied, Auto-Owners, and Travelers also are some of the cheaper Kansas auto insurance companies.

In the above rates, if you currently have coverage with The Hartford and switched to USAA, you might realize an annual savings of roughly $57. Customers with Allied may save as much as $337 a year, and Auto-Owners customers might lower prices by $345 a year.

To find the cheapest auto insurance for good drivers in Kansas for your vehicle, click here to begin a quote or visit any of the companies below.

Understand that those policy rates are averaged for all ages of drivers and types of vehicles and are not factoring in a rate decrease for good drivers. So the auto insurance company that can offer you the lowest price may not even be in the list of companies above. That point stresses why you need to compare prices as often as possible using your own specific driver information and vehicle.

Full coverage rates compared to liability-only

Finding the cheapest auto insurance for good drivers in Kansas is important to most drivers, and an easy way to save on the cost of insurance is to only buy liability coverage. The diagram below illustrates the difference between insurance prices when comparing full coverage to liability only. The data assumes no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

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If averaged for all ages, physical damage coverage costs $1,207 per year over and above liability only. That touches on the question when is the right time to remove full coverage. There is no definitive rule of when to eliminate full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s say your vehicle’s replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $7,000 after the policy deductible has been paid. If it’s costing in excess of $700 annually for physical damage coverage, then it could be time to drop full coverage.

Cautious drivers save money

In a perfect world, the best way to score the cheapest auto insurance for good drivers in Kansas is to drive carefully and avoid at-fault accidents and violations. The illustration below highlights how traffic violations and at-fault accidents can drive up annual premium costs for each different age group. The costs are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2665,2897,3543],[‘Age 30’, 1375,1609,2255],[‘Age 40’, 1333,1567,2213],[‘Age 50’, 1225,1455,2105],[‘Age 60’, 1205,1435,2083],[‘Age 70’, 1407,1637,2287]]);var options = {title: ‘Violations, Accidents, and Kansas Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Kansas’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of a car insurance policy in Kansas per year with no violations or accidents is $1,535. Receive one speeding ticket and the average cost hikes up to $1,767, an increase of $232 each year. Then add in one accident along with the one speeding ticket and the 12-month cost of car insurance for good drivers jumps again to an average of $2,414. That’s an increase of $879, or $73 per month, just for not maintaining a clean driving record!

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

When it comes to buying auto insurance for safe drivers in Kansas, four of the best places to start are Geico, Allstate, State Farm, and Progressive. Each one has a little bit different set of discounts and options that buyers can select from. The table below breaks down ratings for price, service, and claims, in additional to some of the optional coverages you can expect with each one.