Cheap Car Insurance Quotes for a 20 Year Old Male in Kansas

The words “cheap” and “auto insurance” really don’t belong together, in particular when you are trying to find the best insurance rates for 20 year old guys. Let’s familiarize you with a few of the things that help determine car insurance rates, and come up with some ways to lower the cost of your next policy.

Figuring out which companies have the cheapest car insurance rates for 20 year old guys will involve a little more work than just comparing rates from one or two companies. Each company used slightly different criteria for determining prices, so let’s take a look at the lowest cost car insurance companies in Kansas.

It’s important that you understand Kansas car insurance rates are based on many factors which can substantially change the price you have to pay. Getting older, filing a claim, or getting a ticket for careless driving can trigger rate changes that may make certain companies more affordable than the competition.

Compare Cheap Insurance Quotes for Men Age 20

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USAA may offer some of the lowest car insurance rates in Kansas at around $766 per year. The Hartford, Auto-Owners, Allied, and Travelers are also some of the lowest-priced Kansas auto insurance companies.

As the example above demonstrates, if you are currently insured with Allied and switched to USAA, you might achieve yearly savings of in the vicinity of $332. Kansas drivers with Travelers may save as much as $340 a year, and Farmers policyholders might lower prices by up to $409 a year.

To see if your current coverage is too expensive, click here to start a quote or click several companies below for low rates.

Remember that these prices are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a price increase for 20 year old guys. So the insurer that can offer you the best rate may not even be shown in the above list. That points out the importance of why you need to get auto insurance quotes using your own specific driver and vehicle information.

The make and model of vehicle that is being insured is a large consideration when comparing quotes for economical insurance for 20 year old guys. Vehicles with high performance engines, poor crash test ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models.

The list below ranks auto insurance premiums for a selection of the more afforable vehicles to buy insurance for.

Price data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in vehicle location which can modify insurance rates significantly.

Based upon the table data, we can conclude that makes and models like the Ford Escape, Honda CR-V, and Jeep Wrangler are going to be a few of the less-costly vehicles to insure for young men. Auto insurance rates will trend higher just due to the fact that there is more claim risk for 20 year old guys, but generally speaking those vehicles will most likely have the lowest insurance rates that you are likely to find.

For young men, one of the more important components that auto insurance companies use when figuring the cost of insurance is the neighborhood you call home. Urban areas that are densely populated like Dodge City, Liberal, and Great Bend tend to pay more, whereas areas that tend to be more rural generally pay less for auto insurance.

The illustration below rates the priciest cities in Kansas for 20 year old guys to buy auto insurance in.

Rate information is estimated as the garaging address in Kansas can decrease or increase auto insurance rates significantly.

The information below shows how choosing a deductible can change insurance prices when quoting cheap insurance for 20 year old guys. The information is based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

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As shown above, a 30-year-old driver could save $358 a year by increasing from a $100 deductible up to a $500 deductible, or save $538 by using a $1,000 deductible. Youthful drivers, like the 20-year-old example, could drop their prices as much as $1,064 every year by using higher deductibles when buying full coverage. If you make the decision to raise deductibles, it will be necessary to have additional savings on hand to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Violations and accidents raise rates

One of the best ways to find low car insurance rates in Kansas for young men is to be a safe driver and maintain a clean driving record. The illustration below illustrates how violations and at-fault collisions can impact insurance rates for each different age category. The premiums assume a single male driver, full coverage, $1,000 deductibles, and no discounts are applied.

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The chart shows that the average cost of an auto insurance policy in Kansas per year with no accidents and a clean driving record is $1,207. Get written up for one speeding ticket and the average cost jumps to $1,362, an increase of $155 each year. Then add one accident along with the one speeding ticket and the yearly cost of car insurance for 20 year old guys goes up to an average of $1,788. That’s an increase of $581, or $48 per month, just for not driving safely!

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

When comparing car insurance for young men in Kansas, the most popular companies are State Farm, Allstate, Progressive, and Geico. Between them, they insure almost half of all policies written. The data below shows price, claims, and customer service ratings, as well as some optional coverages that are available.