Cheapest Auto Insurance Quotes for Young Drivers in Kansas

This article would sure be shorter if we could just tell you the one best company that has the best auto insurance prices in Kansas. It’s just not that easy, however, as there are many unknown factors such as if you have purchased a home, how much liability insurance you need, and the level of deductible you choose. We will touch on the best ways to avoid overpriced car insurance and should give you a good beginning to your quest for cheaper car insurance.

For Kansas drivers, one of the components used to establish car insurance rates is where your car is garaged in Kansas. Cities with larger populations or higher claims like Garden City, Liberal, and Wichita are more likely to have higher rates, whereas more rural areas have the enjoyment of a little cheaper coverage.

The table below shows the most costly cities in Kansas for young drivers to purchase auto insurance in.

Information shown are estimated as vehicle location can lower or raise coverage rates substantially.

Locating budget insurance is challenging, and determining which companies have the most affordable auto insurance rates for young drivers will require even more diligence. Prices will more than likely be quite a bit pricier than the average policy in Kansas due to the extra risk that comes with offering coverage for youthful drivers, but reasonable insurance should be obtainable if you compare enough companies. Every insurance provider uses a slightly different approach to set policy rates, so let’s take a look at the overall cheapest auto insurance companies in Kansas.

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USAA quotes some of the best car insurance rates in Kansas at around $743 each year. The Hartford, Auto-Owners, Travelers, and Allied would also be considered some of the lowest-priced Kansas car insurance companies.

As illustrated above, if you are a customer of The Hartford and switched to USAA, you might see a yearly price reduction of in the vicinity of $72. Kansas drivers with Auto-Owners could save as much as $310 a year, and Travelers customers might cut rates by $330 a year.

Remember that these estimates are averages for all drivers and vehicles in Kansas and do not factor in a price surcharge for young drivers. So the insurer that has the cheapest rates for you may not even be in the list of companies shown earlier. That point stresses why you need to quote rates from many companies using your own personal information and vehicle type.

Get discount Kansas auto insurance

Insurance providers that offer the cheapest car insurance for young drivers in Kansas may also offer premium discounts that could reduce prices by 25% or more if you are eligible to receive them. Companies and a selection of discounts are included below.

• State Farm may offer discounts for driver’s education, good driver, safe vehicle, accident-free, anti-theft, good student, and Drive Safe & Save.
• GEICO may include discounts for driver training, multi-policy, anti-theft, emergency military deployment, federal employee, and anti-lock brakes.
• Progressive has savings for homeowner, online signing, multi-vehicle, online quote discount, continuous coverage, multi-policy, and good student.
• 21st Century offers premium reductions for defensive driver, 55 and older, air bags, student driver, and driver training.
• American Family may have discounts that include air bags, Steer into Savings, good student, TimeAway discount, good driver, multi-vehicle, and defensive driver.
• The Hartford has discounts for driver training, defensive driver, bundle, good student, vehicle fuel type, air bag, and anti-theft.
• AAA discounts include education and occupation, good student, pay-in-full, good driver, anti-theft, AAA membership discount, and multi-policy.

The chart below illustrates the difference between insurance costs with and without some available policy discounts. The information is based on a male driver, no accidents, no driving violations, Kansas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with paperless filing, continuous coverage, vehicle safety, good student, anti-theft, and paid-in-full discounts applied. When discounts are applied, the the average yearly reduction on auto insurance for young drivers is 28% or $449.

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Full coverage versus liability-only in Kansas

Finding the cheapest car insurance for young drivers in Kansas should be important to most people, and one of the fastest ways to buy cheaper insurance is to buy only liability coverage. The illustration below illustrates the difference between annual premium costs with full phyical damage coverage and with liability coverage only. The price estimates are based on no claims or driving citations, $250 deductibles, drivers are not married, and no other discounts are factored in.

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If we average all the age groups together, physical damage coverage costs $1,509 per year more than just buying liability only. At some point, about every driver wonders when is it safe to stop buying full coverage. There is no set rule of when to phase out full coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your vehicle’s claim settlement value is $11,500 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $10,500 after you pay the deductible. If you are currently paying more than $1,050 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are a few situations where only buying liability is not advised. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.

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

If you are looking for the best car insurance for youthful drivers, the companies that insure more vehicles than anyone else are State Farm, Allstate, Geico, and Progressive. All four offer physical damage and liability coverage, but each has a distinct set of features and optional coverages that may influence your buying decision. The table below rates some of the different features offered by each company.