Cheapest Car Insurance for 19 Year Olds in Kansas

When we talk about car insurance, the words cheap or affordable really should not be used anywhere in the article as a descriptor for car insurance rates. The fact is, cheap car insurance for 19 year olds can be hard, if not impossible, to find. But fear not, because we will show you how you can get car insurance that fits into your budget.

Figuring out which company quotes the best car insurance rates for 19 year olds will involve more work in order to find the best price.

Every auto insurer uses their own formula to set premium rates, so we’ll go over the car insurance companies with the most affordable rates in Kansas. It’s important that you understand Kansas car insurance rates are impacted by many factors that can increase the price you have to pay. Simply getting older, buying a different vehicle, or getting a driving violation can trigger changes in premium that can make some companies cheaper than others.

Cheapest Insurance Rates for Teens

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USAA may have some of the lowest car insurance rates in Kansas at around $766 per year. The Hartford, Allied, Auto-Owners, and Travelers would also be considered some of the cheaper Kansas auto insurance companies.

As shown above, if you currently have a policy with Auto-Owners and switched to USAA, you might achieve a yearly savings of in the neighborhood of $319. Kansas drivers with Travelers may save as much as $340 a year, and Farmers insureds might see rate reductions of $363 a year.

Remember that these prices are averages across all types of insureds and vehicles and and are not calculated with a price increase for 19 year olds. So the company that is best for you may not even be featured in the list of companies above. That helps illustrate why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

The make and model of vehicle that needs insurance is a large factor that determines whether or not you find the best cheap coverage for 19 year olds. Vehicles with higher performance characteristics, a lack of safety features, or a track record of large liability claims will cost significantly more to insure than safer, lower-performance models.

The information below outlines car insurance prices for a selection of the cheapest vehicles to buy insurance for.

Above prices assume single male driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in garaging location in Kansas which can decrease or increase coverage prices significantly.

Above prices assume single male driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in garaging location in Kansas which can change auto insurance rates noticeably.

Premium data assumes single male driver age 19, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in vehicle garaging location which can impact rates greatly.

The information below illustrates how choosing a deductible can increase or decrease insurance prices when trying to find cheap insurance for 19 year olds. The premiums are based on a single male driver, full coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2819,2571,2301,2045],[‘Age 30’, 1465,1351,1215,1083],[‘Age 40’, 1451,1327,1187,1051],[‘Age 50’, 1321,1211,1085,965],[‘Age 60’, 1275,1171,1051,937],[‘Age 70’, 1545,1425,1293,1163]]);var options = {title: ‘Impact of Higher Deductibles on Insurance Prices in Kansas’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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 chart above illustrates that a 40-year-old driver could lower their car insurance rates by $236 a year by changing from a $100 deductible to a $500 deductible, or save $356 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, could roll back prices as much as $774 or more by choosing a larger deductible amount.

If you make the decision to raise deductibles, it will be required to have plenty of money set aside to satisfy the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Impact of careless driving on car insurance rates

A great way to enjoy cheap car insurance prices for teenage drivers is to drive attentively and not have accidents or get tickets. The chart below demonstrates how speeding tickets and at-fault fender-benders raise insurance rates for different age categories. The costs are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

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’, 2395,2607,3185],[‘Age 30’, 1233,1445,2025],[‘Age 40’, 1203,1415,1993],[‘Age 50’, 1107,1315,1897],[‘Age 60’, 1087,1297,1877],[‘Age 70’, 1279,1489,2071]]);var options = {title: ‘Impact of Tickets and Claims on Kansas Insurance Rates’,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 prior example, the average cost of car insurance in Kansas per year with no accidents and a clean driving record is $1,384. Receive one speeding ticket and the average cost increases to $1,595, an increase of $211 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for 19 year olds increases to an average of $2,175. That’s an increase of $791, or $66 per month, just for not driving carefully!

Ideas for finding economical car insurance for 19 year olds

It is possible to find better rates, and here are some of the better penny-pinching solutions that can help drivers quote low-cost car insurance.

• Raise physical damage deductibles
• Avoid speeding and other traffic citations and pay less
• Save money by bundling your home and auto policies
• Staying accident-free helps keep rates low
• If possible, do not file small claims
• Pay cheaper rates with good credit scores
• Compare rates often to find the best deal

That last piece of advice is notably vital, as we discussed in the prior information. Car insurance prices adjust often, so drivers shouldn’t be reluctant to buy a policy from a new company if a cheaper rate is available.

Loyalty to a specific company is fine, but it’s not a great idea if that faithfulness ends up costing you a lot of money every month. In just a couple of minutes you could compare rates and find cheaper car insurance for 19 year olds.