Who Has Cheap Auto Insurance Quotes for a Learners Permit in Kansas?

The safety and performance level of the vehicle requiring insurance is probably the largest consideration that determines if you can find the lowest-priced coverage for a learners permit. Vehicles with lower performance, good safety features, or a positive history of liability claims will cost substantially less to insure than higher performance models. The tables below shows coverage prices for some of the most cost-effective automobiles to buy insurance for.

Above prices assume single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific location which can modify coverage prices noticeably.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in vehicle location which can raise or lower coverage rates significantly.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can influence rates substantially.

For Kansas drivers, one of the criteria that establish the annual cost of car insurance is where your residence is. Areas with a lot of weather claims or more people like Garden City, Liberal, and Wichita are more likely to have higher rates, whereas areas that tend to be more rural tend to receive slightly lower rates.

The information below sorts the most costly cities in Kansas for a learners permit in which to buy car insurance.

Price information shown is estimated as specific Kansas zip code can modify premium rates greatly.

Establishing which companies quote the cheapest auto insurance rates for a learners permit takes a little more work than just comparing a company or two.

Each insurance company has a proprietary method to determine premium rates, so we’ll take a look at the most budget-friendly auto insurance companies in Kansas. It’s important that readers know that Kansas auto insurance rates are calculated based on many things which can substantially decrease or increase the price you pay. Improving your credit rating, moving to a different location, or having an accident can trigger rate changes that can now make some companies more affordable than the competition.

Best Auto Insurance Prices in Kansas

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USAA normally has some of the best car insurance rates in Kansas at around $743 per year. The Hartford, Auto-Owners, Travelers, and Allied are also some of the more affordable Kansas auto insurance companies.

As shown in the rates above, if you have coverage with Travelers and switched to USAA, you might achieve annual savings of in the neighborhood of $330. Insureds with Allied could save as much as $344 a year, and Farmers policyholders might cut rates by $421 a year.

These premium estimates are averaged across all types of drivers and the different vehicles they drive and are not factoring in a price surcharge for a learners permit. So the car insurance company that has the cheapest rates for you may not even be featured in the above list. That is why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

Discounts on Kansas insurance rates

Car insurance companies that offer cheap car insurance for a learners permit in Kansas may also offer rate discounts that could reduce prices by 35% or more if you meet the requirements. Large auto insurance companies and a partial list of their discounts are outlined below.

• State Farm has discounts for passive restraint, Drive Safe & Save, multiple policy, Steer Clear safe driver discount, anti-theft, and good driver.
• GEICO policyholders can earn discounts including membership and employees, federal employee, five-year accident-free, anti-lock brakes, military active duty, air bags, and defensive driver.
• SAFECO includes discounts for multi-car, anti-lock brakes, drive less, teen safety rewards, and anti-theft.
• Farmers Insurance discounts include bundle discounts, pay in full, homeowner, early shopping, multi-car, youthful driver, and mature driver.
• AAA offers premium reductions for multi-car, good driver, pay-in-full, good student, AAA membership discount, and anti-theft.
• USAA may offer discounts for multi-vehicle, safe driver, good student, vehicle storage, defensive driver, and new vehicle.

The information below shows the difference between insurance premiums with and without policy discounts. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Kansas state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, continuous coverage, paperless filing, vehicle safety, paid-in-full, and good student discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for a learners permit is 28% or $509.

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The information below illustrates how choosing a deductible can increase or decrease insurance costs when trying to find cheap insurance for a learners permit. The price estimates are based on a married female driver, full coverage, and no additional discounts are factored in.

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A 30-year-old driver could cut expenses by $308 a year by increasing from a $100 deductible to a $500 deductible, or save $460 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, can cut up to $652 annually by using a higher deductible.

If you make the decision to raise deductibles, it will be required to have enough spare savings to enable you to cover the extra out-of-pocket expense associated with higher deductibles.

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

When buying auto insurance for new drivers in Kansas, some of the first companies to look at are Allstate, State Farm, Geico, and Progressive. When added together, they insure 48.5% of all car insurance policies written. All of them offer physical damage and liability coverage, but each has somewhat different options that add value to each policy. The table below points out price and claims rank as well as some different options that may be available in Kansas.