Who Has the Cheapest Car Insurance Quotes for Teenage Males in Kansas?

Trying to buy affordable car insurance is tough enough, and determining which insurers offer the most affordable auto insurance rates for teenage males requires even more work. Rates could be much greater than the average price in Kansas attributed to the potential for more claims that goes along with selling insurance for teen boys, but reasonably-priced coverage should be achievable if you look hard enough.

Every car insurance company uses different criteria to determine premium rates, so let’s take a look at the overall cheapest auto insurance companies in Kansas. It’s a good idea to know that Kansas auto insurance rates are impacted by many factors that can increase the price you have to pay for coverage. That is why it is critical to compare lots of rates to get the most budget-friendly auto insurance quotes for teenage males. Car insurance prices can be determined by many risk factors and can change without notice, so the best option the last time you compared rates may now be one of the higher cost companies.

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USAA has some of the most affordable car insurance rates in Kansas at around $773 annually. The Hartford, Allied, Auto-Owners, and Travelers would also be considered some of the more affordable Kansas car insurance companies.

In this example, if you have coverage with Auto-Owners and switched to The Hartford, you could earn a yearly savings of in the vicinity of $280. Policyholders with Travelers may save as much as $291 a year, and Farm Bureau Mutual insureds might lower prices by $348 a year.

These prices are averages for all insureds and vehicles and and are not figured with a price increase for teenage males. So the company that has the lowest price for you may not even be included in the company chart above. That helps illustrate why you need to compare rates from multiple companies using your own personal information and vehicle type.

For teen boys, one of the more important components that establish the annual cost of car insurance is your zip code. Areas that are densely populated or have higher claim frequency like Garden City, Dodge City, and Wichita likely pay more, whereas areas that are not as densely populated have the benefit of the cheapest car insurance for teenage males in Kansas.

The table below shows the most expensive places in Kansas for teenage males to buy auto insurance in.

Table data uses estimated as the garaging address in Kansas can raise or lower coverage rates significantly.

Does it make sense to buy full coverage?

Finding the cheapest car insurance for teenage males in Kansas should be important to most vehicle owners, and one great way to pay lower rates for insurance is to buy only liability coverage. The chart below shows the comparison of insurance rates with and without full coverage. The costs are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are single, and no other discounts are factored in.

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If the expense is averaged for all age categories, comp and collision coverage costs an additional $1,355 per year more than just buying liability insurance. That raises the question if buying full coverage is worth the expense. There is no definitive guideline for dropping full coverage, but there is a general convention. If the annual cost of having full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

There are some conditions where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Ending up with the right car insurance provider can be challenging considering how many choices drivers have in Kansas. The company rank data shown next may help you analyze which coverage providers you want to consider when insurance shopping for teenage males.

These ratings are only comprised of companies that write coverage in many states, so smaller regional companies are not factored into the list. To compare rates from the insurers below and more, click here.

Top 10 Large Car Insurance Companies Overall in Kansas

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top 10 Large Car Insurance Companies in Kansas Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. The Hartford – 87%
7. Progressive – 87%
8. AAA Insurance – 87%
9. Farmers Insurance – 87%
10. Liberty Mutual – 87%

State Farm vs Allstate vs Progressive vs Geico

When comparing auto insurance for teen boys, four good companies to start with are State Farm, Allstate, Progressive, and Geico. The data below shows some of the different options shoppers can find with each company.