Who Has Cheap Car Insurance Quotes for College Graduates in Kansas?

Finding decent, affordable insurance is challenging, and figuring out which companies have the cheapest auto insurance rates for college graduates takes a bit more work. Each auto insurance company uses different criteria for filing rates in each state, so to begin we’ll rank the auto insurance companies that tend to be cheaper in Kansas.

It’s important that readers know that Kansas auto insurance rates are impacted by many things that may substantially change the price you pay. That is why consumers need to take the time to take the time to shop around to get the most budget-friendly car insurance rates for college graduates. Rates are impacted by many things and can increase or decrease at any time, so the most economical company when you bought your policy may now be one of the higher cost companies.

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USAA generally has some of the best car insurance rates in Kansas at around $750 each year. The Hartford, Allied, Auto-Owners, and Travelers also are some of the more affordable Kansas insurance companies.

As shown above, if you are a policyholder with Auto-Owners and switched to USAA, you could see a yearly price reduction of approxmiately $345. Customers with Travelers might save as much as $345 a year, and Farmers customers might reduce rates by $379 a year.

Be aware that those estimates are averaged across all types of insureds and vehicles and do not take into consideration a rate decrease for college graduates. So the auto insurance company that can offer you the best rate may not even be in the list of companies above. That’s why you need to quote rates from many companies using your own driver data and vehicle information.

The vehicle needing coverage is a large factor that determines the availablility of cheap auto insurance for college graduates in Kansas. Vehicles with more horsepower, poor crash test ratings, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models.

The data below features car insurance prices for some of the most economical vehicles to insure in Kansas.

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in specific location information which can influence premium rates significantly.

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate quotes do not factor in specific location which can influence premium rates considerably.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in vehicle location which can influence coverage rates substantially.

For college grads, one of the more important things that is looked at to determine rate quotes is where you choose to live. Areas with more people or higher crime rates like Dodge City, Liberal, and Great Bend tend to pay more, whereas areas that tend to be more rural have the luxury of lower rates.

The illustration below sorts the most costly cities in Kansas for college graduates to buy car insurance in.

Rate quotes are approximated as specific Kansas garaging address can affect coverage prices substantially.

Difference between liability only and full coverage rates

Finding cheap auto insurance for college graduates in Kansas is important to the majority of drivers, and one of the best ways to buy cheap insurance is to not insure for full coverage. The diagram below shows the difference between insurance prices when comparing full coverage to liability only. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, marital status is single, and no policy discounts are applied.

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If averaged for all ages, comp and collision coverage costs $1,833 per year more than buying just liability insurance. That may make you wonder if physical damage coverage is worth the money. There is no definitive guideline of when to stop paying for physical damage coverage, but there is a guideline you can use. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let’s say your vehicle’s book value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after the policy deductible has been paid. If you are paying in excess of $700 annually to have full coverage, then it might be time to consider dropping full coverage.

Insuring your vehicle with the highest-rated insurance provider can be rather challenging considering how many companies sell coverage in Kansas. The company information in the next section could help you pick which auto insurance companies you want to consider when trying find the best insurance for college graduates.

The ratings below are for companies with a national presence, so companies with more of a regional focus will not be included in these rankings. To compare rates from the most competitive companies in Kansas, just click here.