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Cheap Auto Insurance Quotes for Teenagers in Kansas

Enter your Kansas zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 13, 2019

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The words “affordable” and “insurance” probably shouldn’t be used in the same sentence, especially when shopping around for the best car insurance for teenagers. To help control this cost, let’s familiarize you with a few of the things that significantly impact car insurance rates, and figure out some ideas to lower the price of the next policy you buy.

When shopping for auto insurance for teen drivers, one of the many considerations that is used by auto insurance companies to determine a rate quote is where you keep your vehicle in Kansas. Regions with larger populations or more claims like Garden City, Dodge City, and Great Bend tend to pay higher rates, whereas areas that tend to be more rural benefit from lower prices.

The following table sorts the highest-priced areas in Kansas for teenagers to purchase auto insurance in.

Car insurance prices in Kansas
Rank City Premium Per Year
1 Garden City $1,433
2 Liberal $1,418
3 Dodge City $1,407
4 Kansas City $1,396
5 Great Bend $1,247
6 Wichita $1,243
7 Hays $1,194
8 Pittsburg $1,166
9 Leavenworth $1,160
10 Hutchinson $1,160
11 Derby $1,141
12 Topeka $1,136
13 Emporia $1,134
14 Prairie Village $1,117
15 Leawood $1,114
16 Olathe $1,113
17 Lawrence $1,112
18 Newton $1,108
19 Junction City $1,104
20 Manhattan $1,102
21 Shawnee $1,094
22 Salina $1,091
23 Overland Park $1,083
24 Lenexa $1,082
25 Gardner $1,046
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Annual rates are comparative as the specific Kansas residence address can change auto insurance rates substantially.

Establishing which insurers offer the best car insurance rates for teenagers calls for a tad more effort than just comparing a company or two. Each insurance company uses their own formula to set policy rates, so let’s rank the most budget-friendly car insurance companies in Kansas.

It’s a good idea to be aware that Kansas car insurance rates are influenced by many factors that may substantially change the policy premium. Simply having a birthday, having a claim, or getting a ticket for running a stop sign can trigger price changes that can cause some rates to be cheaper than competitors.

Enter your zip code below to view companies that have cheap auto insurance rates.

Cheapest Kansas auto insurance companies
Rank Company Cost Per Year
1 USAA $766
2 The Hartford $815
3 Allied $1,065
4 Auto-Owners $1,095
5 Travelers $1,095
6 Farmers $1,129
7 Farm Bureau Mutual $1,175
8 Nationwide $1,219
9 California Casualty $1,243
10 State Farm $1,271
11 American Family $1,348
12 Progressive $1,368
13 Safeco $1,470
14 Liberty Mutual $1,471
15 National Farmers Union $1,518
16 Auto Club $1,524
17 GEICO $1,577
18 Electric $1,611
19 Shelter $1,718
20 Safe Auto $1,775
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USAA may have some of the lowest car insurance rates in Kansas at around $766 annually. The Hartford, Allied, Auto-Owners, and Travelers also make the cut as some of the cheapest Kansas car insurance companies.

In this example, if you are currently insured with Allied and switched to USAA, you may realize savings of in the neighborhood of $299. Customers with Auto-Owners may save as much as $329 a year, and Travelers policyholders might realize rate reductions of up to $329 a year.

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Remember that these rates are averaged for all insureds and vehicles and do not take into consideration a rate increase for teenagers. So the auto insurance company that fits your situation best may not even be shown in the above list. That illustrates why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

Enter your zip code below to view companies that have cheap auto insurance rates.

Kansas car insurance companies ranked

Picking the highest-rated insurance provider can be rather challenging considering how many different insurance companies sell coverage in Kansas. The ranking information shown below can help you decide which insurers you want to consider purchasing a policy from.

The ratings below include companies who write in the majority of U.S. states, so companies that may only write in Kansas are not included in these rankings. If you would like to check rates from these and other companies in Kansas, simply click here.

Top 15 Car Insurance Companies in Kansas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
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Data Source: Insure.com Best Car Insurance Companies

Which major car insurance company is best?

If you are shopping around for auto insurance, the companies that insure more vehicles than anyone else are Progressive, State Farm, Geico, and Allstate. If you add them together, they insure about 50% of all policies written. The following table compares price and claims rank as well as some different options you can buy with each company.

Car Insurance Companies Compared
Progressive State Farm Geico Allstate
Price Ranking 3rd 2nd 1st 4th
Policy Discounts 4th 3rd 2nd 1st
Customer Satisfaction 3rd 4th 1st 2nd
Claims Handling 4th 2nd 3rd 1st
Percent of U.S. market 8.8% 18.3% 11.4% 10%
Recommend by customers 88% 88% 87% 86%
Rating from A.M. Best A+ A++ A++ A+
New car replacement No No No Yes
Mechanical breakdown insurance Yes No Yes No
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Emergency roadside assistance Yes Yes Yes Yes
Accident forgiveness Yes No Yes Yes
Usage-based insurance Yes Yes No Yes
Where to buy Buy online or from an independent agent Can only buy from State Farm agents Online or through a Geico agent Allstate-only agents
Number of agents 30,000+ 18,000+ 150+ 11,000+
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How to find cheaper car insurance for teenagers

Below you’ll find some penny-pinching solutions that can help Kansas drivers locate more affordable coverage.

  • Drop full coverage on older vehicles
  • Increase deductibles to save money
  • Pay cheaper rates with good credit scores
  • Being accident-free can lower rates significantly
  • Get cheaper liability coverage by choosing a safer vehicle
  • Do not get traffic violations
  • Ensure you have the best deal by shopping around regularly

The last item on the list is remarkably critical, as was pointed out in this piece. Auto insurance rates fluctuate constantly, so don’t be tentative to switch companies if a more affordable price is available. Staying with the same car insurance company is fine, but it’s not a great idea if that faithfulness ends up costing you money that could be going to better use. It only take a few minutes to compare rates to find cheaper car insurance for teenagers.

Who has the cheapest insurance quotes for teen drivers?

Thanks to technology, there are a lot of ways to find cheaper car insurance in Kansas, but the most popular are through a non-exclusive or independent agent, a captive (or exclusive) agency such as State Farm or Allstate, or direct from companies such as Geico or Progressive.

All three ways can provide car insurance quotes, but it’s important to understand the differences in how they price policies.

Independent agents work with multiple companies and can get rate quotes from every one. They are not employed by only one company and can provide multiple price quotes, which can give you improved chances of finding a lower rate. If your premiums go up, it’s simple to move the policy which prevents you from having to switch agents.

A captive or exclusive agent is only able to quote rates from just one company, two examples being a State Farm or Allstate agent. Exclusive agents cannot provide a range of price quotes, so always compare other rates.

When you buy car insurance direct, you do not use local agents and instead buy direct either online or via phone. This option may be preferred by families who do not need high amounts of coverage and have knowledge of what coverage limits and deductibles they need.

So which one of the three ways works best for finding cheap car insurance for teenagers in Kansas? The majority of people assume that shopping direct results in the cheapest price since it doesn’t require paying agent commissions, but unfortunately, it’s not that cut and dried. We could also assume that buying from an independent agent can save the most money since they can quote with many companies, but that’s not always true, either. In many cases, the exclusive agents have very competitive rates that are the lowest in Kansas.

Since car insurance prices vary so much, the only true way to not overpay for car insurance is to get quotes and compare the rates. We highly recommend getting rate quotes from independent agents, exclusive agents, and direct companies to give yourself enough choices. For a list of car insurance companies with low rates, click here to view.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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