Find Cheaper Kansas Car Insurance Rates for Teenagers
Enter your Kansas Auto Insurance zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
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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.
|Rank||City||Premium Per Year|
|Find the Best Rates Go|
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.
|Rank||Company||Cost Per Year|
|7||Farm Bureau Mutual||$1,175|
|15||National Farmers Union||$1,518|
|Find Your Rate Go|
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.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
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.
|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|
|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+|
|Compare Rates Go|
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.
Frequently Asked Questions
Why are car insurance rates higher for teenagers in Kansas?
Car insurance rates for teenagers tend to be higher due to the higher risk associated with their lack of driving experience. Teenagers are statistically more likely to be involved in accidents, leading insurance companies to charge higher premiums to compensate for the increased risk.
How can I find cheaper car insurance rates for my teenager in Kansas?
There are several strategies you can employ to find cheaper car insurance rates for teenagers in Kansas:
- Shop around: Compare quotes from multiple insurance companies to find the best rates available.
- Good student discounts: Many insurance providers offer discounts for teenagers who maintain good grades in school.
- Driver’s education: Enroll your teenager in a driver’s education course, as some insurance companies offer discounts for completion.
- Add them to your policy: Adding your teenager to your existing car insurance policy may be more cost-effective than purchasing a separate policy for them.
- Consider the vehicle: The type of car your teenager drives can affect insurance rates. Opting for a safe and practical vehicle with good safety features may result in lower premiums.
- Increase deductibles: If you’re comfortable with assuming more financial risk, raising the deductibles on your policy can lower the premium costs.
Are there any specific insurance companies that offer cheaper rates for teenage drivers in Kansas?
Insurance rates can vary between companies, so it’s essential to shop around and compare quotes. However, some insurance companies that are known for offering competitive rates for teenage drivers in Kansas include State Farm, Geico, Progressive, and Allstate. Remember to consider factors beyond just the price, such as customer service and coverage options, when selecting an insurance company.
Is it necessary for my teenager to have their own car insurance policy?
It is not always necessary for teenagers to have their own car insurance policy. In many cases, parents can add their teenager to their existing policy, which is often more cost-effective. However, it’s crucial to consult with your insurance provider to understand their specific requirements and recommendations.
Can I take advantage of any discounts to reduce my teenager’s insurance rates?
Yes, there are various discounts you can explore to reduce your teenager’s insurance rates. Some common discounts include good student discounts, driver’s education discounts, discounts for safety features in the vehicle, and multi-policy discounts if you have multiple insurance policies with the same company. Contact your insurance provider to inquire about the specific discounts they offer for teenage drivers in Kansas.
How long do higher insurance rates for teenagers typically last?
While insurance rates for teenagers are generally higher, they tend to decrease as the teenager gains more driving experience and maintains a clean driving record. The specific duration for higher rates can vary depending on the insurance company and individual circumstances. Typically, rates start to decline around the age of 25 when the driver is considered more experienced.
Are there any specific driving restrictions or requirements for teenage drivers in Kansas?
Yes, Kansas has specific driving restrictions and requirements for teenage drivers. These may include limitations on nighttime driving, passenger restrictions, and mandatory completion of a driver’s education course. It’s important to familiarize yourself with these requirements and ensure compliance to avoid any potential penalties or insurance issues.
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