The type of vehicle you are insuring is one of the main factors when consumers are trying to find the best coverage for teenage females. Vehicles with lots of speed or power, poor safety ratings, or a high likelihood of having liability claims will cost much more to insure than more economical and safe models.
The information below showcases car insurance premiums for a selection of the cheaper automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $5,198 |
| Honda Accord EX 4-Dr Sedan | $5,205 |
| Honda CR-V EX 4WD | $5,245 |
| Volkswagen Jetta S 2.5 Station Wagon | $5,561 |
| Hyundai Elantra SE Touring Station Wagon | $5,571 |
| Toyota Prius | $5,608 |
| Ford Explorer XLT AWD | $5,850 |
| Dodge Grand Caravan SE | $5,860 |
| Chevrolet Impala LS | $6,119 |
| Ford Edge SE AWD | $6,128 |
| Toyota Tacoma 2WD | $6,119 |
| Toyota RAV4 Limited 4WD | $6,166 |
| GMC Sierra SLE Regular Cab 2WD | $6,175 |
| Chevrolet Equinox LS 2WD | $6,166 |
| Ford Focus SES 4-Dr Sedan | $6,433 |
| Toyota Camry SE | $6,480 |
| Toyota Corolla XLE | $6,485 |
| Honda Odyssey EX-L | $6,480 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $6,527 |
| Jeep Grand Cherokee SRT-8 4WD | $6,532 |
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Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific location information which can change coverage prices greatly.
Looking at the data, you can figure that vehicles like the Ford Escape, Honda Accord, and Honda CR-V are a few of the more affordable vehicles to insure for teen girls. The cost of auto insurance will tend to be more expensive anyway because there is more liability risk for teenage females, but overall those models will most likely have the cheapest rates available.
Shopping around for reasonably-priced car insurance is easier said than done, and determining which companies have the lowest-priced insurance rates for teenage females requires even more rate comparisons. Every insurance provider uses their own calculation for setting prices, so we’ll take a look at the insurance companies that tend to be cheaper in Kansas City.
It’s important to know that Kansas City insurance rates are calculated based on many things which can substantially change the price you have to pay. Simply improving your credit, marrying your spouse, or getting a few speeding tickets can cause premium changes that may make certain companies cheaper than before.
Cheapest Insurance Rates for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $648 |
| 2 | The Hartford | $785 |
| 3 | Electric | $841 |
| 4 | Allied | $841 |
| 5 | Auto-Owners | $1,037 |
| 6 | Travelers | $1,038 |
| 7 | MO Farm Bureau | $1,052 |
| 8 | Nationwide | $1,109 |
| 9 | Farmers | $1,117 |
| 10 | Cameron Mutual | $1,202 |
| 11 | State Farm | $1,221 |
| 12 | American Family | $1,279 |
| 13 | Safe Auto | $1,363 |
| 14 | Progressive | $1,382 |
| 15 | Safeco | $1,384 |
| 16 | GEICO | $1,392 |
| 17 | MetLife | $1,415 |
| 18 | California Casualty | $1,439 |
| 19 | Shelter | $1,447 |
| 20 | Encompass | $1,516 |
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USAA generally has some of the most affordable car insurance rates in Kansas City at around $648 per year. The Hartford, Electric, Allied, and Auto-Owners also make the cut as some of the lowest-priced Kansas City, MO insurance companies.
As illustrated above, if you are insured with Allied and switched to The Hartford, you could earn savings of in the neighborhood of $56. Missouri drivers with Auto-Owners may save as much as $252 a year, and Travelers insureds might lower prices by up to $253 a year.
Understand that those prices are averaged across all types of insureds and vehicles and do not take into consideration a vehicle location for teenage females. So the insurer that can offer you the best price may not even be in the top 23 companies in the list above. That point stresses why you need to get car insurance quotes using your own specific driver information and vehicle.
Cost of full coverage in Kansas City
Finding the cheapest insurance is probably important to the majority of vehicle owners, and an easy way to save on the cost of insurance for teenage females is to only buy liability coverage. The illustration below illustrates the comparison of auto insurance costs with and without full coverage. The premium estimates are based on no accidents or driving violations, $1,000 deductibles, single status, and no policy discounts are applied.
As an average, comp and collision coverage costs an extra $1,217 per year more than carrying just liability coverage. That is a large expense which might make you wonder if full coverage is worth the money. There is no definitive formula of when to eliminate physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
There are some cases where removing full coverage is not financially feasible. If you haven’t paid off your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage.
Buying coverage from the best car insurance provider can be difficult considering how many different companies sell coverage in Kansas City. The rank data shown below can help you select which car insurance providers to look at when trying to find the cheapest insurance for teenage females. These ratings are for companies that write coverage in many states, so companies that may only write in Missouri are not factored into these rankings.
Top 10 Large Auto Insurers in Kansas City Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- Safeco Insurance
- GEICO
- Esurance
- The General
What aren’t you shopping around?
Kansas City, MO insurance rates are based on many factors which can substantially decrease or increase the price of your policy. Simply having another birthday, buying another vehicle, or getting a few speeding tickets can trigger price changes resulting in some companies being more affordable than before. Not only that, but companies change prices every year or even multiple times each year in order to protect their financial rating. Higher than normal claim frequency or severity can cause more expensive premiums, while better underwriting may cause lower-cost Kansas City car insurance rates.
The graph below shows rates for the cheapest car insurance in Kansas City, MO for a 40-year-old female driver with no prior claims, no tickets, and a decent credit rating. Based on her current rating profile, USAA may offer the best car insurance rates in Kansas City at $841 per year. This is $421 less than the average price paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers are also included in the top five cheapest Kansas City, MO auto insurance companies.
In this next rate comparison, we will give the driver from the above example a chargeable claim, poor credit, and a speeding ticket. Since each auto insurer uses their own calculation for determining rates, comparing insurance quotes may now show a different ranking of the cheapest Kansas City car insurance companies as shown below.
MO Farm Bureau now has the best auto insurance rate in Kansas City with Nationwide, Farmers, The Hartford, and Cameron Mutual also being competitive. This example proves why consumers need to shop around when trying to get the lowest auto insurance rates for teenage females. Auto insurance prices are impacted by many risk factors and change substantially, so the lowest-price company the last time you shopped around may now be costing you a lot of money.
How to find more affordable car insurance for teenage females
Lowering your rates is not difficult, and here are a few money-saving solutions that can help drivers quote low-cost coverage.
- Get cheaper liability coverage by choosing a safer vehicle
- Drop full coverage on older vehicles
- Improve your credit score
- Accident-free drivers may qualify for discounts
- Home or renters coverage can save on auto insurance
- Keep rates low by shopping around frequently
The last tip in the list is remarkably important, as we pointed out in the prior information. Prices charged by car insurance companies in Kansas City can change considerably in a year, so don’t be afraid to change to a new company if you find a better deal.
Having brand loyalty is commendable, but it’s not recommended if that devotion results in you overpaying lots of hard earned cash every month. Take a few minutes and compare prices to find cheaper auto insurance for teenage females.
If you have coverage questions and would like to have a professional recommendation when trying to find lower insurance rates for teen girls, the agents below are willing to help you decide which coverages you need. To locate a Kansas City car insurance agency in your neighborhood, click the button at the bottom or click here to compare price quotes now.
- American Family Insurance – Robert Redmond Agency Inc.
6315 Brookside Plaza #104 – Kansas City, MO 64113 – (816) 361-8600 - Heartland Insurance Agency, Inc.
7301 Mission Rd #242, Prairie Village, KS 66208 – Prairie Village, MO 66208 – (800) 701-5909 - American Family Insurance – Mike Faeth
110 NW Barry Rd Ste 203 – Kansas City, MO 64155 – (816) 436-6603