The words “low-cost” and “auto insurance” really don’t belong together, in particular when you are searching for the cheapest coverage for first-time drivers. Let’s take a look at a few of the factors that can significantly affect auto insurance rates, and see how we can help you slash the price of the next policy you buy.
Figuring out which insurers offer the best insurance rates for first-time drivers requires a bit more effort in order to find the best price. Every insurance provider uses a different method for filing rates in each state, so let’s take a look at the insurance companies with the overall best prices in Kansas City, MO.
Best Car Insurance Prices for Inexperienced Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $648 |
| 2 | The Hartford | $809 |
| 3 | Electric | $867 |
| 4 | Allied | $867 |
| 5 | MO Farm Bureau | $1,021 |
| 6 | Auto-Owners | $1,027 |
| 7 | Travelers | $1,038 |
| 8 | Nationwide | $1,109 |
| 9 | Farmers | $1,139 |
| 10 | Cameron Mutual | $1,190 |
| 11 | State Farm | $1,234 |
| 12 | American Family | $1,253 |
| 13 | Safeco | $1,384 |
| 14 | Shelter | $1,404 |
| 15 | Safe Auto | $1,419 |
| 16 | Progressive | $1,424 |
| 17 | GEICO | $1,448 |
| 18 | MetLife | $1,473 |
| 19 | California Casualty | $1,483 |
| 20 | Auto Club | $1,488 |
| Quote Your Rates Go | ||
USAA offers some of the lowest car insurance rates in Kansas City at around $648 a year. This is $614 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and MO Farm Bureau also are some of the more affordable Kansas City, MO car insurance companies.
As the example above demonstrates, if you have coverage with Electric and switched to USAA, you might realize annual savings of in the vicinity of $219. Policyholders with Allied might save as much as $219 a year, and MO Farm Bureau policyholders might cut rates by $373 a year.
To get a fast rate comparison, click here to start a quote or visit any of the low-priced companies below.
Remember that these prices are averaged for all types of drivers and the different vehicles they drive and are not factoring in an exact zip code location for first-time drivers. So the company that has the cheapest rates for you may not even be in the top 23 companies shown above. That illustrates why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
The car, truck, or SUV on the policy is a large consideration when quoting the lowest-priced insurance for first-time drivers. Vehicles with high performance features, poor passenger safety features, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models. The information below showcases auto insurance costs for a handful of the cheapest automobiles to insure.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $4,659 |
| Honda Accord EX-L 4-Dr Sedan | $4,940 |
| Ford Escape Limited 4WD | $4,949 |
| Hyundai Elantra SE Touring Station Wagon | $4,940 |
| Toyota Prius | $4,982 |
| Ford F-150 XL Crew Cab 4WD | $5,233 |
| Chevrolet Impala LS | $5,432 |
| Chevrolet Silverado LS Extended Cab 4WD | $5,473 |
| Chevrolet Malibu LS | $5,478 |
| Toyota RAV4 Sport 4WD | $5,473 |
| GMC Sierra SLE Regular Cab 2WD | $5,479 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $5,515 |
| Dodge Grand Caravan Crew | $5,524 |
| Ford Explorer Limited 2WD | $5,515 |
| Ford Focus SEL 4-Dr Sedan | $5,713 |
| Honda Odyssey EX-L W/Rear Entertainment | $5,754 |
| Toyota Corolla XLE | $5,760 |
| Toyota Camry SE | $5,754 |
| Ford Edge Sport 2WD | $5,759 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $5,796 |
| Start a Quote Go | |
Data variables include single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in zip code location which can raise or lower premium rates substantially.
Based upon these rates, we can tell that makes and models like the Honda CR-V, Honda Accord, Ford Escape, Hyundai Elantra, and Toyota Prius are the most affordable vehicles to insure for new drivers. The price for car insurance will be higher anyway just due to the fact that there is a higher risk for first-time drivers, but overall those specific models will probably have the best insurance prices compared to all other vehicles.
Get discount Kansas City insurance
Auto insurance companies that provide coverage for first-time drivers may also provide policy discounts that could lower prices by as much as 35% if you meet certain criteria. A list of insurance companies and some of the premium reductions they offer are outlined below.
- GEICO policyholders can earn discounts including multi-vehicle, defensive driver, daytime running lights, good student, federal employee, and anti-lock brakes.
- SAFECO offers premium reductions for drive less, anti-theft, accident prevention training, homeowner, safe driver, teen safety rewards, and bundle discounts.
- State Farm may include discounts for student away at school, anti-theft, passive restraint, good student, Steer Clear safe driver discount, and driver’s education.
- MetLife discounts include defensive driver, claim-free, good driver, multi-policy, and good student.
- 21st Century offers discounts including early bird, good student, teen driver, 55 and older, and air bags.
- Progressive offers discounts for multi-vehicle, continuous coverage, online signing, online quote discount, good student, and homeowner.
The illustration below shows the difference between insurance costs with and without discounts applied. Data assumes a female driver, no claims, a clean driving record, Missouri state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, good student, passive restraint, anti-theft, paperless filing, and paid-in-full discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on insurance for first-time drivers is 28% or $519.
How accidents and tickets impact rates
The recommended way to enjoy affordable insurance premiums in Missouri for new drivers is to be a careful driver and avoid accidents and violations. The illustration below shows how violations and at-fault fender-benders can increase annual premium costs for each different age group. The information is based on a single female driver, full coverage, $100 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of a car insurance policy in Missouri per year with no violations or accidents is $1,453. Add in one speeding ticket and the average cost jumps to $1,645, an increase of $192 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of insurance for first-time drivers goes up to an average of $2,187. That’s an increase of $734, or $61 per month, just for a couple of infractions!
Last year’s bargain might be this year’s rip off
Missouri insurance rates are influenced by many factors that will increase or decrease the price of coverage. Simply getting older, increasing liability limits, or getting a couple of tickets can trigger price changes resulting in some companies being more affordable than competitors.
In addition, insurers change the rates they charge in Missouri as often as every three months to adjust for unexpected claims or profits. A period of increased losses can result in increased rates, while a better claims history may produce cheaper Kansas City car insurance rates.
For example, the chart below shows which companies have the cheapest car insurance in Kansas City, MO for a 30-year-old female driver with no accidents, a clean driving record, and a good credit rating. If we estimate rates based on her current risk factors, USAA has the cheapest car insurance rates in Kansas City at $785 annually. This is $477 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners also make the list of the most affordable Kansas City, MO auto insurance companies.
Now we will give the driver in the first chart some claims, bad credit, and a blemish on her driving record. Since every insurance provider has their own unique process to determining premium rates, getting updated rate quotes could now result in a significantly different list of affordable companies as shown below.
MO Farm Bureau now has the cheapest car insurance in Kansas City with Nationwide, Farmers, The Hartford, and Cameron Mutual completing the list. This example demonstrates why it is critical to compare as many rates as possible when trying to get affordable car insurance quotes for first-time drivers. Prices are determined by many factors and change frequently, so the most affordable company the last time you shopped your coverage around may now be one of the higher cost companies.