Best Cheap Car Insurance for First-time Drivers in Kansas

Establishing which companies offer the best car insurance rates for first-time drivers will involve a tad more effort in order to find coverage that fits your buget.

Every insurance company has a unique formula to set premium rates, so let’s take a look at the most affordable car insurance companies in Kansas.

Best Car Insurance Prices for Inexperienced Drivers

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USAA may offer some of the most affordable car insurance rates in Kansas at around $750 per year. The Hartford, Allied, Auto-Owners, and Travelers also make the cut as some of the most economical Kansas insurance companies.

As shown in the table above, if you are insured with The Hartford and switched to USAA, you might realize annual savings of in the neighborhood of $89. Kansas drivers with Allied could save as much as $304 a year, and Auto-Owners insureds might cut rates by $345 a year.

Remember that these estimates are averaged across all types of insureds and vehicles and and are not figured with a price increase for first-time drivers. So the auto insurance company that is most affordable for your situation may not even be included in the list of companies shown earlier. That helps illustrate why you need to get quotes using your own driver data and vehicle information.

We all like different vehicles, and the type of vehicle requiring insurance is a significant factor that determines the availablility of the best cheap car insurance for first-time drivers in Kansas. Vehicles with lower acceleration and performance, excellent safety ratings, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models. The tables below features coverage costs for a number of the most budget-friendly automobiles to buy coverage for.

Table data represents single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific garaging location which can raise or lower insurance rates substantially.

Prices based on single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific location information which can alter coverage prices significantly.

Data rating is based on single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in specific location information which can change insurance rates noticeably.

Impact of citations and accidents on Kansas insurance rates

In a perfect world, the ideal way to get the best cheap car insurance for first-time drivers in Kansas is to drive carefully and avoid at-fault accidents and violations. The information below shows how violations and at-fault accidents can influence car insurance rates for different categories of driver ages. The premiums assume a married male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

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In the example above, the average cost of car insurance per year with a clean driving record and no accidents is $1,408. Add in two speeding tickets and the average cost swells to $1,945, an increase of $537 each year. Now get one accident along with the two speeding tickets and the annual cost of car insurance for first-time drivers goes up to an average of $2,482. That’s an increase of $1,074, or $90 per month, just for being a less-than-perfect driver!

Company comparison: State Farm vs Allstate vs Geico vs Progressive

When shopping around for auto insurance for new drivers in Kansas, four companies you’ll want quotes from are State Farm, Allstate, Geico, and Progressive. When added together, they make up almost 50% of the entire U.S. car insurance market. The next table shows price and claims rank as well as some different options that policyholders can buy.