How Much are Car Insurance Quotes for Drivers Under 25 in Kansas?

Cost and performance of the vehicle requiring insurance is one of the largest considerations when comparing the most affordable insurance for drivers under 25. Vehicles with average performance, a plethora of safety features, or a low likelihood of having liability claims will cost significantly less to insure than high performance models.

The lists below illustrates coverage prices for the cheaper vehicles to insure in Kansas.

Data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific Kansas garaging location which can lower or raise premiums greatly.

Price data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can raise or lower rates significantly.

Data variables include single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific location which can lower or raise auto insurance rates greatly.

For Kansas drivers, one of the considerations that car insurance companies take into consideration when calculating a rate quote is where your car is garaged in Kansas. Cities with larger populations or higher claim trends like Garden City, Dodge City, and Great Bend will most likely have higher rates, whereas areas with less crime or weather claims can boast about having cheaper rates.

The table below lists the most expensive places in Kansas for drivers under 25 to buy car insurance in.

Information shown are comparative as the specific geographic location can raise or lower rates significantly.

Does full coverage make sense?

Finding cheap auto insurance for drivers under 25 in Kansas is important to the majority of vehicle owners, and one of the easiest ways to find cheaper insurance is to not buy full coverage. The example below illustrates the comparison of car insurance costs with and without physical damage coverage. The premium estimates are based on no claims, a clean driving record, $250 deductibles, marital status is single, and no discounts are applied to the premium.

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If the expense is averaged for all age categories, full coverage costs $1,509 per year over and above liability coverage. That is a large expense which might make you wonder if buying full coverage is worth the expense. There is no definitive guideline of when to stop paying for physical damage coverage, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.