Best Cheap Auto Insurance Quotes for a 20 Year Old Female in Kansas

Best Cheap Auto Insurance Quotes for a 20 Year Old Female in Kansas

The words “low-priced” and “insurance” really should not be used together, especially when shopping around for the best car insurance for 20 year old women. To help control this cost, let’s open your eyes to some situations that significantly impact auto insurance rates, and figure out some ways to cut the cost of your next policy.

Establishing which insurers offer the cheapest auto insurance rates for 20 year old women involves more work in order to find the best price. Each auto insurer has their own unique process for setting prices, so we need to take a look at the most budget-friendly auto insurance companies in Kansas.

It’s a good idea to be aware that Kansas auto insurance rates are impacted by many things which can substantially decrease or increase the policy premium. Getting older, buying higher coverage limits, or getting a reckless driving citation can trigger price changes that can make some companies cheaper than competitors.

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What’s the cheapest car insurance in Kansas?
Rank Company Cost Per Year
1 USAA $750
2 The Hartford $815
3 Allied $1,054
4 Auto-Owners $1,063
5 Travelers $1,095
6 Farmers $1,140
7 Farm Bureau Mutual $1,175
8 State Farm $1,245
9 Nationwide $1,269
10 California Casualty $1,293
11 American Family $1,308
12 Progressive $1,382
13 National Farmers Union $1,473
14 Auto Club $1,479
15 Safeco $1,485
16 Liberty Mutual $1,516
17 GEICO $1,561
18 Electric $1,677
19 Shelter $1,735
20 Safe Auto $1,811
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USAA offers some of the lowest car insurance rates in Kansas at around $750 each year. The Hartford, Allied, Auto-Owners, and Travelers would also be considered some of the best Kansas car insurance companies.

In the rate table above, if you currently have a policy with Travelers and switched to The Hartford, you may see annual savings of about $280. Drivers with Farmers may save as much as $325 a year, and Farm Bureau Mutual policyholders might see rate reductions of $360 a year.

These policy rates are averages for all types of insureds and vehicles and are not factoring in a price surcharge for 20 year old women. So the auto insurance company that fits you best may not even be shown in the above list. That helps illustrate why you need to get rate quotes from many companies using your own specific driver information and vehicle.

The model of vehicle on the policy is probably the most important factor in finding the best cheap car insurance for 20 year old women in Kansas. Vehicles with limited top-end speed, good crash test ratings, or a track record of few liability claims will cost quite a bit less to insure than higher performance models.

The information below outlines coverage costs for a number of the most economical vehicles to buy insurance for.

Auto Insurance Rates for Popular Cars in Kansas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $1,738 $869 $145
Ford Focus SE 2-Dr Coupe $1,964 $982 $164
Ford Fusion Hybrid 4-Dr Sedan $2,206 $1,103 $184
Hyundai Elantra Blue 4-Dr Sedan $1,810 $905 $151
Hyundai Sonata SE 4-Dr Sedan $1,964 $982 $164
Kia Optima EX $1,986 $993 $166
Nissan Altima Hybrid 4-Dr Sedan $1,854 $927 $155
Volkswagen Jetta 2.0T 4-Dr Sedan $1,854 $927 $155
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Price data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in vehicle location which can decrease or increase premium rates considerably.

Auto Insurance Rates for Popular SUVs and Crossovers in Kansas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX Technology Package AWD $1,694 $847 $141
BMW X5 M AWD $2,222 $1,111 $185
Cadillac Escalade Luxury Edition 2WD $2,248 $1,124 $187
Chevrolet Traverse LS 2WD $1,484 $742 $124
Ford Escape XLS 4WD $1,462 $731 $122
Ford Expedition King Ranch 2WD $1,714 $857 $143
Ford Explorer Limited AWD $1,760 $880 $147
GMC Acadia SLT 2WD $1,738 $869 $145
Honda CR-V EX-L 4WD $1,484 $742 $124
Honda Pilot EX 4WD $1,666 $833 $139
Jeep Grand Cherokee SRT-8 4WD $1,854 $927 $155
Jeep Patriot Sport 4WD $1,622 $811 $135
Kia Sportage LX 2WD 4-Dr $1,622 $811 $135
Toyota Highlander SE 4WD $1,874 $937 $156
Toyota RAV4 4WD $1,738 $869 $145
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Cost estimates assume single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific garaging location which can impact premium rates considerably.

Auto Insurance Rates for Popular Pickup Trucks in Kansas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LT Crew Cab Diesel 2WD $2,100 $1,050 $175
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,874 $937 $156
Chevrolet Silverado Crew Cab Hybrid 2WD $1,948 $974 $162
Dodge Ram Crew Cab TRX 2WD $1,892 $946 $158
Ford F-150 Lariat Crew Cab Platinum 2WD $1,854 $927 $155
Ford F-350 Super Cab Cabela Package 2WD $1,874 $937 $156
GMC Canyon SLE Ext Cab Z71 4WD $1,738 $869 $145
GMC Sierra 2500HD SLT Crew Cab 4WD $1,948 $974 $162
GMC Sierra SLT Extended Cab 2WD $1,854 $927 $155
Toyota Tundra SR/5 Crew Max 4WD $2,006 $1,003 $167
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Data based on single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in vehicle garaging location which can impact auto insurance rates considerably.

Should you buy full coverage?

Finding the best cheap car insurance for 20 year old women in Kansas should be important to the majority of vehicle owners, and an effective way to pay lower rates for insurance is to only pay for liability coverage. The information below shows the difference between car insurance costs with and without full coverage. The data is based on no claims, a clean driving record, $100 deductibles, marital status is single, and no additional discounts are factored in.

Averaged out for all age groups, physical damage coverage costs $1,646 per year more than just buying liability only. That raises the question if full coverage is worth the money. There is no set guideline to drop full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

There are some circumstances where only buying liability is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Choosing the best auto insurance provider can be challenging considering how many companies there are to choose from in Kansas. The rank data displayed below may help you select which companies to look at when comparing rate quotes. The ratings below only include the largest companies in America, so smaller regional companies are not included in this list.

Top 15 Auto Insurance Companies for a 20 Year Old Female
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
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Data Source: Insure.com Best Car Insurance Companies

How to find more affordable auto insurance for 20 year old women

The list below summarizes many penny-pinching ideas that can help Kansas drivers locate low-cost coverage.

  • Increase the comprehensive and collision deductibles on your policy
  • Avoid preventable accidents
  • Avoid getting citations and tickets
  • Pay cheaper rates with good credit scores
  • Get cheaper liability coverage by choosing a safer vehicle
  • Compare rate quotes frequently

That last piece of advice is highly important, as was emphasized in this write-up. Prices charged by auto insurers can be adjusted at any time, so drivers shouldn’t be reluctant to buy from a different company if you can save money. Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that dedication is costing lots of hard earned cash every month. Take a couple minutes and shop around to find cheaper insurance for 20 year old women.