It’s hard to avoid all the captivating ads from car insurance companies like State Farm and Progressive that guarantee the cheapest price, so you just need to choose the one with the flashiest ad, right?
It’s just not that simple, as there are a whole bunch of unknown aspects such as if you have any tickets or accidents, the safety ratings of your vehicle, if you have a spouse, and whether or not you have had gaps between policies. The content below covers the best ways to find cheap car insurance and will hopefully give you a good beginning to your quest for cheaper car insurance in Kansas City.
Finding reliable, budget insurance is not always easy, and deciding which insurers offer the best car insurance rates for drivers with bad credit will take even more diligence.
Each insurance company has a different process to set policy rates, so to begin we’ll rank the car insurance companies that tend to have lower prices in Kansas City.
Best Car Insurance Prices with Bad Credit
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $668 |
| 2 | The Hartford | $785 |
| 3 | Electric | $849 |
| 4 | Allied | $875 |
| 5 | Auto-Owners | $1,007 |
| 6 | Travelers | $1,008 |
| 7 | MO Farm Bureau | $1,032 |
| 8 | Nationwide | $1,098 |
| 9 | Farmers | $1,151 |
| 10 | Cameron Mutual | $1,190 |
| 11 | State Farm | $1,271 |
| 12 | American Family | $1,291 |
| 13 | Safeco | $1,370 |
| 14 | Safe Auto | $1,377 |
| 15 | GEICO | $1,406 |
| 16 | Shelter | $1,419 |
| 17 | Progressive | $1,424 |
| 18 | MetLife | $1,473 |
| 19 | California Casualty | $1,483 |
| 20 | Auto Club | $1,488 |
| Find Your Rate Go | ||
USAA may have some of the lowest car insurance rates in Kansas City at around $668 each year. The Hartford, Electric, Allied, and Auto-Owners would also make the list of some of the best Kansas City, MO insurance companies.
In the rate table above, if you are insured with Auto-Owners and switched to The Hartford, you may see an annual premium reduction of around $222. Policyholders with Travelers might save as much as $223 a year, and MO Farm Bureau insureds might reduce rates by $247 a year.
Bear in mind that those premiums are averages for all ages of drivers and types of vehicles and do not take into consideration a specific location for drivers with bad credit. So the company that can offer you the best rate may not even be in the top 23 companies in the list above. That underscores the importance of why you need to quote rates from many companies using your own specific driver information and vehicle.
For people with poor credit, one of the largest criteria that are looked at to determine insurance cost is where you normally keep your vehicle in Kansas City. Areas with increased crime or more people tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents have the luxury of lower rates.
The table below sorts the most expensive cities in Missouri for drivers with bad credit in which to purchase auto insurance. Kansas City ranks #6 with an annual cost of $1,245 for the average insured, which is approximately $104 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Florissant | $1,459 |
| 2 | Saint Louis | $1,430 |
| 3 | University City | $1,352 |
| 4 | Raytown | $1,277 |
| 5 | Chesterfield | $1,257 |
| 6 | Kansas City | $1,245 |
| 7 | Wildwood | $1,238 |
| 8 | Kirkwood | $1,235 |
| 9 | Ballwin | $1,232 |
| 10 | Independence | $1,227 |
| 11 | Mehlville | $1,222 |
| 12 | Liberty | $1,201 |
| 13 | Lee’s Summit | $1,170 |
| 14 | Saint Joseph | $1,156 |
| 15 | Saint Charles | $1,140 |
| 16 | O’Fallon | $1,134 |
| 17 | Blue Springs | $1,126 |
| 18 | Joplin | $1,126 |
| 19 | Springfield | $1,108 |
| 20 | Wentzville | $1,101 |
| Compare Rates Now Go | ||
Table data uses estimated as the vehicle garaging location can alter premiums significantly.
Discount Kansas City car insurance
Insurance companies that offer quotes for drivers with bad credit may also give you price discounts that can lower rates by as much as 25% or more if you are eligible for them. A list of companies and a partial list of their discounts can be read below.
- Progressive offers discounts including online signing, online quote discount, homeowner, multi-vehicle, and good student.
- SAFECO includes discounts for homeowner, anti-lock brakes, teen safe driver, safe driver, anti-theft, and accident prevention training.
- American Family has discounts for air bags, Steer into Savings, bundled insurance, mySafetyValet, and TimeAway discount.
- MetLife offers discounts for good student, defensive driver, accident-free, multi-policy, claim-free, good driver
- GEICO offers premium reductions for daytime running lights, anti-theft, multi-policy, air bags, seat belt use, emergency military deployment, and five-year accident-free.
- The Hartford policyholders can earn discounts including air bag, vehicle fuel type, anti-theft, driver training, and good student.
The information below illustrates the difference between auto insurance rates with and without policy discounts. Data assumes a female driver, no driving violations, no at-fault accidents, Missouri state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, vehicle safety, multiple policy, passive restraint, safe-driver, and anti-theft discounts applied. With discounts applied, the average savings per year on car insurance for drivers with bad credit is 28% or $450.
Picking the right car insurance company can be difficult considering how many different companies there are to choose from in Missouri. The rank data in the lists below may help you analyze which auto insurance companies to look at when buying insurance for drivers with bad credit.
The rankings below only include the largest companies in America, so companies that only write business in Missouri or surrounding areas are not factored into these rankings. If you’d like to compare prices from these top insurers and more, just click here.
Top 10 Large Auto Insurance Companies in Kansas City Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Liberty Mutual
- State Farm
- Allstate
- Safeco Insurance
- Travelers
- 21st Century
- Nationwide
Top 10 Large Auto Insurance Companies in Kansas City Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Nationwide – A+
- Esurance – A+
- The Hartford – A+
- Progressive – A+
- Allstate – A+
- The General – A-
If you wish to get some guidance when shopping for cheaper insurance for people with poor credit, the agents below can answer your questions and help you decide which insurance coverage will be best for you.
To find a Kansas City insurance agent using an interactive map, click the button at the bottom.
Carleton Voorhies – State Farm Insurance Agent
7709 NW Prairie View Rd – Kansas City, MO 64151 – (816) 741-3558
American Family Insurance – Gary Woods Agency Inc.
7211 NW 83 St Ste 140 – Kansas City, MO 64152 – (816) 587-8033
Joe Janacaro – State Farm Insurance Agent
5555 NW Barry Rd – Kansas City, MO 64154 – (816) 587-8330
Allstate Insurance: Kelly Benbow
221 E Gregory Blvd b – Kansas City, MO 64114 – (816) 333-3611
View map of Kansas City, MO insurance agents
How to find low-cost auto insurance for drivers with bad credit
It is possible to find better rates, and here are some of the recommended money-saving suggestions that can help you quote low-cost coverage.
- Save money by obeying traffic laws and keeping a clean driving record
- Increase your physical damage deductibles
- Drop full coverage on older vehicles
- Claim-free policyholders usually earn a discount
- At-fault accidents will increase rates
- Compare rates regularly and switch companies to save money
That final tip is certainly vital, as we noted in this piece. Car insurance prices in Kansas City go up and down frequently, so drivers shouldn’t be resistant to buy from a new company if a cheaper price is available. Brand loyalty is great, but we do not recommend it if that stubbornness costs you major coinage every year. It only take a few minutes to compare prices to find cheaper insurance for drivers with bad credit.