For poor drivers, one of the more important components that determine the amount you pay each year for auto insurance is your address. Regions with more people or even just more weather-related claims tend to have more expensive car insurance rates, whereas less populated areas have the luxury of lower rates.
The table below ranks the most expensive cities in Missouri for low income drivers in which to buy car insurance. Kansas City makes the list at #4 costing $1,283 for the average insured, which is approximately $107 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Saint Louis | $1,474 |
| 2 | Florissant | $1,401 |
| 3 | University City | $1,394 |
| 4 | Kansas City | $1,283 |
| 5 | Raytown | $1,277 |
| 6 | Mehlville | $1,272 |
| 7 | Chesterfield | $1,257 |
| 8 | Independence | $1,251 |
| 9 | Wildwood | $1,238 |
| 10 | Ballwin | $1,208 |
| 11 | Liberty | $1,201 |
| 12 | Kirkwood | $1,199 |
| 13 | Joplin | $1,172 |
| 14 | Saint Charles | $1,140 |
| 15 | Lee’s Summit | $1,135 |
| 16 | Saint Peters | $1,128 |
| 17 | Blue Springs | $1,126 |
| 18 | Saint Joseph | $1,122 |
| 19 | Wentzville | $1,112 |
| 20 | O’Fallon | $1,090 |
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Premium costs are approximated as the specific geographic location can alter rates greatly.
The vehicle model requiring insurance is probably the largest consideration that determines whether or not you can buy economical auto insurance for low income drivers. Vehicles with economical engines, good crash test ratings, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models.
The list below ranks coverage rates for a selection of the more affordable automobiles to insure in Missouri.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,310 |
| Ford F-150 XLT Super Cab 2WD | $1,439 |
| Ford Escape XLS 4WD | $1,467 |
| Toyota Camry LE | $1,516 |
| Ford Fusion S 4-Dr Sedan | $1,525 |
| Toyota RAV4 Limited 2WD | $1,516 |
| Nissan Rogue SL 2WD | $1,624 |
| Toyota Prius | $1,633 |
| Chevrolet Silverado LS Extended Cab 2WD | $1,624 |
| Dodge Grand Caravan SE | $1,647 |
| Dodge Ram Quad Cab SLT 4WD | $1,652 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,724 |
| Toyota Camry Hybrid | $1,732 |
| Chevrolet Impala LT | $1,740 |
| GMC Sierra SLE Crew Cab 2WD | $1,749 |
| Ford Explorer Limited AWD | $1,773 |
| Ford Focus SEL 4-Dr Sedan | $1,799 |
| Ford Edge SEL AWD | $1,822 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,829 |
| Hyundai Elantra SE 4-Dr Sedan | $1,837 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in specific garaging location which can decrease or increase insurance rates noticeably.
Looking at the data, we can presume that makes and models like the Honda CR-V, Ford F-150, Ford Escape, Toyota Camry, and Ford Fusion are most likely to be the more affordable vehicles to insure for poor drivers.
Best auto insurance in Kansas City
Picking the best insurance company can be challenging considering how many companies there are in Kansas City. The ranking information below may help you select which car insurance providers to look at purchasing a policy from. These ratings only include companies that insure vehicles nationwide, so companies that may only write in Missouri are not included in this list.
Top 10 Major Auto Insurance Companies Overall in Kansas City
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Top 10 Major Auto Insurance Companies in Kansas City Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- The Hartford – 87%
- Progressive – 87%
- AAA Insurance – 87%
- Farmers Insurance – 87%
- Liberty Mutual – 87%
The chart below demonstrates how deductibles can increase or decrease insurance prices when searching for cheap insurance for low income drivers. The rate quotes are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
As shown above, a 50-year-old driver could lower their car insurance rates by $260 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $392 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old, could roll back prices $866 or even more just by using higher deductibles. When increasing deductibles, it is important to have additional funds in a savings account to be able to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Auto insurance rates are higher with tickets and accidents
The recommended way to maintain good auto insurance prices for poor drivers is to drive attentively and avoid accidents and traffic citations. The information below shows how traffic citations and accidents can affect car insurance costs for different insured age categories. The rates are based on a married female driver, full coverage, $500 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of a car insurance policy per year with no accidents or violations is $973. Get written up for one speeding ticket and the average cost surges to $1,133, an increase of $160 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of auto insurance for low income drivers goes up to an average of $2,569. That’s an increase of $1,596, or $133 per month, just for not driving safely!
Why you should be shopping around
Missouri auto insurance rates are influenced by many factors that can increase the cost of having a policy. Simply turning a year older, having a claim, or getting caught speeding may generate price changes that can cause some rates to be more affordable than others. In addition to those changes, car insurance companies modify pricing without warning to adjust for heavy claims or excess profits. An extended period of higher than normal claims may result in high rates, while a lower level of claims can produce cheaper Kansas City car insurance rates.
To illustrate this point, the graph below shows the cheapest car insurance in Kansas City, MO for a 45-year-old female driver with no accidents or violations, and a good credit history. If we compare prices based on her current rating profile, USAA may offer the most affordable car insurance rates in Kansas City at $858 annually. This is $404 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners are the remainder of the cheapest Kansas City, MO auto insurance companies.
Now we will pretend the driver from the first example an accident claim, a little lower credit rating, and a speeding ticket. Since each company has their own unique process to establish rates, comparing rates will most likely result in a different list of the cheapest car insurance companies in Kansas City as shown below.
Travelers now has the cheapest price in Kansas City with Nationwide, Farmers, Electric, and The Hartford completing the list. This example proves why Kansas City drivers need to perform an extensive rate comparison to find the lowest auto insurance rates for low income drivers. Car insurance prices can be determined by many different factors and change dramatically, so the most economical company a year ago may now be wasting a lot of money.
If you have coverage questions and would like to get some help when comparing insurance rates for low income drivers, the agencies below are a good start to provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation. To find an auto insurance agency by location nearest to you, click the button link following the list.
- State Farm: Bret Farrar
6406 E 87th St #103 – Kansas City, MO 64138 – (816) 333-4445 - Joe Nowatzki – State Farm Insurance Agent
10201 N Oak Trafficway #400 – Kansas City, MO 64155 – (816) 420-0200 - State Farm: Bret Ohlhausen
8549 N Church Rd – Kansas City, MO 64157 – (816) 781-4960 - Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400