The words “bargain” and “auto insurance” really don’t belong together, specifically when you are looking for the lowest insurance rates for teachers. Let’s lead off by showing you some of the things that influence auto insurance premiums, and find out if you can lower the cost of your next policy.
The vehicle model you are insuring is one of the largest factors that determines if you can find the best insurance for teachers. Vehicles with limited top-end speed, advanced safety features, or a track record of few liability claims will cost substantially less to insure than higher performance models. The table below estimates auto insurance prices for a number of the most affordable automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $1,131 |
| Honda CR-V EX 4WD | $1,272 |
| Toyota Tacoma Double Cab 4WD | $1,308 |
| Ford F-150 Lariat Super Cab 4WD | $1,334 |
| Dodge Grand Caravan SXT | $1,339 |
| Toyota Prius | $1,341 |
| Honda Odyssey LX | $1,352 |
| Ford Edge SE 2WD | $1,361 |
| Toyota Corolla S | $1,377 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,385 |
| Chevrolet Impala LS | $1,395 |
| Kia Optima LX | $1,403 |
| GMC Sierra SLT Extended Cab 2WD | $1,409 |
| Ford Fusion SE 4-Dr Sedan | $1,403 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $1,410 |
| Get a Custom Quote Go | |
Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in specific location information which can impact prices noticeably.
Looking at the numbers, we can infer that models like the Ford Escape, Honda CR-V, and Toyota Tacoma should be a few of the cheaper vehicles to insure for teachers and educators.
One of the more important factors that determine the annual cost of car insurance is where you choose to live in Kansas City. Larger areas likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.
The illustration below lists the highest-priced areas in Missouri for teachers to buy auto insurance in. Kansas City is ranked at #5 with an annual cost of $1,257 for coverage, which is approximately $105 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Saint Louis | $1,488 |
| 2 | Florissant | $1,401 |
| 3 | University City | $1,352 |
| 4 | Raytown | $1,277 |
| 5 | Kansas City | $1,257 |
| 6 | Ballwin | $1,244 |
| 7 | Kirkwood | $1,235 |
| 8 | Independence | $1,227 |
| 9 | Mehlville | $1,222 |
| 10 | Chesterfield | $1,220 |
| 11 | Wildwood | $1,214 |
| 12 | Liberty | $1,189 |
| 13 | Blue Springs | $1,172 |
| 14 | Saint Joseph | $1,156 |
| 15 | Lee’s Summit | $1,146 |
| 16 | Saint Charles | $1,140 |
| 17 | O’Fallon | $1,134 |
| 18 | Joplin | $1,126 |
| 19 | Wentzville | $1,112 |
| 20 | Springfield | $1,108 |
| Compare Prices Now Go | ||
Annual rates are comparative as the vehicle garaging location can change coverage rates significantly.
Kansas City car insurance company ratings
Choosing the highest-rated car insurance company can be challenging considering how many companies provide coverage in Kansas City. The ranking data below can help you analyze which providers you want to consider when trying to find cheaper insurance for teachers.
These rankings are for the largest auto insurers in America, so companies with more of a regional focus are not taken into consideration for these rankings. If you’d like to compare prices from many more Missouri auto insurance companies, simply click here.
| 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 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cost comparison with and without full coverage
Paying a lower price for car insurance is the goal of the majority of drivers, and one great way to pay less for insurance for teachers is to only buy liability insurance. The diagram below compares auto insurance rates with and without physical damage coverage. The premiums assume no tickets, no at-fault accidents, $100 deductibles, single marital status, and no policy discounts are applied.
If averaged for all ages, physical damage insurance costs $1,532 per year more than carrying just liability coverage. Many of you may wonder if paying for full coverage is worth it. There is no definitive formula that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
Why you are probably overpaying for car insurance
Kansas City car insurance rates are impacted by many factors that can increase the policy price. Simply having another birthday, adding a teenager to your policy, or getting a few speeding tickets can trigger price changes that can make some companies more affordable than others. Not only may your risk profile change, but companies change the rates they charge in Missouri as needed in order to maintain liquidity for claims. Heavier than normal losses can result in additional price hikes, while a better claims history can cause lower-cost Kansas City car insurance rates.
The chart below shows rates for the cheapest car insurance in Kansas City, MO for a 30-year-old female driver with no violations or accidents, and solid credit. If we estimate prices based on her personal risk profile, USAA might quote the most affordable car insurance rates in Kansas City at $833 each year. This is $429 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners also make the list of the cheapest Kansas City, MO auto insurance companies.
Now we will pretend the driver from the above example a claim, bad credit, and a blemish on her driving record. Because each insurer has a different process to establish rates, comparing insurance quotes could result in a significantly different list of affordable Kansas City car insurance companies as shown below.
MO Farm Bureau now has the lowest price in Kansas City, MO with Nationwide, The Hartford, Farmers, and Cameron Mutual also being competitive. This example proves why it is important to do a thorough rate comparison when trying to find the most affordable car insurance quotes for teachers.
Insurance prices are calculated by many things and change dramatically, so the most affordable company the last time you shopped your coverage around may now be costing you a lot of money.
If you like to have some advice when buying car insurance for teachers, the agents below are a good start to help you decide which insurance coverage you need.
To locate an agency close to where you live, click the button below the list.
State Farm: Steve Conway
1404 NW Vivion Rd – Kansas City, MO 64118 – (816) 452-6700
American Family Insurance – Mike Faeth
110 NW Barry Rd Ste 203 – Kansas City, MO 64155 – (816) 436-6603
SIMONE Insurance Agency, LLC
7138 N Norton Ave – Kansas City, MO 64119 – (816) 739-8995
View more Kansas City, MO insurance agents
How to find more affordable car insurance for teachers
The list below shows some of the better thrifty solutions that can help Kansas City drivers find cheap coverage.
- Increase your physical damage deductibles
- Safer vehicles generally have cheaper insurance rates
- On older vehicles, drop full coverage
- Do not get traffic violations
- Pay lower rates with good credit
- Do not get into accidents
- Compare rates often to find the best deal
The last tip is highly valuable, as we emphasized in the prior article. Auto insurance rates in Kansas City can change considerably in a year, so don’t be hesitant to buy a different policy if a cheaper rate is available.
Sticking with a specific company is fine, but it isn’t a good idea if that loyalty results in overpaying a small fortune. Take a couple minutes and shop around to find cheaper car insurance for teachers.