One of the more important components that aid in calculating auto insurance rates is where you keep your car. Regions with larger populations or more claims tend to pay more, whereas less populated areas have the enjoyment of a little cheaper coverage.
The next table rates the most costly cities in Missouri to buy car insurance in. Kansas City makes the list at #5 with an annual cost of $1,295 for the average insurance policy, which is about $108 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Saint Louis | $1,474 |
| 2 | Florissant | $1,444 |
| 3 | University City | $1,408 |
| 4 | Raytown | $1,316 |
| 5 | Kansas City | $1,295 |
| 6 | Wildwood | $1,251 |
| 7 | Independence | $1,251 |
| 8 | Mehlville | $1,222 |
| 9 | Chesterfield | $1,220 |
| 10 | Ballwin | $1,196 |
| 11 | Kirkwood | $1,187 |
| 12 | Joplin | $1,172 |
| 13 | Lee’s Summit | $1,170 |
| 14 | Liberty | $1,165 |
| 15 | Saint Joseph | $1,134 |
| 16 | Blue Springs | $1,126 |
| 17 | Springfield | $1,119 |
| 18 | Wentzville | $1,101 |
| 19 | Columbia | $1,100 |
| 20 | Saint Charles | $1,096 |
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Price information shown is estimated as the specific Kansas City residence address can decrease or increase premium rates noticeably.
Now that we understand where Kansas City ranks price-wise, determining which company offers the best insurance rates in Kansas City calls for more work in order to find the lowest price quote.
Each auto insurance company has their own unique process to determine premium rates, so let’s take a look at the most budget-friendly insurance companies in Missouri.
Find the Best Cheap Insurance in Kansas City
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $662 |
| 2 | The Hartford | $785 |
| 3 | Electric | $841 |
| 4 | Allied | $875 |
| 5 | Travelers | $1,008 |
| 6 | MO Farm Bureau | $1,021 |
| 7 | Auto-Owners | $1,027 |
| 8 | Farmers | $1,105 |
| 9 | Nationwide | $1,142 |
| 10 | Cameron Mutual | $1,166 |
| 11 | State Farm | $1,221 |
| 12 | American Family | $1,241 |
| 13 | Progressive | $1,368 |
| 14 | Shelter | $1,404 |
| 15 | Safe Auto | $1,419 |
| 16 | Safeco | $1,426 |
| 17 | MetLife | $1,430 |
| 18 | GEICO | $1,434 |
| 19 | California Casualty | $1,439 |
| 20 | Auto Club | $1,533 |
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USAA has some of the best car insurance rates in Kansas City at around $662 annually. This is $600 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Travelers are also some of the cheaper Kansas City, MO insurance companies.
As the example above demonstrates, if you buy coverage from The Hartford and switched to USAA, you may realize an annual savings of in the vicinity of $123. Policyholders with Electric may save as much as $179 a year, and Allied insureds might lower prices by $213 a year.
Be aware that those premiums are averages for all types of drivers and the different vehicles they drive and and are not calculated with an exact zip code location in Kansas City. So the car insurance company that can offer the best rates for your situation may not even be in the top 23 companies in the list above. That underscores the importance of why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.
Don’t stick with an overpriced policy
Missouri insurance rates are impacted by many things which can substantially decrease or increase the cost of a policy. Getting older, buying a new vehicle, or having an at-fault accident may generate price changes resulting in some companies being cheaper than others. Not only may your situation change, but auto insurance companies modify pricing at least once a year in order to maintain liquidity for claims. A period of increased losses may result in high rates, while a better loss history can produce more affordable Kansas City car insurance rates.
To illustrate this example, the bar chart below compares the cheapest car insurance in Kansas City, MO for a 35-year-old male driver with no accidents or violations, and excellent credit. Based on his current situation, USAA offers the best car insurance rates in Kansas City at $793 a year. This is $469 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers also make the list of the cheapest Kansas City, MO auto insurance companies.
In this next rate comparison, we will give the driver from above a chargeable accident, bad credit, and a few traffic violations. Because each insurer has a different process for filing rates in each state, comparing rates may result in a slightly different list of the cheapest car insurance companies in Kansas City as shown below.
MO Farm Bureau now has the cheapest car insurance in Kansas City, MO with Farmers, Nationwide, The Hartford, and Allied also being competitive. This example proves why it is crucial to compare lots of rates when trying to find affordable auto insurance quotes in Kansas City. Auto insurance prices can be determined by many different factors and can change substantially, so the best option three years ago may now be an over-priced policy.
The type of vehicle requiring insurance is probably the most important factor in finding cheap car insurance in Kansas City. Vehicles with lots of horsepower, poor crash test ratings, or a track record of large liability claims will cost quite a bit more to insure than more modest models.
The next list presents auto insurance rates for a handful of the more affordable vehicles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,313 |
| Ford F-150 XLT Super Cab 2WD | $1,330 |
| Chevrolet Equinox LS AWD | $1,404 |
| Toyota RAV4 Sport 4WD | $1,409 |
| Dodge Grand Caravan SXT | $1,431 |
| Hyundai Elantra SE 4-Dr Sedan | $1,476 |
| Honda Odyssey EX-L | $1,484 |
| Honda CR-V EX-L 4WD | $1,488 |
| Toyota Corolla XRS | $1,503 |
| Ford Fusion SE 4-Dr Sedan | $1,512 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,503 |
| Ford Edge SEL 2WD | $1,577 |
| Ford Escape Limited 4WD | $1,580 |
| GMC Sierra Denali Crew Cab 4WD | $1,604 |
| Toyota Camry Hybrid | $1,607 |
| Toyota Camry LE | $1,609 |
| Dodge Ram 2500 Crew Cab ST 4WD | $1,634 |
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in specific zip code location which can decrease or increase premiums greatly.
Based on these rates, we can conclude that vehicles like the Toyota Prius, Ford F-150, Chevrolet Equinox, and Toyota RAV4 are most likely to be some of the more affordable vehicles to insure for drivers in Kansas City.
The diagram below highlights how deductible choice can influence premium costs when researching cheap insurance in Kansas City. The premiums are based on a married female driver, full coverage, and no other discounts are factored in.
The data above shows that a 50-year-old driver could reduce rates by $244 a year by increasing from a $100 deductible to a $500 deductible, or save $368 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old example, have the ability to save up to $608 or even more by using higher deductibles when buying full coverage. If you make the decision to raise deductibles, it is important to have enough in a savings account to allow you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.