The vehicle you are insuring is one of the primary factors in finding economical auto insurance for government employees. Vehicles with limited top-end speed, an excellent safety record, or a positive history of liability claims will cost less to insure than adrenaline junky models. The next list shows auto insurance rates for a number of the more affordable automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,207 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,352 |
| Honda Odyssey EX W/Rear Entertainment | $1,399 |
| Chevrolet Impala LT | $1,427 |
| Chevrolet Malibu Hybrid | $1,437 |
| Toyota RAV4 Limited 4WD | $1,427 |
| Ford F-150 SVT Raptor Super Cab 4WD | $1,454 |
| Honda Accord LX-P 4-Dr Sedan | $1,481 |
| Toyota Corolla XLE | $1,501 |
| Hyundai Elantra SE 4-Dr Sedan | $1,509 |
| Honda CR-V EX-L 4WD | $1,516 |
| GMC Sierra SLT Extended Cab 4WD | $1,529 |
| Toyota Prius | $1,531 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $1,584 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,604 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,616 |
| Toyota Camry Hybrid | $1,636 |
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Prices 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 homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in vehicle location which can affect coverage prices considerably.
Based on these rates, you can presume that models like the Ford Escape, Jeep Wrangler, Honda Odyssey, and Chevrolet Impala are most likely going to be some of the cheaper vehicles to insure for state and federal workers.
One of the more important criteria that help determine auto insurance rates is where you live in Kansas City. Areas with more people or even just a higher incidence of claims likely pay more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The next table lists the priciest cities in Missouri for government employees to purchase car insurance in. Kansas City is ranked #5 with an annual rate of $1,257 for car insurance, which is about $105 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Saint Louis | $1,488 |
| 2 | Florissant | $1,401 |
| 3 | University City | $1,366 |
| 4 | Raytown | $1,264 |
| 5 | Kansas City | $1,257 |
| 6 | Independence | $1,251 |
| 7 | Mehlville | $1,235 |
| 8 | Ballwin | $1,232 |
| 9 | Wildwood | $1,214 |
| 10 | Chesterfield | $1,207 |
| 11 | Kirkwood | $1,199 |
| 12 | Liberty | $1,189 |
| 13 | Lee’s Summit | $1,181 |
| 14 | Joplin | $1,172 |
| 15 | Blue Springs | $1,172 |
| 16 | Saint Joseph | $1,156 |
| 17 | Wentzville | $1,134 |
| 18 | O’Fallon | $1,134 |
| 19 | Saint Charles | $1,129 |
| 20 | Saint Peters | $1,128 |
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Information shown are estimated as the specific Kansas City residence address can impact premiums significantly.
Finding reliable, low-cost insurance is tough enough, and figuring out which company has the cheapest insurance rates for government employees will require additional perseverance. Every insurance company has their own process to set policy rates, so let’s rank the insurance companies that tend to have lower prices in Kansas City.
Best Cheap Insurance Rates in Missouri
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $648 |
| 2 | The Hartford | $793 |
| 3 | Electric | $867 |
| 4 | Allied | $867 |
| 5 | Auto-Owners | $1,007 |
| 6 | Travelers | $1,008 |
| 7 | MO Farm Bureau | $1,021 |
| 8 | Farmers | $1,117 |
| 9 | Nationwide | $1,142 |
| 10 | Cameron Mutual | $1,190 |
| 11 | State Farm | $1,258 |
| 12 | American Family | $1,291 |
| 13 | Safeco | $1,370 |
| 14 | Shelter | $1,404 |
| 15 | GEICO | $1,406 |
| 16 | Progressive | $1,410 |
| 17 | Safe Auto | $1,419 |
| 18 | MetLife | $1,458 |
| 19 | Auto Club | $1,473 |
| 20 | California Casualty | $1,483 |
| Compare Rates Now Go | ||
USAA has some of the cheapest car insurance rates in Kansas City at around $648 each year. This is $614 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners also qualify as some of the cheaper Kansas City, MO auto insurance companies.
As shown above, if you currently buy coverage from Allied and switched to The Hartford, you could see a yearly price reduction of in the neighborhood of $74. Missouri drivers with Auto-Owners could save as much as $214 a year, and Travelers insureds might cut rates by $215 a year.
To find out how much you can save, click here to start your custom quote or click through to the companies below.
Understand that those policy rates are averages across all insureds and vehicles and do not factor in a specific location for government employees. So the insurer that can offer the best rates for your situation may not even be in the list above. That underscores the importance of why you need to get rate quotes using your own individual information.
Do you need full coverage?
Saving money when shopping for insurance should be important to the majority of people, and one of the quickest ways to find cheap insurance for government employees is to not pay for full coverage. The example below visualizes the comparison of premium costs with and without full coverage. The premiums are based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are applied.
If the expense is averaged for all age categories, full coverage costs an additional $1,405 per year over and above liability only. Many of you may wonder if paying for full coverage is a waste of money. There is no set guideline to delete physical damage insurance, but there is a broad guideline. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
There are some conditions where dropping physical damage coverage is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not buy liability only.
The chart below illustrates how your deductible choice can impact yearly insurance costs when researching cheap insurance for government employees. The premium estimates are based on a married male driver, comp and collision included, and no additional discounts are factored in.
As shown above, a 30-year-old driver could lower rates by $206 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $310 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, can cut as much as $618 every year just by choosing higher deductibles when buying full coverage.
If you make the decision to raise deductibles, it is essential to have emergency funds available to enable you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Discount Kansas City car insurance
Insurance companies that provide policies for government employees may have discounts that can lower rates by as much as 25% or more if you meet specific criteria. A few of the larger companies and a summarized list of policyholder discounts are outlined below.
- Mercury Insurance has discounts for anti-theft, age of vehicle, good student, ease of repair, location of vehicle, multi-car, and low natural disaster claims.
- Farmers Insurance discounts include distant student, youthful driver, electronic funds transfer, pay in full, mature driver, teen driver, and early shopping.
- Farm Bureau has savings for multi-vehicle, renewal discount, safe driver, driver training, and 55 and retired.
- State Farm includes discounts for safe vehicle, student away at school, accident-free, passive restraint, driver’s education, and anti-theft.
- Allstate offers discounts including safe driver, premier discount, auto/life discount, good student, new car, passive restraint, and senior citizen.
- GEICO may have discounts that include defensive driver, emergency military deployment, air bags, anti-theft, driver training, membership and employees, and good student.
The example below compares auto insurance costs with and without discounts applied to the policy premium. The premiums assume a male driver, no tickets, no at-fault accidents, Missouri state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, passive restraint, homeowner, claim-free, anti-theft, and safe-driver discounts applied. In this example, theaverage amount saved on insurance for government employees is 27% or $469.
How to find economical auto insurance for government employees
It is possible to find better rates, and here are a few money-saving suggestions that can help drivers buy cheap car insurance.
- Keep your driving record clean
- Buy a car with high safety ratings
- Avoid preventable accidents
- Better credit rating means better rates
- Increase your physical damage deductibles
- Comparison shop frequently
The last suggestion is certainly critical, as was pointed out in this article. Rates change a lot, so don’t be tentative to change to a new company if a cheaper rate is available.
Staying with the same company for years is fine, but it’s not recommended if your bullheadedness ends up costing you a fortune every year. If you have a few minutes, compare rates to find cheaper car insurance for government employees in Kansas City.
If you have questions and prefer to get help from a professional when shopping around for cheaper insurance for state and federal workers, the agencies below are a good start to aid you in deciding which policy fits your needs best. To find a Kansas City insurance agent close to you, click the button below the list.
- Etta McKenzie – State Farm Insurance Agent
11818 Blue Ridge Blvd – Kansas City, MO 64134 – (816) 861-8600 - American Family Insurance – Clint Cole Agency Inc.
8301 State Line Rd Ste 112 – Kansas City, MO 64114 – (816) 444-7468 - Abbott Insurance Inc.
8117 N Oak Trafficway – Kansas City, MO 64118 – (816) 452-8810