It would sure make life easier if we could simply tell you the one Missouri auto insurance company that has the best car insurance rates in Missouri. Regrettably, it’s not quite that easy, as there are a whole bunch of unknown factors such as the crash test ratings of your vehicle, tickets or driving violations, the annual mileage you drive, and your marital status, that all impact the cost of coverage. We will try to teach you about the best ways to avoid paying too much and will hopefully give you some help in finding cheaper rates.
Shopping around for cheap car insurance is not the easiest thing to accomplish, and determining which company quotes the cheapest auto insurance rates for electric cars may require even more diligence.
Each company has their own guidelines to determine rates, so first let’s look at the rankings for the lowest cost auto insurance companies in Kansas City, MO. We do need to point out that Kansas City auto insurance rates are calculated based on many things which can significantly increase or decrease the price you pay for coverage. Simply having a birthday, buying a newer car, or getting a reckless driving citation may generate price changes resulting in some companies being more expensive than others.
Best Insurance Companies for EV’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $648 |
| 2 | The Hartford | $809 |
| 3 | Allied | $841 |
| 4 | Electric | $875 |
| 5 | Auto-Owners | $997 |
| 6 | Travelers | $1,038 |
| 7 | MO Farm Bureau | $1,063 |
| 8 | Farmers | $1,105 |
| 9 | Nationwide | $1,109 |
| 10 | Cameron Mutual | $1,202 |
| 11 | American Family | $1,241 |
| 12 | State Farm | $1,258 |
| 13 | Safe Auto | $1,363 |
| 14 | Progressive | $1,382 |
| 15 | Shelter | $1,404 |
| 16 | California Casualty | $1,425 |
| 17 | Safeco | $1,426 |
| 18 | MetLife | $1,430 |
| 19 | GEICO | $1,448 |
| 20 | Auto Club | $1,533 |
| Compare Rates Now Go | ||
USAA quotes some of the best car insurance rates in Kansas City at around $648 each year. This is $614 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners also are some of the most economical Kansas City, MO car insurance companies.
As the example above demonstrates, if you are a customer of Electric and switched to The Hartford, you could earn yearly savings of about $66. Insureds with Auto-Owners may save as much as $188 a year, and Travelers policyholders might lower prices by up to $229 a year.
To compare your rates to other Missouri insurance companies, click here to begin a quote or click through to the companies below.
Be aware that those estimates are averages across all drivers and vehicles and are not factoring in a specific location for electric cars. So the insurer that has the lowest price for you may not even be in the top 23 companies in the list above. That’s why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
One of the more important things that are looked at to help calculate the amount you pay each year for auto insurance is where you keep your car in Kansas City. Areas with high crime rates or more dense population likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of cheap car insurance rates.
The next table rates the most expensive cities in Missouri for electric cars to purchase a policy in. Kansas City ranks #6 with the annual price of $1,257 for coverage, which is around $105 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Florissant | $1,444 |
| 2 | Saint Louis | $1,444 |
| 3 | University City | $1,408 |
| 4 | Raytown | $1,316 |
| 5 | Mehlville | $1,259 |
| 6 | Kansas City | $1,257 |
| 7 | Chesterfield | $1,244 |
| 8 | Ballwin | $1,244 |
| 9 | Independence | $1,227 |
| 10 | Wildwood | $1,214 |
| 11 | Kirkwood | $1,187 |
| 12 | Blue Springs | $1,160 |
| 13 | Liberty | $1,153 |
| 14 | Lee’s Summit | $1,146 |
| 15 | Saint Charles | $1,140 |
| 16 | Joplin | $1,138 |
| 17 | O’Fallon | $1,123 |
| 18 | Saint Joseph | $1,122 |
| 19 | Saint Peters | $1,117 |
| 20 | Wentzville | $1,112 |
| Compare Prices Now Go | ||
Rate information is estimated as the garaging address in Kansas City can raise or lower premium rates considerably.
The make and model of vehicle needing coverage is a large consideration when trying to find low-priced auto insurance for electric cars. Vehicles with average performance, good safety features, or a low likelihood of having liability claims will cost less to insure than fast, unsafe models.
The next table outlines coverage premiums for a number of the more affordable vehicles to insure in Missouri.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,232 |
| Honda CR-V EX 4WD | $1,260 |
| Toyota Prius | $1,365 |
| Dodge Grand Caravan CV | $1,380 |
| Chevrolet Impala LS | $1,428 |
| Ford Focus S 4-Dr Sedan | $1,433 |
| Chevrolet Equinox LT AWD | $1,456 |
| Toyota Tacoma X-Runner 2WD | $1,532 |
| Chevrolet Malibu LTZ | $1,562 |
| Nissan Rogue S 2WD | $1,569 |
| Toyota Corolla XRS | $1,562 |
| Ford F-150 XL Super Cab 4WD | $1,582 |
| Ford Edge SEL 2WD | $1,640 |
| Start a Quote Go | |
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in Kansas City, MO location which can change premiums considerably.
Based upon the table data, we can tell that makes and models like the Ford Escape, Honda CR-V, Toyota Prius, Dodge Grand Caravan, and Chevrolet Impala will definitely be some of the less-costly vehicles to insure for eco-friendly vehicles.
The example below illustrates how choosing a deductible can impact annual premium costs when getting quotes for cheap insurance for electric cars. The price estimates are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
In the chart above, a 40-year-old driver could cut expenses by $286 a year by switching from a $100 deductible to a $500 deductible, or save $430 by using a $1,000 deductible. Even younger drivers, like the 20-year-old, could roll back prices up to $734 annually just by choosing higher deductibles. If you do raise deductibles, it’s a good idea to have plenty of savings on hand to be able to pay the extra out-of-pocket expense that is associated with using high deductibles.
Careless driving habits raise auto insurance rates
In a perfect world, the ideal way to earn low auto insurance prices for eco-friendly vehicles is to be a good driver and have a clean driving record. The chart below highlights how traffic violations and accident claims raise insurance rates for different age groups. The data assumes a single female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
In the chart above, the average cost of car insurance in Missouri per year with a clean driving record and no accidents is $1,453. Get one speeding ticket and the average cost increases to $1,645, an increase of $192 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for electric cars increases to an average of $2,187. That’s an increase of $734, or $61 per month, just for not being more responsible behind the wheel!
Can you find cheaper Kansas City car insurance?
Missouri auto insurance rates are based on many factors that will increase or decrease the price you have to pay. Improving your credit score, moving across town, or getting a speeding ticket may generate price changes that can make some companies much cheaper than others.
Also, insurance companies change rates as often as every quarter in order to offset underwriting gains or losses. Heavier than normal losses can result in higher rates, while a profitable period can produce more affordable Kansas City car insurance rates.
The graph below shows which company has the cheapest car insurance in Kansas City, MO for a 40-year-old female driver with a clear driving record, no claims, and a good credit rating. If we compare prices based on her current situation, USAA offers the most affordable car insurance rates in Kansas City at $833 per year. This is $429 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers are also included in the cheapest Kansas City, MO auto insurance companies.
The chart below compares rates after we give the driver from above a chargeable claim, less-than-perfect credit, and a speeding ticket. Because each company uses their own method to determining premium rates, getting updated rate quotes may now show a different set of affordable companies as shown below.
MO Farm Bureau now has the best price in Kansas City, MO with Farmers, The Hartford, Nationwide, and Cameron Mutual also having competitive pricing. This example demonstrates why consumers need to perform a complete rate comparison to find the most economical auto insurance rates for electric cars. Insurance prices are made up of many risk factors and can change without notice, so the best price when you last compared rates may now not even be in the top five.