For high mileage drivers, one of the largest components that aid in calculating the amount you pay each year for auto insurance is where your car is garaged. Regions with larger populations or more claims tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.
The table below sorts the highest-priced places in Missouri for high mileage drivers to buy an auto insurance policy in. Kansas City comes in at #5 with an annual premium of $1,295 for the average policyholder, which is around $108 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Saint Louis | $1,488 |
| 2 | Florissant | $1,459 |
| 3 | University City | $1,366 |
| 4 | Raytown | $1,316 |
| 5 | Kansas City | $1,295 |
| 6 | Independence | $1,251 |
| 7 | Ballwin | $1,244 |
| 8 | Kirkwood | $1,235 |
| 9 | Mehlville | $1,222 |
| 10 | Chesterfield | $1,220 |
| 11 | Wildwood | $1,201 |
| 12 | Liberty | $1,189 |
| 13 | Lee’s Summit | $1,170 |
| 14 | Saint Joseph | $1,168 |
| 15 | Joplin | $1,160 |
| 16 | Blue Springs | $1,138 |
| 17 | Wentzville | $1,134 |
| 18 | Saint Charles | $1,129 |
| 19 | O’Fallon | $1,123 |
| 20 | Saint Peters | $1,117 |
| Find Cheaper Insurance Go | ||
Information shown are estimated as the specific area where the vehicle is garaged can alter coverage prices significantly.
Locating cheap auto insurance is tough enough, and deciding which companies quote the cheapest auto insurance rates for high mileage drivers requires more quotes for comparison.
Each insurance company uses their own formula for determining rates in each state, so let’s begin by taking a look at the overall cheapest auto insurance companies in Kansas City.
Find the Cheapest Auto Insurance in Missouri
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $648 |
| 2 | The Hartford | $793 |
| 3 | Allied | $841 |
| 4 | Electric | $867 |
| 5 | Auto-Owners | $997 |
| 6 | Travelers | $1,028 |
| 7 | MO Farm Bureau | $1,063 |
| 8 | Farmers | $1,105 |
| 9 | Nationwide | $1,131 |
| 10 | Cameron Mutual | $1,202 |
| 11 | State Farm | $1,271 |
| 12 | American Family | $1,291 |
| 13 | Safe Auto | $1,377 |
| 14 | Progressive | $1,382 |
| 15 | Safeco | $1,384 |
| 16 | Shelter | $1,404 |
| 17 | MetLife | $1,415 |
| 18 | GEICO | $1,448 |
| 19 | California Casualty | $1,469 |
| 20 | Auto Club | $1,488 |
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USAA may have some of the best car insurance rates in Kansas City at around $648 per year. This is $614 less than the average price paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners also qualify as some of the best Kansas City, MO auto insurance companies.
In the above rates, if you are insured with Allied and switched to USAA, you may see savings of about $193. Drivers with Electric might save as much as $219 a year, and Auto-Owners customers might lower prices by $349 a year.
It’s important to note that these policy prices are averages across all drivers and vehicles in Missouri and and are not figured with an exact location for high mileage drivers. So the car insurance company that has the cheapest rates for you may not even be in the top 23 companies shown above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
The make and model of vehicle needing coverage is one of the largest factors when comparison shopping for the most economical insurance for high mileage drivers. Vehicles with economical engines, excellent safety ratings, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models.
The table below presents coverage rates for the most budget-friendly automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,232 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,441 |
| Toyota RAV4 4WD | $1,456 |
| Nissan Altima 2.5 4-Dr Sedan | $1,466 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,459 |
| Hyundai Elantra GLS Touring Station Wagon | $1,509 |
| Ford Edge Sport 2WD | $1,532 |
| Toyota Corolla LE | $1,541 |
| Honda CR-V EX-L 2WD | $1,547 |
| GMC Sierra SL Crew Cab 4WD | $1,562 |
| Ford Fusion Sport 4-Dr Sedan | $1,567 |
| Jeep Grand Cherokee Limited 4WD | $1,562 |
| Chevrolet Equinox LTZ AWD | $1,568 |
| Toyota Prius | $1,564 |
| Ford F-150 Lariat Crew Cab Harley 4WD | $1,590 |
| Honda Odyssey LX | $1,655 |
| Toyota Camry Hybrid | $1,668 |
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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 multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in vehicle garaging location which can impact coverage rates noticeably.
Based upon these rates, you can conclude that vehicles like the Ford Escape, Volkswagen Jetta, Toyota RAV4, Nissan Altima, and Chevrolet Silverado are most likely to be the most budget-friendly vehicles to insure for high mileage drivers.
Missouri auto insurance companies
Picking the right car insurance company is hard considering how many companies are available to choose from in Missouri. The information in the lists below may help you choose which car insurance companies you want to consider when comparing rate quotes.
These rankings only include the companies with a significant amount of written premium nationwide, so companies without a large exposure will not be included in this list. If you would like to check rates from these and other top-rated companies, click this link.
Top 10 Major Auto Insurers Overall in Kansas City
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Top 10 Major Auto Insurers in Kansas City Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Liberty Mutual
- State Farm
- Allstate
- Safeco Insurance
- Travelers
- 21st Century
- Nationwide
Full coverage versus liability-only in Kansas City
Saving on auto insurance should be important to the majority of drivers, and one of the fastest ways to buy cheap insurance for high mileage drivers is to only buy liability coverage. The illustration below shows the difference between insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims or driving violations, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
As an overall average, physical damage coverage on your policy costs $1,405 per year more than just insuring for liability. That proposes the question if buying full coverage is worth the expense. There is no definitive formula for phasing out physical damage coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.
There are some situations where dropping physical damage coverage is not recommended. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
Are you paying too much for car insurance in Kansas City?
Kansas City, MO auto insurance rates are impacted by many things which can substantially decrease or increase the cost of coverage. Simply turning a year older, buying a different home, or getting a ticket for careless driving can trigger rate changes that can cause some rates to be cheaper than competitors.
Also, insurance companies modify rates without warning to adjust for heavy claims or excess profits. Unexpectedly high claims can result in high rates, while a better loss history can result in cheaper Kansas City car insurance rates.
The chart below shows the company with the cheapest car insurance in Kansas City, MO for a 30-year-old male driver with no violations or accidents, and good financial standing. If we estimate rates based on his current rating profile, USAA may offer the most affordable car insurance rates in Kansas City at $833 each year. This is $429 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers are also on the list of the cheapest Kansas City, MO auto insurance companies.
Now let’s give the driver in the first chart a chargeable claim, a lower credit score, and a traffic ticket or two. Since each auto insurer has their own formula to set premium rates, analyzing rate quotes could now result in a new list of cheap Kansas City auto insurance companies as shown below.
Auto-Owners now has the cheapest insurance rate in Kansas City with Nationwide, Farmers, The Hartford, and Allied also having competitive pricing. This example proves why it is critical to do a thorough rate comparison when trying to find the most economical auto insurance rates for high mileage drivers.
Auto insurance prices are influenced by many things and can increase or decrease at any time, so the most affordable company the last time you checked may now be an over-priced policy.