You have most likely seen the ads from auto insurance companies like Farmers, State Farm, and Progressive guaranteeing big savings. So drivers should just choose the one with the best commercial, right?
It’s not that simple, unfortunately, as there are a whole slew of unknown elements such as if you own your own home, whether you are married or single, and the safety features built into your vehicle. We will touch on the best ways to find cheap auto insurance and should give you a good start to your coverage search.
For drivers on welfare, one of the more important considerations that aid in calculating insurance cost is where your car is garaged. Regions with more people or even just more weather-related claims tend to pay more, whereas more rural areas tend to receive cheaper rates.
The table below ranks the most costly cities in Missouri for welfare recipients in which to buy car insurance. Kansas City is listed at #5 with an annual cost of $1,283 for the average policy, which is about $107 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Florissant | $1,459 |
| 2 | Saint Louis | $1,444 |
| 3 | University City | $1,352 |
| 4 | Raytown | $1,316 |
| 5 | Kansas City | $1,283 |
| 6 | Chesterfield | $1,257 |
| 7 | Wildwood | $1,251 |
| 8 | Mehlville | $1,222 |
| 9 | Independence | $1,214 |
| 10 | Kirkwood | $1,199 |
| 11 | Ballwin | $1,196 |
| 12 | Lee’s Summit | $1,170 |
| 13 | Liberty | $1,153 |
| 14 | Blue Springs | $1,138 |
| 15 | Wentzville | $1,134 |
| 16 | O’Fallon | $1,134 |
| 17 | Joplin | $1,126 |
| 18 | Saint Joseph | $1,122 |
| 19 | Saint Peters | $1,117 |
| 20 | Columbia | $1,100 |
| Compare Rates Now Go | ||
Premium costs are comparative as specific Kansas City zip code can lower or raise prices substantially.
Comparing rates for budget auto insurance is not the easiest thing to do, and finding out which insurers offer the cheapest car insurance rates for welfare recipients may require even more diligence. Each auto insurance company has a unique formula to set their prices, so to begin we’ll rank the overall cheapest car insurance companies in Kansas City, MO.
It’s a good idea to know that Kansas City car insurance rates are impacted by many factors that may substantially change the cost of coverage. Price variation is why consumers need to take the time to spend some time comparing rates when trying to get the most budget-friendly auto insurance rates for welfare recipients. Insurance prices are determined by many risk factors and change dramatically, so the best option three years ago may now be priced much higher than other options.
Compare Cheap Insurance Quotes in Missouri
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $648 |
| 2 | The Hartford | $809 |
| 3 | Electric | $875 |
| 4 | Allied | $875 |
| 5 | Auto-Owners | $1,007 |
| 6 | Travelers | $1,008 |
| 7 | MO Farm Bureau | $1,032 |
| 8 | Nationwide | $1,131 |
| 9 | Farmers | $1,151 |
| 10 | Cameron Mutual | $1,202 |
| 11 | State Farm | $1,234 |
| 12 | American Family | $1,241 |
| 13 | Progressive | $1,368 |
| 14 | GEICO | $1,406 |
| 15 | Safe Auto | $1,419 |
| 16 | Safeco | $1,426 |
| 17 | MetLife | $1,430 |
| 18 | Shelter | $1,447 |
| 19 | California Casualty | $1,469 |
| 20 | Auto Club | $1,473 |
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USAA generally has some of the most affordable car insurance rates in Kansas City at around $648 each year. The Hartford, Electric, Allied, and Auto-Owners also qualify as some of the most economical Kansas City, MO insurance companies.
In the rate table above, if you are currently insured with Electric and switched to USAA, you may see annual savings of about $227. Drivers with Allied may save as much as $227 a year, and Auto-Owners customers might see rate reductions of $359 a year.
To find the cheapest coverage for you, click here to get quotes or quote rates from the companies below.
Bear in mind that those premiums are averaged for all drivers and vehicles and do not factor in a specific zip code for welfare recipients. So the car insurance company that is best for you may not even be in the top 23 companies shown above. That helps illustrate why you need to get quotes using your own driver information and specific vehicle type.
The diagram below shows how choosing a deductible can influence insurance costs when trying to find cheap insurance for welfare recipients. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The chart above illustrates that a 30-year-old driver could cut expenses by $206 a year by increasing from a $100 deductible to a $500 deductible, or save $310 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old, could reduce their rates $618 each year by using a higher deductible.
If you do make the decision to raise your deductibles, it will now be necessary to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Get discounts on Kansas City insurance rates
Insurance companies that sell policies for welfare recipients could also offer discounts that could reduce prices by 40% or more if you meet certain criteria. Larger car insurance companies and their possible discounts are detailed below.
- GEICO may include discounts for multi-vehicle, defensive driver, driver training, membership and employees, and multi-policy.
- Travelers offers premium reductions for save driver, student away at school, IntelliDrive, hybrid/electric vehicle, payment discounts, home ownership, and early quote.
- Farm Bureau discounts include renewal discount, youthful driver, driver training, safe driver, multi-policy, and good student.
- Liberty Mutual has discounts for safety features, exclusive group savings, preferred payment discount, multi-car, and good student.
- American Family has savings for early bird, defensive driver, Steer into Savings, multi-vehicle, mySafetyValet, and bundled insurance.
- Progressive may have discounts that include good student, online signing, multi-policy, homeowner, continuous coverage, and online quote discount.
The information below illustrates the comparison of car insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no violations or accidents, Missouri state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple policy, vehicle safety, homeowner, claim-free, accident-free, and safe-driver discounts applied. In this example, the average amount saved each year on car insurance for welfare recipients is 28% or $312.
Last year’s bargain might be this year’s rip off
Kansas City car insurance rates are based on many factors which can substantially change the cost of having a policy. Improving your credit score, buying higher coverage limits, or getting a driving violation can trigger price changes that can cause some rates to be more affordable than the competition. Additionally, insurers change rates multiple times each year in order to be able to pay unexpected claims. An unexpected high level of claims can result in additional price hikes, while lower claims may cause lower-priced Kansas City car insurance rates.
As an example, the chart below demonstrates which company has the cheapest car insurance in Kansas City, MO for a 35-year-old female driver with no prior claims, no tickets, and good financial standing. Based on her current risk profile, USAA offers the lowest car insurance rates in Kansas City at $793 per year. This is $469 less than the average price paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers round out the rest of the most affordable Kansas City, MO auto insurance companies.
Let’s now give the driver from the above example a claim surcharge, a lower credit score, and a blemish on her driving record. Since each insurance company has their own unique process for filing rates in each state, comparing prices may now show a slightly different list of affordable companies as shown below.
MO Farm Bureau now has the cheapest rate in Kansas City with Nationwide, The Hartford, Farmers, and Electric now rounding out the top five. This example demonstrates why it is critical to compare many different companies when trying to get the most economical auto insurance rates for welfare recipients. Insurance prices are determined by many things and can increase or decrease at any time, so the most economical option the last time you shopped around may now be priced much higher than other options.