The type of vehicle needing coverage is one of the primary factors when looking for the most affordable car insurance for police officers. Vehicles with higher performance characteristics, poor crash test ratings, or high incidents of liability claims will cost significantly more to insure than safer models. The data below presents coverage costs for a handful of the most affordable automobiles to insure in Missouri.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,211 |
| Ford F-150 XL Super Cab 2WD | $1,333 |
| Honda Accord EX 4-Dr Sedan | $1,385 |
| Toyota Tacoma 2WD | $1,405 |
| Honda Odyssey EX | $1,414 |
| Toyota RAV4 Limited 4WD | $1,433 |
| Chevrolet Impala LT | $1,438 |
| Chevrolet Malibu LT | $1,460 |
| Ford Explorer Eddie Bauer AWD | $1,469 |
| Honda CR-V EX 2WD | $1,483 |
| Hyundai Elantra GLS Touring Station Wagon | $1,493 |
| Toyota Corolla S | $1,508 |
| GMC Sierra SLE Crew Cab 2WD | $1,535 |
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Table data does not factor in specific garaging location which can decrease or increase rates considerably.
Based upon the table data, cars like the Ford Escape, Ford F-150, and Honda Accord are most likely going to be some of the cheaper vehicles to insure for law enforcement personnel.
One of the many components that are looked at to determine auto insurance rates is where your car is garaged in Kansas City. Areas with a lot of weather claims or more people tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims receive better rates.
The following table lists the highest-priced places in Missouri for police officers to buy auto insurance in. Kansas City ranks #5 with the annual price of $1,283 on average, which is approximately $107 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Florissant | $1,444 |
| 2 | Saint Louis | $1,444 |
| 3 | University City | $1,408 |
| 4 | Raytown | $1,316 |
| 5 | Kansas City | $1,283 |
| 6 | Mehlville | $1,272 |
| 7 | Independence | $1,251 |
| 8 | Ballwin | $1,244 |
| 9 | Chesterfield | $1,220 |
| 10 | Wildwood | $1,214 |
| 11 | Liberty | $1,189 |
| 12 | Kirkwood | $1,187 |
| 13 | Lee’s Summit | $1,181 |
| 14 | Blue Springs | $1,160 |
| 15 | Saint Charles | $1,140 |
| 16 | Joplin | $1,138 |
| 17 | Saint Joseph | $1,122 |
| 18 | Springfield | $1,108 |
| 19 | Wentzville | $1,101 |
| 20 | Columbia | $1,100 |
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Price information shown is estimated as the specific Kansas City residence address can modify coverage rates substantially.
Determining which company offers the best insurance rates for police officers will take a bit more work in order to find coverage that fits your budget. Each auto insurer has their own unique process for setting prices, so let’s take a look at the insurance companies with the overall best prices in Missouri.
Find Cheaper Auto Insurance for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $668 |
| 2 | The Hartford | $785 |
| 3 | Electric | $875 |
| 4 | Allied | $875 |
| 5 | Auto-Owners | $1,007 |
| 6 | MO Farm Bureau | $1,021 |
| 7 | Travelers | $1,028 |
| 8 | Nationwide | $1,098 |
| 9 | Farmers | $1,117 |
| 10 | Cameron Mutual | $1,190 |
| 11 | State Farm | $1,258 |
| 12 | American Family | $1,279 |
| 13 | Progressive | $1,368 |
| 14 | Safe Auto | $1,377 |
| 15 | Safeco | $1,412 |
| 16 | Shelter | $1,419 |
| 17 | GEICO | $1,434 |
| 18 | MetLife | $1,458 |
| 19 | California Casualty | $1,483 |
| 20 | Auto Club | $1,488 |
| Find Your Rate Go | ||
USAA may offer some of the lowest car insurance rates in Kansas City at around $668 per year. The Hartford, Electric, Allied, and Auto-Owners are also some of the cheaper Kansas City, MO insurance companies.
As shown in the table above, if you currently buy coverage from Allied and switched to USAA, you might see savings of approximately $207. Policyholders with Auto-Owners may save as much as $339 a year, and MO Farm Bureau policyholders might cut rates by $353 a year.
Remember that these policy rates are averages across all types of insureds and vehicles and and are not calculated with an exact zip code location for police officers. So the car insurance company that can offer you the best rate may not even be in the top 23 companies in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.
Price comparison of only insuring for liability
Paying less for insurance is the goal of most people, and one great way to pay less for insurance for police officers is to only pay for liability coverage. The example below shows the comparison of yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Missouri. The costs are based on no accidents or driving violations, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
Averaged for all ages 20 through 70, full coverage costs $1,262 per year more than insuring for liability only. Lot’s of drivers question if paying for full coverage is a waste of money. There is no specific rule for eliminating physical damage insurance, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.
Driving violations and accidents
The easiest way to earn good insurance rates for law enforcement personnel is to be a good driver and avoid accidents and traffic violations. The example below highlights how speeding tickets and accident claims can drive up auto insurance costs for each different age category. The rates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of car insurance per year with no accidents and a clean driving record is $1,164. Get one speeding ticket and the average cost increases to $1,358, an increase of $194 each year. Now throw in one accident along with the one speeding ticket and the annual cost of insurance for police officers increases to an average of $1,899. That’s an increase of $735, or $61 per month, just for not driving safely!
Why you should be comparing rates
Missouri insurance rates are calculated based on many things which can substantially change the cost of having a policy. Getting older, moving to a new city, or getting a few speeding tickets can produce rate changes that can cause some rates to be cheaper than others. Not only may your risk profile change, but companies change prices as often as every quarter in order to offset underwriting gains or losses. An extended period of higher than normal claims can cause rate hikes, while long-term profits may cause cheaper Kansas City car insurance rates.
The data below compares the cheapest car insurance in Kansas City, MO for a 40-year-old female driver with a clean driving record, no accidents, and good credit. Based on her personal profile, USAA might offer the lowest car insurance rates in Kansas City at $801 a year. This is $461 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners are the rest of the top five cheapest Kansas City, MO auto insurance companies.
In the next rate comparison, we’ll give the driver from above a claim, a lower credit score, and a stop sign violation. Since each auto insurance company has a proprietary method to set premium rates, comparing insurance quotes may now present a new list of affordable Kansas City car insurance companies as shown below.
MO Farm Bureau now has the best price in Kansas City with Nationwide, The Hartford, Farmers, and Cameron Mutual also being competitive. This example demonstrates why it is critical to take the time to shop around to get cheap car insurance quotes for police officers. Insurance prices consist of many things and change frequently, so the cheapest company the last time you compared rates may now be an over-priced policy.
If you wish to get some help when trying to find the best insurance rates for law enforcement personnel, the insurance agencies listed below can answer your questions and help you decide which auto insurance policy would work best for you.
To locate an agency close to you, click the button link following the list or click here to compare prices now.
- Traders Insurance Co
9300 Troost Ave – Kansas City, MO 64131 – (816) 333-5030 - Safeway Insurance Agency
3600 Broadway Suite 110 – Kansas City, MO 64111 – (816) 931-1222 - American Family Insurance – Jeff Woody
1300 NW Vivion Rd – Kansas City, MO 64118 – (816) 459-8010 - American Family Insurance – Clint Cole Agency Inc.
8301 State Line Rd Ste 112 – Kansas City, MO 64114 – (816) 444-7468
View map of Kansas City, MO insurance agents
How to find the cheapest car insurance for police officers
It’s not impossible to find cheaper rates, and here are some of the recommended thrifty solutions that can help drivers buy cheaper coverage.
- Avoid accidents
- Save money by observing traffic laws and speed limits
- Drop full coverage on older vehicles
- Safer vehicles cost less to insure
- Buying your home and auto policies from the same company can earn a discount
- If possible, pay for small claims out-of-pocket
- Shop your coverage around for the best deal
That final tip is notably necessary, as was pointed out in this write-up. Prices fluctuate considerably, so drivers shouldn’t be reluctant to switch to a new company if a cheaper price is available.
Many drivers prefer to stick with one company, but is isn’t recommended if that dedication is costing a lot of money. In less than five minutes you could compare prices to find cheaper auto insurance for police officers in Kansas City.