You have seen the ads from car insurance companies like Farmers, Liberty Mutual, and State Farm that claim the cheapest rates, so drivers should just choose the one with the most memorable commercial, right?
It’s just not that simple, as there are many unknown elements like how experienced of a driver you are, the number of miles you drive in a year, the likelihood of vehicle theft where you live, and your financial responsibility. This article goes into detail about these factors and others that can influence the price of auto insurance and should give you a good start in finding the cheapest insurance in Kansas City.
The vehicle model you are insuring is a large consideration when shopping around for the best insurance for uninsured drivers. Vehicles with average performance, excellent safety ratings, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models. The data below features car insurance rates for a selection of the most cost-effective automobiles to insure in Missouri.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,204 |
| Honda CR-V EX-L 4WD | $1,214 |
| Honda Accord EX 4-Dr Sedan | $1,220 |
| Ford Escape Limited 2WD | $1,214 |
| Ford Explorer XLT AWD | $1,217 |
| Honda Odyssey EX W/Rear Entertainment | $1,258 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,286 |
| Hyundai Elantra SE Touring Station Wagon | $1,292 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,329 |
| Toyota Tacoma 4WD | $1,339 |
| Dodge Grand Caravan SE | $1,329 |
| Ford F-150 XLT Crew Cab 2WD | $1,334 |
| Toyota Corolla LE | $1,349 |
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in specific Kansas City, MO garaging location which can influence price quotes considerably.
Looking at the numbers, we can expect models like the Toyota Prius, Honda CR-V, Honda Accord, and Ford Escape should be some of the most affordable vehicles to insure for drivers with no prior coverage.
Finding out which companies have the cheapest insurance rates for uninsured drivers requires more time in order to find the best policy.
Each auto insurer used slightly different criteria for setting rates, so we need to take a look at the most competitive insurance companies in Kansas City. It’s a good idea to be aware that Kansas City, MO insurance rates are based on many factors which can substantially change the price you pay. Simply having a birthday, buying a new vehicle, or having an accident may prompt premium changes that can make some companies cheaper than competitors.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $642 |
| 2 | The Hartford | $793 |
| 3 | Electric | $849 |
| 4 | Allied | $875 |
| 5 | Travelers | $1,028 |
| 6 | MO Farm Bureau | $1,032 |
| 7 | Auto-Owners | $1,037 |
| 8 | Farmers | $1,117 |
| 9 | Nationwide | $1,142 |
| 10 | Cameron Mutual | $1,190 |
| 11 | State Farm | $1,271 |
| 12 | American Family | $1,279 |
| 13 | Safe Auto | $1,363 |
| 14 | Safeco | $1,370 |
| 15 | Progressive | $1,382 |
| 16 | GEICO | $1,392 |
| 17 | California Casualty | $1,425 |
| 18 | MetLife | $1,430 |
| 19 | Shelter | $1,462 |
| 20 | Auto Club | $1,533 |
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USAA offers some of the cheapest car insurance rates in Kansas City at around $642 each year. The Hartford, Electric, Allied, and Travelers also rank well as some of the most economical Kansas City, MO insurance companies.
As depicted above, if you buy coverage from Allied and switched to The Hartford, you may realize savings of roughly $82. Customers with Travelers could save as much as $235 a year, and MO Farm Bureau policyholders might see rate reductions of $239 a year.
If you want to find out if you’re overpaying, click here to begin a quote or quote prices from the following companies.
It’s important to note that these prices are averaged across all insureds and vehicles and and are not figured with a specific zip code for uninsured drivers. So the car insurance company that is best suited for you may not even be in the top 23 companies in the list above. That is why you need to get car insurance quotes using your own driver and vehicle profiles.
One of the more important criteria that determine the amount you pay for auto insurance is where you normally keep your vehicle. Areas with a lot of weather claims or more people will most likely have higher rates, whereas more rural areas have the luxury of cheap car insurance rates.
The next table ranks the priciest cities in Missouri for uninsured drivers to purchase a policy in. Kansas City ranks #4 with a yearly premium of $1,283 for the average insured, which is about $107 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Saint Louis | $1,488 |
| 2 | Florissant | $1,401 |
| 3 | University City | $1,352 |
| 4 | Kansas City | $1,283 |
| 5 | Raytown | $1,277 |
| 6 | Independence | $1,264 |
| 7 | Mehlville | $1,222 |
| 8 | Chesterfield | $1,220 |
| 9 | Wildwood | $1,201 |
| 10 | Ballwin | $1,196 |
| 11 | Kirkwood | $1,187 |
| 12 | Lee’s Summit | $1,181 |
| 13 | Joplin | $1,172 |
| 14 | Liberty | $1,165 |
| 15 | Blue Springs | $1,160 |
| 16 | Saint Joseph | $1,134 |
| 17 | Springfield | $1,108 |
| 18 | Cape Girardeau | $1,105 |
| 19 | Wentzville | $1,101 |
| 20 | O’Fallon | $1,101 |
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Rate information is estimated as the specific geographic location can modify price quotes greatly.
The illustration below demonstrates how choosing different deductibles can influence insurance costs when getting quotes for cheap insurance for uninsured drivers. The premiums are based on a single female driver, comp and collision included, and no discounts are factored in.
The data above shows that a 40-year-old driver could lower their car insurance rates by $210 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $320 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old example, can cut up to $536 every year by selecting a higher deductible. If you do decide to increase your deductibles, it is essential to have enough in a savings account to allow you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Full coverage versus liability only rates
Finding the cheapest insurance is the goal of most vehicle owners, and one of the easiest ways to reduce the cost of insurance for uninsured drivers is to only buy liability coverage. The chart below shows the difference between insurance premiums with full coverage compared to only the Missouri minimum liability coverage. The data is based on no claims or driving violations, $500 deductibles, marital status is single, and no discounts are taken into consideration.
If averaged for all ages, full coverage costs an extra $1,681 per year more than just buying liability only. That is a large expense and it proposes the question if you should buy full coverage. There is no set guideline to stop paying for physical damage insurance, but there is a general convention. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s assume your vehicle’s settlement value is $11,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $10,000 after paying your deductible. If it’s costing you more than $1,000 a year for full coverage, then you may need to consider dropping full coverage.
The importance of shopping around
Kansas City, MO insurance rates are influenced by many factors that control the price of coverage. Getting older, buying a different vehicle, or getting a few speeding tickets can cause premium changes that can cause some rates to be cheaper than before. In addition, insurance companies change their prices at least once a year to adjust for unexpected claims or profits. Higher than usual claims may cause more expensive prices, while lower claim expenses may produce cheaper Kansas City car insurance rates.
For example, the graph below shows which companies have the cheapest car insurance in Kansas City, MO for a 30-year-old male driver with no prior accidents, a clean driving record, and solid credit. Based on his current rating profile, USAA has the lowest car insurance rates in Kansas City at $850 annually. This is $412 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners round out the rest of the best Kansas City, MO auto insurance companies.
In this example, we will give the driver in the first chart an accident surcharge, a little lower credit rating, and an imperfect driving record. Since each auto insurer has a unique approach to set their prices, analyzing rate quotes could now result in a different ranking of cheap Kansas City auto insurance companies as shown below.
MO Farm Bureau now has the best auto insurance rate in Kansas City with Nationwide, The Hartford, Farmers, and Cameron Mutual also having competitive pricing. This example proves why drivers need to shop around with many companies when trying to get the best insurance quotes for uninsured drivers. Car insurance prices can be altered by many factors and change dramatically, so the best company the last time you shopped your coverage around may now be quite expensive.
The insurance agencies below are willing to help you determine which auto insurance coverages would be the best in your situation, as lots of drivers aren’t clear which coverage they need and would like to have a little guidance when comparing insurance rates for drivers with no prior coverage. It can be time-consuming to find the best coverage on your own, so a professional agent can provide comfort knowing you have sufficient protection if you have a claim. To locate a Kansas City auto insurance agent closest to you, click the button after the list or click here to compare price quotes now.
- SIMONE Insurance Agency, LLC
7138 N Norton Ave – Kansas City, MO 64119 – (816) 739-8995 - Elaine Fry Agency — State Farm®
1310 Carondelet Dr #200 – Kansas City, MO 64114 – (816) 942-7800 - American Family Insurance – Jeff Williams Agency Inc.
6505 N Prospect Ave #100 – Kansas City, MO 64119 – (816) 459-7779