For financially responsible drivers, one of the largest things that help determine insurance cost is where you keep your car in Kansas City. Regions with larger populations or more claims are more likely to pay higher prices, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.
The illustration below shows the most expensive places in Missouri for drivers with good credit to buy car insurance in. Kansas City ranks #5 with an annual cost of $1,245 for coverage, which is approximately $104 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Saint Louis | $1,444 |
| 2 | Florissant | $1,401 |
| 3 | University City | $1,394 |
| 4 | Raytown | $1,277 |
| 5 | Kansas City | $1,245 |
| 6 | Chesterfield | $1,244 |
| 7 | Mehlville | $1,235 |
| 8 | Wildwood | $1,214 |
| 9 | Independence | $1,214 |
| 10 | Ballwin | $1,196 |
| 11 | Kirkwood | $1,187 |
| 12 | Blue Springs | $1,172 |
| 13 | Saint Joseph | $1,156 |
| 14 | Liberty | $1,153 |
| 15 | Lee’s Summit | $1,146 |
| 16 | Wentzville | $1,145 |
| 17 | Joplin | $1,126 |
| 18 | O’Fallon | $1,123 |
| 19 | Saint Peters | $1,117 |
| 20 | Saint Charles | $1,107 |
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Rate quotes are estimated as the specific garaging location can decrease or increase coverage rates significantly.
The vehicle model you are buying coverage for is one of the biggest factors when consumers are trying to find the best auto insurance for drivers with good credit. Vehicles with lower acceleration and performance, a plethora of safety features, or a low likelihood of liability claims will cost much less to insure than fast, unsafe models.
The next table ranks coverage premiums for a number of the most budget-friendly vehicles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,228 |
| Honda CR-V LX 2WD | $1,233 |
| Hyundai Elantra SE Touring Station Wagon | $1,332 |
| Ford F-150 FX4 4WD | $1,482 |
| Ford Explorer XLT 2WD | $1,502 |
| Toyota Prius | $1,532 |
| Ford Edge Sport 2WD | $1,541 |
| Dodge Grand Caravan CV | $1,557 |
| Honda Odyssey EX W/Rear Entertainment | $1,563 |
| Toyota Corolla XRS | $1,559 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,564 |
| Jeep Grand Cherokee Limited 4WD | $1,559 |
| Honda Civic Hybrid 4-Dr Sedan | $1,565 |
| Ford Fusion Sport 4-Dr Sedan | $1,559 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,577 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,587 |
| Toyota RAV4 2WD | $1,589 |
| Chevrolet Equinox LS AWD | $1,598 |
| Kia Optima SX | $1,662 |
| Chevrolet Silverado LT Crew Cab 2WD | $1,671 |
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rates do not factor in specific location which can decrease or increase premiums considerably.
Looking at the data, we can conclude that cars like the Ford Escape, Honda CR-V, and Hyundai Elantra are likely to be a few of the cheaper vehicles to insure for financially responsible drivers.
Which insurance company is best in Missouri?
Choosing a high-quality insurance company can be a challenge considering how many choices there are in Missouri. The rank data displayed below can help you analyze which insurers you want to consider comparing rate quotes with.
The ratings below only include companies with a national presence, so smaller regional companies are not factored into the list. To get price quotes and find the cheapest rates for drivers with good credit, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
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Data Source: Insure.com Best Car Insurance Companies
The diagram below demonstrates how choosing different deductibles can affect annual premium costs when trying to find cheap insurance for drivers with good credit. The data assumes a single male driver, comp and collision included, and no discounts are taken into consideration.
As shown above, a 50-year-old driver could lower their car insurance rates by $218 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $332 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could roll back prices as much as $718 or more by selecting a higher deductible. If you do make the decision to raise your deductibles, it is essential to have enough savings to cover the extra out-of-pocket expense that comes with higher deductibles.
Why are you paying too much for Kansas City car insurance?
Kansas City, MO insurance rates are determined by lots of factors which can substantially change the price of your policy. Simply having another birthday, moving to a different location, or getting a ticket for careless driving can produce rate changes that can now make some companies more affordable than the competition.
Not only may your situation change, but insurance companies file new Missouri auto insurance rates as needed to adjust for heavy claims or excess profits. Unexpectedly high claims may result in price increases, while profitable underwriting may cause cheaper Kansas City car insurance rates.
The graph below shows a variety of companies that have the cheapest car insurance in Kansas City, MO for a 45-year-old female driver with a good driving record, no prior claims, and a good credit rating. If we look at prices based on her current risk factors, USAA might offer the most affordable car insurance rates in Kansas City at $809 each year. This is $453 less than the average price paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners are also included in the top five cheapest Kansas City, MO auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart an accident surcharge, poor credit, and a traffic citation. Since every insurance provider uses their own calculation for establishing rates, comparing prices may now present a significantly different list of companies as shown below.
Travelers now has the lowest price in Kansas City, MO with Nationwide, The Hartford, Farmers, and Cameron Mutual now rounding out the top five. This illustrates why it is crucial to shop around with many companies to find the most budget-friendly auto insurance rates for drivers with good credit.
Rates are impacted by many different factors and can change without notice, so the most economical company three years ago may now be priced much higher than other options.
How to find the cheapest auto insurance for drivers with good credit
The list below details some money-saving suggestions that can help you quote cheap car insurance.
- Prevent rate increases by staying accident-free
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Pay for smaller claims out-of-pocket
- Vehicles with good safety ratings are usually cheaper to insure
- Buy your auto and home insurance from the same company and save
- Shop around for lower rates once a year
The last tip is highly valuable, as was affirmed in the article above. Prices charged by companies can be changed at any time, so you should be ready to switch carriers if you find a better deal.
Loyalty to a specific company is fine, but it’s not a great idea if your bullheadedness ends up costing you hundreds every year. It only take a few minutes to compare prices and find cheaper car insurance for drivers with good credit in Kansas City.
The Kansas City, MO, insurance agents below can probably provide answers to your questions and help you determine which auto insurance policy would work best for you, since some people prefer to have the advice of a professional agent when shopping for the best coverage for financially responsible drivers. It can be challenging to find the best policy on your own, and agents can provide comfort knowing your policy gives you adequate protection in the event of a claim.
To find a Kansas City insurance agent in your neighborhood, click the link at the bottom or click here to compare rates now.
Allstate Insurance: Steve Marshall
7000 NW Prairie View Rd Ste 100 – Kansas City, MO 64151 – (816) 587-5200
American Family Insurance – Mike Faeth
110 NW Barry Rd Ste 203 – Kansas City, MO 64155 – (816) 436-6603
Heartland Insurance Agency, Inc.
7301 Mission Rd #242, Prairie Village, KS 66208 – Prairie Village, MO 66208 – (800) 701-5909
Northland Independent Insurance Group
5575 NW Barry Rd – Kansas City, MO 64154 – (816) 587-1826