The make and model of vehicle that is being insured is one of the primary factors when looking for affordable auto insurance for felons. Vehicles with average performance, good crash test ratings, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models. The next table illustrates insurance rates for a selection of the cheapest vehicles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,183 |
| Hyundai Elantra GLS Touring Station Wagon | $1,190 |
| Dodge Grand Caravan CV | $1,329 |
| Ford Edge Limited 2WD | $1,376 |
| Honda CR-V EX-L 2WD | $1,386 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,430 |
| Honda Accord EX-L 4-Dr Sedan | $1,470 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,502 |
| GMC Sierra SLT Extended Cab 4WD | $1,508 |
| Kia Optima LX | $1,507 |
| Ford Explorer XLT AWD | $1,522 |
| Dodge Ram Crew Cab ST 2WD | $1,534 |
| Nissan Rogue SL AWD | $1,578 |
| Chevrolet Silverado Crew Cab Hybrid 4WD | $1,603 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,606 |
| Toyota RAV4 Limited 4WD | $1,615 |
| Toyota Prius | $1,613 |
| Find Cheaper Rates Go | |
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in zip code location which can impact rates substantially.
Looking at the rates, cars like the Ford Escape, Hyundai Elantra, Dodge Grand Caravan, Ford Edge, and Honda CR-V will definitely be a few of the cheapest vehicles to insure for felons.
Trying to buy cheap insurance is difficult, and determining which companies have the most affordable auto insurance rates for felons involves additional perseverance. Every insurance provider has their own process to set their prices, so let’s take a look at the auto insurance companies with the most affordable rates in Kansas City.
Find Cheaper Car Insurance for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $648 |
| 2 | The Hartford | $817 |
| 3 | Allied | $841 |
| 4 | Electric | $875 |
| 5 | Auto-Owners | $1,037 |
| 6 | Travelers | $1,038 |
| 7 | MO Farm Bureau | $1,063 |
| 8 | Farmers | $1,105 |
| 9 | Nationwide | $1,109 |
| 10 | Cameron Mutual | $1,190 |
| 11 | State Farm | $1,271 |
| 12 | American Family | $1,291 |
| 13 | Safeco | $1,370 |
| 14 | Progressive | $1,382 |
| 15 | Safe Auto | $1,419 |
| 16 | California Casualty | $1,439 |
| 17 | GEICO | $1,448 |
| 18 | MetLife | $1,458 |
| 19 | Shelter | $1,462 |
| 20 | Auto Club | $1,488 |
| Quote Your Rates Go | ||
USAA normally has some of the lowest car insurance rates in Kansas City at around $648 each year. The Hartford, Allied, Electric, and Auto-Owners are also some of the cheapest Kansas City, MO auto insurance companies.
As the example above demonstrates, if you currently buy coverage from The Hartford and switched to USAA, you could earn annual savings of in the neighborhood of $169. Missouri drivers with Allied might save as much as $193 a year, and Electric insureds might lower prices by $227 a year.
To find out how much you can save, click here to start a quote or click several companies below for low rates.
Remember that these premiums are averaged across all drivers and vehicles and do not factor in an exact vehicle garaging location for felons. So the company that can offer the best rates for your situation may not even be in the list above. That illustrates why you need to compare prices as often as possible using your own driver information and specific vehicle type.
For felons, one of the big factors that are looked at to determine the cost of insurance is your address. Cities with larger populations likely pay more, whereas areas with less crime or weather claims have the gratification of cheaper auto insurance rates.
The table below lists the highest-priced areas in Missouri for felons to purchase auto insurance in. Kansas City ranks #4 with a yearly premium of $1,283 for the average policyholder, which is about $107 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Saint Louis | $1,444 |
| 2 | Florissant | $1,416 |
| 3 | University City | $1,394 |
| 4 | Kansas City | $1,283 |
| 5 | Mehlville | $1,272 |
| 6 | Independence | $1,264 |
| 7 | Raytown | $1,264 |
| 8 | Kirkwood | $1,223 |
| 9 | Chesterfield | $1,220 |
| 10 | Wildwood | $1,214 |
| 11 | Ballwin | $1,208 |
| 12 | Lee’s Summit | $1,181 |
| 13 | Joplin | $1,172 |
| 14 | Liberty | $1,165 |
| 15 | Blue Springs | $1,160 |
| 16 | Saint Charles | $1,140 |
| 17 | Wentzville | $1,134 |
| 18 | Saint Peters | $1,128 |
| 19 | Saint Joseph | $1,122 |
| 20 | Cape Girardeau | $1,105 |
| Start a Quote Go | ||
Rate quotes are estimated as specific Kansas City zip code can increase or decrease premium rates greatly.
Violations and accidents raise rates
One of the best ways to score the best auto insurance premiums in Missouri for felons is to be a good driver and avoid getting tickets or having accidents. The illustration below demonstrates how speeding tickets and accident claims raise car insurance costs for each age group. The premiums are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
The chart shows that the average cost of car insurance in Missouri per year with a clean driving record and no accidents is $1,681. Factor in two speeding tickets and the average cost jumps to $2,220, an increase of $538 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for felons goes up to an average of $4,341. That’s an increase of $2,660, or $222 per month, just for not being attentive to the road!
Should you buy full coverage?
Reducing the cost of auto insurance is the goal of most drivers, and a good way to pay less for insurance for felons is to buy only liability coverage. The information below compares insurance costs with full coverage and liability only. The prices are based on no violations or claims, $100 deductibles, drivers are single, and no other discounts are factored in.
Averaged for all age groups, comp and collision coverage costs an additional $2,051 per year over and above liability coverage. At some point, about every driver wonders if you should buy full coverage. There is no clear-cut rule of when to eliminate comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
There are some scenarios where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
Get discounts on Kansas City auto insurance
Car insurance companies that offer cheap quotes for felons may have special discounts that can reduce rates by 25% or more if you meet eligibility requirements. A few popular companies and some of the premium reductions they offer are included below.
- GEICO has savings for multi-vehicle, military active duty, federal employee, daytime running lights, and driver training.
- MetLife discounts include good driver, defensive driver, claim-free, accident-free, multi-policy, and good student.
- State Farm includes discounts for multiple policy, anti-theft, good student, Steer Clear safe driver discount, and passive restraint.
- Progressive offers discounts including multi-vehicle, good student, online signing, continuous coverage, homeowner, and multi-policy.
- Mercury Insurance has discounts for ease of repair, good student, anti-theft, multi-policy, and type of vehicle.
- 21st Century policyholders can earn discounts including good student, automatic seat belts, air bags, student driver, homeowners, early bird, and defensive driver.
- Allstate may offer discounts for premier plus, FullPay discount, defensive driver, teenSMART discount, passive restraint, good student, and auto/life discount.
The illustration below illustrates the difference between car insurance costs with and without discounts. The premiums are based on a female driver, no accidents, no driving violations, Missouri state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with claim-free, anti-theft, multiple policy, safe-driver, accident-free, and marriage discounts applied. In this example, theamount saved on auto insurance for felons is 28% or $331.