If you want to find the absolute lowest rates, then the best way to find more affordable auto insurance rates in Kansas City is to start comparing prices regularly from insurance carriers that sell auto insurance in Missouri. You can compare prices by completing these steps.
- Get an understanding of how auto insurance works and the things you can control to lower rates. Many rating factors that increase rates such as at-fault accidents and a negative credit score can be improved by making minor driving habit or lifestyle changes. Continue reading for information to prevent rate hikes and earn a bigger discount.
- Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agents can provide prices from many different companies.
- Compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you can save some money and switch companies, ensure coverage does not lapse between policies.
The critical component of shopping around is to make sure you’re comparing the same amount of coverage on each quote and and to look at as many different companies as possible. Doing this ensures the most accurate price comparison and the best price selection.
It’s safe to assume that car insurance companies don’t want you comparing rates. Drivers who shop around for a cheaper policy will probably buy a different policy because there is a good probability of getting low-cost coverage. A recent auto insurance study discovered that drivers who shopped around annually saved an average of $72 a month compared to those who don’t make a habit of comparing rates.
If finding the cheapest rates on auto insurance in Kansas City is the reason you’re reading this, understanding how to quote and compare insurance coverage can help you be more efficient.
Lowering your Toyota Yaris insurance rates is not a difficult process. Just spend a few minutes on the computer comparing free Kansas City car insurance quotes provided by online insurance companies.
It’s so fast and easy to compare rate quotes online that it makes it obsolete to go to insurance agencies in your area. The ability to get quotes online has made agencies unnecessary unless you prefer the professional abilities that you can only get from talking to an agent. It is possible with some companies get prices online and still use a local agent.
The providers in the list below provide price quotes in Missouri. To get cheap auto insurance in Kansas City, we suggest you visit as many as you can to get the best price comparison.
Lower rates by qualifying for discounts
Car insurance companies don’t always advertise all available discounts in a way that’s easy to find, so we took the time to find a few of the more well known and the harder-to-find discounts you could be receiving when you buy Kansas City car insurance online.
- Driver Training Discounts – Participating in a defensive driving course could possibly earn you a 5% discount if your company offers it.
- Early Switch Discount – A few car insurance companies allow discounts for renewing your policy prior to the expiration date on your current Yaris insurance policy. It can save you around 10%.
- Distant Student – Youth drivers who are enrolled in a college that is more than 100 miles from Kansas City and don’t have a car could qualify for this discount.
- Kansas City Homeowners Pay Less – Simply owning a home can help you save on car insurance since home ownership shows financial diligence.
- ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.
Please keep in mind that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will reduce the premium cost.
The illustration below illustrates the difference between Toyota Yaris insurance rates with and without discounts. The data is based on a male driver, no violations or accidents, Missouri state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, claim-free, multi-car, and marriage discounts applied.
A few of the larger companies and the discounts they provide are:
- American Family has savings for air bags, multi-vehicle, early bird, bundled insurance, and TimeAway discount.
- Nationwide offers premium reductions for Farm Bureau membership, family plan, accident-free, good student, defensive driving, and anti-theft.
- MetLife includes discounts for multi-policy, accident-free, defensive driver, good student, and claim-free.
- 21st Century may have discounts that include student driver, defensive driver, theft prevention, automatic seat belts, and anti-lock brakes.
- Farmers Insurance policyholders can earn discounts including bundle discounts, business and professional, multi-car, distant student, mature driver, switch companies, and alternative fuel.
- Allstate has discounts for teenSMART discount, premier discount, defensive driver, EZ pay plan discount, senior citizen, anti-theft, and 55 and retired.
When comparing rates, check with all companies you are considering what discounts are available to you. Savings may not apply in Kansas City. If you would like to view car insurance companies that offer the discounts shown above in Missouri, click this link.
Statistics and details
The rate information shown below covers a range of coverage costs for Toyota Yaris models. Having insight into how insurance policy rates are established can help drivers make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $200 | $426 | $406 | $24 | $122 | $1,178 | $98 |
| Yaris 4-Dr Hatchback | $200 | $426 | $360 | $22 | $108 | $1,116 | $93 |
| Yaris 4-Dr Sedan | $200 | $426 | $360 | $22 | $108 | $1,116 | $93 |
| Yaris S 2-Dr Hatchback | $228 | $426 | $406 | $24 | $122 | $1,206 | $101 |
| Yaris S 4-Dr Hatchback | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
| Yaris S 4-Dr Sedan | $228 | $426 | $360 | $22 | $108 | $1,144 | $95 |
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Estimates do not factor in garaging location in Kansas City which can raise or lower coverage prices noticeably.
Higher deductibles lower rates
One of the more difficult decisions when buying car insurance is which deductibles should you choose. The following tables determine the difference in cost when you select higher and lower policy deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $200 | $414 | $302 | $18 | $90 | $1,049 | $87 |
| Yaris 4-Dr Hatchback | $200 | $414 | $266 | $16 | $80 | $1,001 | $83 |
| Yaris 4-Dr Sedan | $200 | $414 | $266 | $16 | $80 | $1,001 | $83 |
| Yaris S 2-Dr Hatchback | $230 | $414 | $302 | $18 | $90 | $1,079 | $90 |
| Yaris S 4-Dr Hatchback | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
| Yaris S 4-Dr Sedan | $230 | $414 | $266 | $16 | $80 | $1,031 | $86 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Yaris 2-Dr Hatchback | $146 | $280 | $302 | $18 | $90 | $836 | $70 |
| Yaris 4-Dr Hatchback | $146 | $280 | $266 | $16 | $80 | $788 | $66 |
| Yaris 4-Dr Sedan | $146 | $280 | $266 | $16 | $80 | $788 | $66 |
| Yaris S 2-Dr Hatchback | $168 | $280 | $302 | $18 | $90 | $858 | $72 |
| Yaris S 4-Dr Hatchback | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
| Yaris S 4-Dr Sedan | $168 | $280 | $266 | $16 | $80 | $810 | $68 |
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Table data does not factor in garaging location in Kansas City which can modify premium rates significantly.
We can estimate from the data above that using a $100 deductible costs approximately $18 more each month or $216 each year than choosing the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go more than 22 months between claims, you would probably be better off if you elect the higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $100 deductibles: | $86 |
| Average monthly premium for $500 deductibles (subtract): | – $68 |
| Monthly savings from raising deductible: | $18 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $18 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
An important sidenote is that a higher deductible level means you will have to cover more of the damage yourself when you do file a claim. That will require some money saved in order to pay the higher deductible in order to repair your vehicle.
The example below demonstrates how deductible levels and can increase or decrease Toyota Yaris yearly insurance costs for each different age category. The price estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
Rate increases following a ticket or accident
The example below highlights how traffic violations and accident claims can impact Toyota Yaris insurance premiums for different categories of driver ages. The rates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
Do you need full coverage?
The information below shows the difference between Toyota Yaris auto insurance costs with full coverage and liability only. Data assumes no claims or driving violations, $500 deductibles, single status, and no additional discounts are factored in.
When to stop buying full coverage
There is no exact rule that is best for determining when to drop physical damage coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Toyota Yaris settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after paying your deductible. If premiums are more than $500 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are some conditions where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Best auto insurance in Kansas City
Finding the top insurance company is hard considering how many companies are available to choose from in Kansas City. The ranking data below can help you choose which providers to look at when comparing rate quotes.
| 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 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies
Get Cheaper Insurance with These Tips
Lots of things are used in the calculation when you get your auto insurance bill. Some are obvious like your driving record, but other criteria are less apparent such as whether you are married or how financially stable you are. One of the most helpful ways to save on insurance is to to have a grasp of some of the things that help calculate your premiums. When consumers understand what determines base rates, this allows you to make good choices that will entitle you to much lower annual insurance costs.
Shown below are some of the items used by companies to determine your rate level.
Extra coverages you don’t need – There are a lot of additional extra coverages that you can get tricked into buying if you don’t pay attention. Coverages like vanishing deductibles, accidental death, and motor club memberships are examples of these. These may sound like a good investment when buying your policy, but your money might be better spent on other coverage so remove them from your policy.
Multiple policies with one company – Most larger insurance companies will award discounts to customers who carry more than one policy, otherwise known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, it’s always a smart idea to comparison shop to guarantee you are still saving the most. Consumers may find lower rates by insuring with multiple companies.
How old are your drivers? – Beginning drivers in Missouri tend to be less responsible when at the wheel of a vehicle and because of this, their insurance rates are much higher. More mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents, and tend to be get fewer driving tickets.
The chart below uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Lower rates for safer cars – Cars with high safety ratings tend to have better insurance rates. The safest vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries means lower claim amounts passed on to you as lower rates. If your Toyota has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
You might have higher rates if you are single – Being married actually saves money on insurance. It means you’re less irresponsible and it’s proven that drivers who are married are more cautious.
Safeguard your assets with liability insurance – Your insurance policy’s liability coverage provides coverage if you are found liable for an accident. It provides for a legal defense which can cost a lot. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
Performance makes a difference – The performance of the car or truck you need to insure makes a big difference in your car insurance bill. The lowest base rates are generally reserved for the lowest performance passenger models, but other factors influence the final cost greatly.
The following data uses these variables: married female driver age 50, full coverage with $100 deductibles, and no discounts or violations. The chart compares Toyota Yaris rates compared to other vehicles that have different performance rating factors.
Insurance loss data for a Toyota Yaris – Companies factor in insurance loss information to help calculate premium prices. Vehicles that statistically have higher loss trends will have higher rates for specific coverages.
The table below demonstrates the loss history for Toyota Yaris vehicles. For each policy coverage, the loss probability for all vehicles, as a total average, is equal to 100. Numbers below 100 are indicative of better than average losses, while numbers above 100 show a trend for more claims or tendency to have larger claims.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Yaris | 94 | 88 | 92 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years