This would be a really short article if we could simply tell you the company that has the lowest rates in Missouri. That is not the case, however, as there are a whole bunch of unknown elements like if you have points on your license, the crime level of your neighborhood, if you are married or single, and what coverage limits you want. We will try to cover some of these factors and should give you a good beginning to your quest for cheaper car insurance in Kansas City.
One of the more important things that are looked at to help calculate auto insurance rates is your address in Kansas City. Regions with larger populations or more claims will most likely have higher rates, whereas areas with less congestion have the benefit of cheaper car insurance.
The information below lists the most costly cities in Missouri for infrequent drivers in which to purchase auto insurance. Kansas City ranks #5 costing $1,295 for the average policy, which is approximately $108 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Saint Louis | $1,488 |
| 2 | Florissant | $1,444 |
| 3 | University City | $1,408 |
| 4 | Raytown | $1,316 |
| 5 | Kansas City | $1,295 |
| 6 | Chesterfield | $1,257 |
| 7 | Independence | $1,251 |
| 8 | Wildwood | $1,238 |
| 9 | Mehlville | $1,235 |
| 10 | Kirkwood | $1,223 |
| 11 | Ballwin | $1,208 |
| 12 | Saint Joseph | $1,168 |
| 13 | Liberty | $1,153 |
| 14 | Lee’s Summit | $1,146 |
| 15 | Saint Charles | $1,140 |
| 16 | Blue Springs | $1,138 |
| 17 | Saint Peters | $1,128 |
| 18 | Joplin | $1,126 |
| 19 | Wentzville | $1,112 |
| 20 | Springfield | $1,108 |
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Prices are estimated as vehicle location can influence insurance rates considerably.
The vehicle you are buying coverage for is one of the largest factors when shopping around for economical coverage for infrequent drivers. Vehicles with lots of horsepower, a lack of advanced safety features, or an increased likelihood of liability claims will cost much more to insure than safer models.
The next list shows car insurance rates for the most affordable automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,138 |
| Toyota Prius | $1,260 |
| Hyundai Elantra GLS Touring Station Wagon | $1,306 |
| Volkswagen Jetta S 4-Dr Sedan | $1,347 |
| Ford F-150 FX4 Super Cab 4WD | $1,373 |
| Toyota Corolla LE | $1,417 |
| Nissan Rogue S 2WD | $1,441 |
| Dodge Grand Caravan SE | $1,465 |
| Ford F-350 Super Cab Cabela Package 2WD | $1,468 |
| Honda Accord LX-S 2-Dr Coupe | $1,511 |
| Ford Edge SE AWD | $1,516 |
| Ford Escape Limited 4WD | $1,519 |
| Ford F-250 XL Cabela Package 2WD | $1,538 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,545 |
| Toyota RAV4 Sport 2WD | $1,554 |
| Ford Explorer Limited 2WD | $1,574 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,583 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,574 |
| Chevrolet Malibu LT | $1,582 |
| Chevrolet Impala LS | $1,618 |
| Compare Cheap Rates Go | |
Premium 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, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can impact price quotes significantly.
Based upon the rates shown, we can tell that vehicles like the Honda CR-V, Toyota Prius, and Hyundai Elantra are most likely to be a few of the most economical vehicles to insure for low mileage drivers.
Types of discounts on Kansas City car insurance
Insurance providers that offer coverage for infrequent drivers may also provide price discounts that could potentially reduce rates by 25% or more if you meet specific eligibility requirements. Popular insurance companies and some of the premium reductions they offer are shown below.
- Farm Bureau policyholders can earn discounts including multi-policy, multi-vehicle, youthful driver, 55 and retired, renewal discount, good student, and safe driver.
- State Farm may offer discounts for Steer Clear safe driver discount, Drive Safe & Save, accident-free, safe vehicle, defensive driving training, and multiple policy.
- Progressive offers premium reductions for homeowner, good student, online quote discount, multi-vehicle, multi-policy, and online signing.
- Allstate includes discounts for economy car, safe driver, new car, resident student, and utility vehicle.
- Nationwide has discounts for business or organization, easy pay, defensive driving, multi-policy, accident-free, and anti-theft.
- MetLife offers discounts for good student, multi-policy, claim-free, good driver, and defensive driver.
The illustration below shows the comparison of insurance premiums with and without discounts applied to the policy premium. The data assumes a female driver, no accidents or driving violations, Missouri state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with safe-driver, defensive driving course, anti-theft, multiple vehicle, vehicle safety, and marriage discounts applied. When drivers qualify for the discounts, theaverage amount saved on insurance for infrequent drivers is 28% or $399.
Choosing a high-quality car insurance provider is difficult considering how many choices drivers have in Missouri. The information shown below can help you decide which companies you want to consider comparing prices from. The rankings below only include major nationwide insurance companies, so companies that only write business in Missouri or surrounding areas will not be included in these rankings.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The insurance agencies below are willing to help you make a decision which auto insurance coverages would be the best in your situation, since some drivers aren’t sure which coverage they need and prefer to get help from a professional when trying to find lower insurance rates for low mileage drivers. It can be challenging to find the best rates on your own, so getting professional guidance from a licensed agent can add satisfaction knowing your policy gives you enough coverage if you have a claim.
To locate a Kansas City insurance agent using an interactive map, click the button at the bottom of the list.
SIMONE Insurance Agency, LLC
7138 N Norton Ave – Kansas City, MO 64119 – (816) 739-8995
Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400
Allen Jones – State Farm Insurance Agent
8900 Wornall Rd – Kansas City, MO 64114 – (816) 361-6362
More Kansas City, MO insurance agents
How to find more affordable insurance for infrequent drivers
Lowering your rates is not difficult, and here are some of the recommended penny-pinching ideas that can help you quote cheap coverage.
- Buy a vehicle with excellent safety ratings
- Do not get into accidents
- Save money by insuring your home and auto with the same company
- If possible, pay for small claims out-of-pocket
- Avoid speeding and other traffic citations and pay less
- Shop your coverage around for the best deal
The last suggestion is remarkably vital, as was discussed in the prior information. Prices charged by auto insurers in Kansas City fluctuate constantly, so you should be ready to switch carriers if a lower price can be found.
Having a favorite company is great, but it’s not a good idea if that loyalty results in overpaying lots of money. In less than five minutes you could shop around and find cheaper car insurance for infrequent drivers.