Who Has Affordable Auto Insurance Rates for Infrequent Drivers in Kansas City?

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.

How much is car insurance in Kansas City?
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.

Cheapest Vehicles to Insure in Kansas City, MO
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
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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

Save on insurance for low mileage drivers in Kansas CityInsurance 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.

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.

Kansas City, MO Insurance Company 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
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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 AveKansas City, MO 64119(816) 739-8995

Antioch Insurance Agency
214 NE Barry RdKansas City, MO 64155(816) 454-0400

Allen Jones – State Farm Insurance Agent
8900 Wornall RdKansas 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.

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.