Who Has Affordable Auto Insurance for Low Income Drivers in Kansas City?

For poor drivers, one of the more important components that determine the amount you pay each year for auto insurance is your address. Regions with more people or even just more weather-related claims tend to have more expensive car insurance rates, whereas less populated areas have the luxury of lower rates.

The table below ranks the most expensive cities in Missouri for low income drivers in which to buy car insurance. Kansas City makes the list at #4 costing $1,283 for the average insured, which is approximately $107 monthly.

How much is car insurance in Kansas City?
Rank City Average Per Year
1 Saint Louis $1,474
2 Florissant $1,401
3 University City $1,394
4 Kansas City $1,283
5 Raytown $1,277
6 Mehlville $1,272
7 Chesterfield $1,257
8 Independence $1,251
9 Wildwood $1,238
10 Ballwin $1,208
11 Liberty $1,201
12 Kirkwood $1,199
13 Joplin $1,172
14 Saint Charles $1,140
15 Lee’s Summit $1,135
16 Saint Peters $1,128
17 Blue Springs $1,126
18 Saint Joseph $1,122
19 Wentzville $1,112
20 O’Fallon $1,090
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Premium costs are approximated as the specific geographic location can alter rates greatly.

The vehicle model requiring insurance is probably the largest consideration that determines whether or not you can buy economical auto insurance for low income drivers. Vehicles with economical engines, good crash test ratings, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models.

The list below ranks coverage rates for a selection of the more affordable automobiles to insure in Missouri.

Cheapest Vehicles to Insure in Kansas City, MO
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $1,310
Ford F-150 XLT Super Cab 2WD $1,439
Ford Escape XLS 4WD $1,467
Toyota Camry LE $1,516
Ford Fusion S 4-Dr Sedan $1,525
Toyota RAV4 Limited 2WD $1,516
Nissan Rogue SL 2WD $1,624
Toyota Prius $1,633
Chevrolet Silverado LS Extended Cab 2WD $1,624
Dodge Grand Caravan SE $1,647
Dodge Ram Quad Cab SLT 4WD $1,652
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,724
Toyota Camry Hybrid $1,732
Chevrolet Impala LT $1,740
GMC Sierra SLE Crew Cab 2WD $1,749
Ford Explorer Limited AWD $1,773
Ford Focus SEL 4-Dr Sedan $1,799
Ford Edge SEL AWD $1,822
Honda Odyssey EX-L W/Rear Entertainment $1,829
Hyundai Elantra SE 4-Dr Sedan $1,837
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in specific garaging location which can decrease or increase insurance rates noticeably.

Looking at the data, we can presume that makes and models like the Honda CR-V, Ford F-150, Ford Escape, Toyota Camry, and Ford Fusion are most likely to be the more affordable vehicles to insure for poor drivers.

Best auto insurance in Kansas City

Picking the best insurance company can be challenging considering how many companies there are in Kansas City. The ranking information below may help you select which car insurance providers to look at purchasing a policy from. These ratings only include companies that insure vehicles nationwide, so companies that may only write in Missouri are not included in this list.

Top 10 Major Auto Insurance Companies Overall in Kansas City

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Top 10 Major Auto Insurance Companies in Kansas City Ranked by Customer Satisfaction

  1. USAA – 92%
  2. American Family – 88%
  3. State Farm – 88%
  4. Nationwide – 88%
  5. 21st Century – 88%
  6. The Hartford – 87%
  7. Progressive – 87%
  8. AAA Insurance – 87%
  9. Farmers Insurance – 87%
  10. Liberty Mutual – 87%

The chart below demonstrates how deductibles can increase or decrease insurance prices when searching for cheap insurance for low income drivers. The rate quotes are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

As shown above, a 50-year-old driver could lower their car insurance rates by $260 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $392 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old, could roll back prices $866 or even more just by using higher deductibles. When increasing deductibles, it is important to have additional funds in a savings account to be able to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Auto insurance rates are higher with tickets and accidents

The recommended way to maintain good auto insurance prices for poor drivers is to drive attentively and avoid accidents and traffic citations. The information below shows how traffic citations and accidents can affect car insurance costs for different insured age categories. The rates are based on a married female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

In the previous chart, the average cost of a car insurance policy per year with no accidents or violations is $973. Get written up for one speeding ticket and the average cost surges to $1,133, an increase of $160 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of auto insurance for low income drivers goes up to an average of $2,569. That’s an increase of $1,596, or $133 per month, just for not driving safely!

Why you should be shopping around

Missouri auto insurance rates are influenced by many factors that can increase the cost of having a policy. Simply turning a year older, having a claim, or getting caught speeding may generate price changes that can cause some rates to be more affordable than others. In addition to those changes, car insurance companies modify pricing without warning to adjust for heavy claims or excess profits. An extended period of higher than normal claims may result in high rates, while a lower level of claims can produce cheaper Kansas City car insurance rates.

To illustrate this point, the graph below shows the cheapest car insurance in Kansas City, MO for a 45-year-old female driver with no accidents or violations, and a good credit history. If we compare prices based on her current rating profile, USAA may offer the most affordable car insurance rates in Kansas City at $858 annually. This is $404 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners are the remainder of the cheapest Kansas City, MO auto insurance companies.

Now we will pretend the driver from the first example an accident claim, a little lower credit rating, and a speeding ticket. Since each company has their own unique process to establish rates, comparing rates will most likely result in a different list of the cheapest car insurance companies in Kansas City as shown below.

Travelers now has the cheapest price in Kansas City with Nationwide, Farmers, Electric, and The Hartford completing the list. This example proves why Kansas City drivers need to perform an extensive rate comparison to find the lowest auto insurance rates for low income drivers. Car insurance prices can be determined by many different factors and change dramatically, so the most economical company a year ago may now be wasting a lot of money.

If you have coverage questions and would like to get some help when comparing insurance rates for low income drivers, the agencies below are a good start to provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation. To find an auto insurance agency by location nearest to you, click the button link following the list.

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