Who Has Affordable Car Insurance Rates for Drivers with Accidents in Kansas City?

For drivers with at-fault accidents, one of the largest components that help determine the cost of insurance is where you keep your car in Kansas City. More populated areas will most likely have higher rates, whereas areas that tend to be more rural tend to receive cheaper rates.

The illustration below ranks the highest-priced areas in Missouri for drivers with accidents to purchase auto insurance in. Kansas City comes in at #4 with the annual price of $1,295 for the average policy, which is about $108 each month.

How much is auto insurance in Kansas City, MO?
Rank City Annual Premium
1 Saint Louis $1,430
2 Florissant $1,401
3 University City $1,394
4 Kansas City $1,295
5 Raytown $1,277
6 Chesterfield $1,257
7 Ballwin $1,244
8 Mehlville $1,235
9 Wildwood $1,214
10 Independence $1,214
11 Liberty $1,201
12 Kirkwood $1,187
13 Blue Springs $1,160
14 Joplin $1,160
15 Saint Joseph $1,156
16 Lee’s Summit $1,146
17 O’Fallon $1,123
18 Springfield $1,119
19 Wentzville $1,112
20 Saint Charles $1,096
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Premium amounts are approximated as the specific geographic location can revise coverage prices considerably.

Finding dependable, low-priced insurance is tough enough, and finding out which companies have the most affordable insurance rates for drivers with accidents will involve even more perseverance. Every car insurance company uses their own method for determining prices, so we need to take a look at the insurance companies with the most affordable rates in Kansas City.

It’s important that readers know that Missouri insurance rates are determined by lots of factors which can significantly increase or decrease the price you pay. This price fluctuation is why it is critical to perform a complete rate comparison to get the most affordable auto insurance rates for drivers with accidents. Prices are made up of many risk factors and change substantially, so the best company six months ago may now be quite expensive.

Best Insurance Companies for Accident Prone Drivers

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Cheapest Missouri car insurance ranked by price
Rank Company Cost Per Year
1 USAA $662
2 The Hartford $785
3 Allied $849
4 Electric $875
5 Travelers $998
6 Auto-Owners $1,007
7 MO Farm Bureau $1,021
8 Farmers $1,139
9 Nationwide $1,142
10 Cameron Mutual $1,154
11 State Farm $1,221
12 American Family $1,279
13 Safe Auto $1,363
14 GEICO $1,392
15 Shelter $1,404
16 Safeco $1,412
17 Progressive $1,424
18 California Casualty $1,469
19 MetLife $1,473
20 Auto Club $1,488
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USAA offers some of the cheapest car insurance rates in Kansas City at around $662 per year. This is $600 less than the average price paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers would also make the list of some of the best Kansas City, MO insurance companies.

As depicted above, if you currently have coverage with Electric and switched to The Hartford, you could realize an annual savings of around $90. Missouri drivers with Travelers might save as much as $213 a year, and Auto-Owners customers might lower prices by $222 a year.

Remember that these prices are averages for all types of drivers and the different vehicles they drive and and are not figured with an exact location for drivers with accidents. So the company that is best suited for you may not even be in the top 23 companies in the list above. That emphasizes why you need to compare as many prices as possible using your own driver information and specific vehicle type.

How careless driving impacts Kansas City insurance rates

One of the best ways to receive good insurance rates in Kansas City for drivers with at-fault accidents is to be an attentive driver and avoid accidents and violations. The chart below highlights how traffic violations and at-fault claims can raise insurance costs for each different age category. The rate quotes are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

The data in the chart shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $936. Get written up for one speeding ticket and the average cost rises to $1,092, an increase of $156 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of insurance for drivers with accidents jumps again to an average of $1,521. That’s an increase of $585, or $49 per month, just for being a careless driver!

Full coverage rates vs. liability-only in Kansas City

Saving on insurance is important to the majority of drivers, and one good way to lower the cost of insurance for drivers with accidents is to not insure for full coverage. The example below illustrates the comparison of annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.

If we average the cost for ages 20 through 70, physical damage coverage costs an extra $1,498 per year more than insuring for liability only. At some point, every insured wonders if full coverage is worth the money. There is no definitive formula for phasing out physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

Why you should be shopping around

Kansas City, MO insurance rates are determined by lots of factors which can substantially change the price of your policy. Simply turning a year older, buying a different home, or getting into an accident may cause policy rate changes resulting in some companies being cheaper in comparison to the competition. In addition, insurance companies change prices as often as every three months as an adjustment for underwriting gains or losses. Significantly higher claims can result in price increases, while lower claim expenses may produce more affordable Kansas City car insurance rates.

As an example, the data below shows rates for the cheapest car insurance in Kansas City, MO for a 35-year-old female driver with no prior claims, no tickets, and a high credit rating. If we look at prices based on her current situation, USAA might offer the best car insurance rates in Kansas City at $825 per year. This is $437 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners round out the rest of the top five cheapest Kansas City, MO auto insurance companies.

Let’s now give the driver from the first rate comparison a claim surcharge, a lower credit score, and a stop sign violation. Because each company has a different formula for setting rates, comparing rates could result in a significantly different list of affordable Kansas City car insurance companies as shown below.

MO Farm Bureau now has the best auto insurance rate in Kansas City, MO with The Hartford, Farmers, Nationwide, and Cameron Mutual completing the list. This example shows why it is crucial to compare many different companies to find the cheapest insurance rates for drivers with accidents.

Prices are determined by many things and can change without notice, so the lowest-price company the last time you shopped around may now be costing you a lot of money.