The words “low-cost” and “insurance” really shouldn’t be used together, especially when trying to find the cheapest car insurance for drivers over age 50. To save some money, let’s start the ball rolling by going over a few of the factors that can significantly affect auto insurance premiums, and see how we can help you take the sting out of your next policy.
Deciding which company offers the lowest-priced insurance rates for drivers over age 50 calls for a bit more work in order to find the most economical policy. Every insurance company has their own unique process to set premium rates, so let’s examine the insurance companies that tend to have lower prices in Kansas City, MO.
Cheapest Insurance Rates for Age 50+
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $668 |
| 2 | The Hartford | $793 |
| 3 | Allied | $841 |
| 4 | Electric | $867 |
| 5 | Auto-Owners | $1,007 |
| 6 | Travelers | $1,028 |
| 7 | MO Farm Bureau | $1,063 |
| 8 | Farmers | $1,117 |
| 9 | Nationwide | $1,142 |
| 10 | Cameron Mutual | $1,166 |
| 11 | State Farm | $1,221 |
| 12 | American Family | $1,241 |
| 13 | Progressive | $1,368 |
| 14 | Safeco | $1,384 |
| 15 | MetLife | $1,415 |
| 16 | Safe Auto | $1,419 |
| 17 | California Casualty | $1,425 |
| 18 | GEICO | $1,434 |
| 19 | Shelter | $1,462 |
| 20 | Encompass | $1,516 |
| View More Rates Go | ||
USAA may offer some of the best car insurance rates in Kansas City at around $668 annually. The Hartford, Allied, Electric, and Auto-Owners also rank well as some of the cheapest Kansas City, MO insurance companies.
As illustrated above, if you currently have coverage with Electric and switched to The Hartford, you could see annual savings of approximately $74. Policyholders with Auto-Owners could save as much as $214 a year, and Travelers policyholders might realize rate reductions of up to $235 a year.
To see if your current coverage is too expensive, click here or visit any of the companies below.
It’s important to note that these policy rates are averaged across all types of insureds and vehicles and do not factor in a specific vehicle garaging location for drivers over age 50. So the company that has the cheapest price for you may not even be in the top 23 companies shown above. That’s why you need to get auto insurance quotes using your own specific driver and vehicle information.
For older drivers, one of the more important things that are looked at to determine car insurance rates is where you normally keep your vehicle. Larger areas likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.
The information below shows the highest-priced places in Missouri for drivers over age 50 to buy auto insurance in. Kansas City makes the list at #6 with a yearly cost of $1,245 on average, which is around $104 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Florissant | $1,459 |
| 2 | Saint Louis | $1,444 |
| 3 | University City | $1,366 |
| 4 | Raytown | $1,316 |
| 5 | Mehlville | $1,259 |
| 6 | Kansas City | $1,245 |
| 7 | Ballwin | $1,232 |
| 8 | Independence | $1,214 |
| 9 | Chesterfield | $1,207 |
| 10 | Wildwood | $1,201 |
| 11 | Kirkwood | $1,187 |
| 12 | Lee’s Summit | $1,170 |
| 13 | Liberty | $1,165 |
| 14 | Wentzville | $1,145 |
| 15 | Saint Charles | $1,140 |
| 16 | Joplin | $1,138 |
| 17 | Saint Peters | $1,128 |
| 18 | Blue Springs | $1,126 |
| 19 | Saint Joseph | $1,122 |
| 20 | Springfield | $1,119 |
| Find Cheaper Rates Go | ||
Rate information is approximated as specific Kansas City zip code can modify price quotes noticeably.
The illustration below highlights how deductible selection can influence insurance costs when trying to find cheap insurance for drivers over age 50. Data assumes a single male driver, comp and collision included, and no discounts are factored in.
The data above shows that a 30-year-old driver could lower rates by $246 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $370 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old example, can cut $718 or even more by choosing a larger deductible amount. When increasing deductibles, it is a good idea to have enough spare savings to offset the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Missouri insurance companies
Picking the top company can be a challenge considering how many companies are available to choose from in Kansas City. The ranking data in the next section could help you analyze which insurers you want to consider putting your business with. The ratings below are only made up of companies with a nationwide focus, so smaller companies will not be included in the list.
Top 10 Major Auto Insurance Companies in Kansas City Ranked by Customer Service
- State Farm
- Nationwide
- Safeco Insurance
- American Family
- Travelers
- Liberty Mutual
- GEICO
- Allstate
- The Hartford
- Farmers Insurance
Top 10 Major Auto Insurance Companies in Kansas City Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- Safeco Insurance
- GEICO
- Esurance
- The General
If you aren’t sure which coverage you need and prefer to get some help when shopping for cheaper insurance for drivers over age 50, the agents below can help you make a decision which policy fits your needs best.
To locate an agency close to where you live, click the button link following the list or click here to compare price quotes.
- InsureOne Insurance Agency
3900 Broadway a – Kansas City, MO 64111 – (816) 287-0873 - Shelter Insurance – John Goodwin
11125 Locust St – Kansas City, MO 64131 – (816) 363-5848 - Northland Independent Insurance Group
5575 NW Barry Rd – Kansas City, MO 64154 – (816) 587-1826 - Chris Jones Insurance Agency
435 Nichols Rd #200 Kansas City, MO 64112 – Kansas City, MO 64112 – (816) 479-0212
Find a Kansas City, MO insurance agent near you
How to find economical car insurance for drivers over age 50
It is possible to find better rates, and here are some thrifty ideas that can help Kansas City drivers buy cheap car insurance.
- Try to remain claim-free
- Drive vehicles with five-star safety ratings
- Older vehicles may not need full coverage
- Serious violations like DUI or reckless driving can increase rates dramatically
- Bundle home and auto and save
- Avoid at-fault accidents and claims
- Compare prices frequently to find the best deal
The last idea is particularly necessary, as we discussed in this article. Prices charged by auto insurers change a lot, so drivers shouldn’t hesitate to buy from a different company if a cheaper price is available. Many drivers have brand loyalty and that’s fine, but it’s not recommended if your bullheadedness ends up costing you hundreds of dollars year after year. Take a couple minutes and compare prices and find cheaper car insurance for drivers over age 50 in Kansas City.