Shopping around for reasonably-priced car insurance is challenging, and deciding which companies quote the cheapest auto insurance rates for immigrants takes even more diligence. Every insurance company uses a slightly different approach for setting rates, so first let’s look at the rankings for the overall cheapest auto insurance companies in Kansas City.
It’s a good idea to know that Missouri auto insurance rates are impacted by many factors which can significantly increase or decrease the price you pay for coverage. This price variability is why it is critical to perform an extensive rate comparison when trying to get the most budget-friendly insurance rates for immigrants. Prices can be determined by many risk factors and can change substantially, so the cheapest rate when you last compared rates may now be one of the higher cost companies.
Best Cheap Insurance Rates for Migrants
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $668 |
| 2 | The Hartford | $793 |
| 3 | Electric | $841 |
| 4 | Allied | $841 |
| 5 | Travelers | $998 |
| 6 | MO Farm Bureau | $1,021 |
| 7 | Auto-Owners | $1,037 |
| 8 | Nationwide | $1,098 |
| 9 | Farmers | $1,117 |
| 10 | Cameron Mutual | $1,190 |
| 11 | State Farm | $1,221 |
| 12 | American Family | $1,253 |
| 13 | Progressive | $1,368 |
| 14 | Safeco | $1,370 |
| 15 | GEICO | $1,392 |
| 16 | Safe Auto | $1,419 |
| 17 | MetLife | $1,430 |
| 18 | Shelter | $1,462 |
| 19 | California Casualty | $1,469 |
| 20 | Auto Club | $1,518 |
| View More Rates Go | ||
USAA may have some of the most affordable car insurance rates in Kansas City at around $668 a year. The Hartford, Electric, Allied, and Travelers also qualify as some of the most economical Kansas City, MO auto insurance companies.
In the above example, if you currently buy coverage from Electric and switched to USAA, you could see a yearly savings of roughly $173. Policyholders with Allied could save as much as $173 a year, and Travelers insureds might reduce rates by $330 a year.
Understand that those premium estimates are averages for all types of insureds and vehicles and and are not figured with a vehicle location for immigrants. So the auto insurance company that fits your age and vehicle best may not even be in the top 23 companies in the list above. That’s why you need to get car insurance quotes using your own driver data and vehicle information.
The car, truck, or SUV that is being insured is a large factor when comparing the most affordable coverage for immigrants. Vehicles with high performance features, poor safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer, lower-performance models. The information below estimates auto insurance rates for some of the most budget-friendly vehicles to insure in Missouri.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 4WD | $1,335 |
| Ford Edge SE 2WD | $1,353 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,381 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,456 |
| Chevrolet Impala LT | $1,462 |
| Honda CR-V LX 4WD | $1,509 |
| Honda Odyssey LX | $1,552 |
| Nissan Rogue SL 2WD | $1,562 |
| Jeep Grand Cherokee SRT-8 4WD | $1,571 |
| Chevrolet Silverado LS Crew Cab 4WD | $1,562 |
| Ford Focus SES 2-Dr Coupe | $1,638 |
| Honda Accord EX-L 4-Dr Sedan | $1,643 |
| Toyota Camry Hybrid | $1,668 |
| Find Cheaper Rates Go | |
Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect premiums substantially.
Based upon the rates shown, we can infer that models like the Ford Escape, Ford Edge, and Jeep Wrangler are likely to be some of the most budget-friendly vehicles to insure for foreigners.
Cost difference between full coverage and liability
Lowering the price of auto insurance should be important to most vehicle owners, and one of the easiest ways to find cheaper insurance for immigrants is to buy only liability coverage. The information below illustrates the difference between insurance premiums with full physical damage coverage and with liability coverage only. The costs are based on no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
If all age groups are averaged, comprehensive and collision coverage on your policy costs an additional $1,518 per year more than just insuring for liability. That is a significant amount which raises the question if buying full coverage is a waste of money. There is no set guideline to eliminate physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your vehicle’s settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after paying your deductible. If you are currently paying more than $500 a year for full coverage, then you might consider buying liability only.
Discounts on Kansas City car insurance rates
Insurers that offer coverage for immigrants may also give you rate discounts that could reduce prices by as much as 30% if you are eligible to receive them. Companies and some of the premium reductions they offer are:
- State Farm has savings for good student, student away at school, driver’s education, Steer Clear safe driver discount, multiple autos, and anti-theft.
- Liberty Mutual offers discounts including teen driver discount, newly retired, good student, multi-car, preferred payment discount, and new move discount.
- American Family may include discounts for good student, Steer into Savings, good driver, mySafetyValet, defensive driver, TimeAway discount, and accident-free.
- Progressive may offer discounts for homeowner, online signing, continuous coverage, online quote discount, good student, multi-policy, and multi-vehicle.
- Farmers Insurance offers discounts for electronic funds transfer, business and professional, alternative fuel, multi-car, homeowner, switch companies, and bundle discounts.
- Auto-Owners Insurance policyholders can earn discounts including safe vehicle, good student, teen driver, paid in full, and company car.
- SAFECO may have discounts that include multi-car, safe driver, teen safety rewards, accident prevention training, bundle discounts, and teen safe driver.
The chart below illustrates the difference between auto insurance rates with and without discounts being applied to the rates. Data assumes a female driver, no claims or violations, Missouri state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with claim-free, safe-driver, accident-free, vehicle safety, marriage, and anti-theft discounts applied. When taking advantage of discounts, theamount saved on auto insurance for immigrants is 28% or $546.
Ideas for finding cheaper insurance for immigrants
The list below summarizes some of the recommended penny-pinching solutions that can help drivers find more affordable car insurance.
- Do not get traffic violations
- Pay less by remaining claim-free
- Buy your homeowners policy from the same company as your auto insurance
- Buy a safer vehicle
- Remain accident-free and save
- Compare prices frequently to find the best deal
That last piece of advice is certainly necessary, as we discussed in this article. Prices change a lot, so you should be ready to change to a new company if a better deal can be had.
Many drivers have brand loyalty and that’s fine, but it’s not recommended if that loyalty results in overpaying major coinage every year. It only takes a couple minutes to compare rates and find cheaper auto insurance for immigrants in Kansas City.