The words “affordable” and “insurance” probably shouldn’t be used together, in particular when you are shopping around for the cheapest car insurance for state employees. In an attempt to save some money, let’s introduce you to a few of the things the can have a considerable influence on auto insurance premiums, and see if you can reduce the price of your next policy.
The car, truck, or SUV needing coverage is probably the largest consideration when shopping around for affordable insurance for state employees. Vehicles with high performance engines, poor safety features, or high incidents of liability claims will cost significantly more to insure than safer models.
The data below illustrates insurance rates for a selection of the cheaper automobiles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,118 |
| Hyundai Elantra SE Touring Station Wagon | $1,211 |
| Ford Edge SE 2WD | $1,226 |
| Toyota Prius | $1,238 |
| Ford Explorer Eddie Bauer 2WD | $1,250 |
| Toyota RAV4 Sport 2WD | $1,319 |
| Jeep Grand Cherokee Laredo 4WD | $1,324 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,346 |
| Dodge Grand Caravan SXT | $1,351 |
| Honda Civic VP 4-Dr Sedan | $1,365 |
| Honda Accord LX-P 4-Dr Sedan | $1,372 |
| Ford Escape XLT 4WD | $1,403 |
| Chevrolet Silverado LT Regular Cab | $1,418 |
| Compare Rates Now Go | |
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Table data does not factor in vehicle location which can raise or lower coverage prices considerably.
By looking at the data, we can conclude that cars like the Honda CR-V, Hyundai Elantra, and Ford Edge will be some of the more affordable vehicles to insure for state workers.
Locating low-priced auto insurance is easier said than done, and finding out which company has the cheapest car insurance rates for state employees will take even more rate comparisons. Each company uses their own formula for determining prices, so to begin we’ll rank the car insurance companies that tend to have lower prices in Kansas City.
It’s important that readers know that Kansas City car insurance rates are impacted by many things which can significantly increase or decrease the cost of having a policy. Taking a driver safety course, adding a teenager to your policy, or getting a DUI may prompt premium changes that can make some companies cheaper than others.
Cheap Insurance Rates in Missouri
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $668 |
| 2 | The Hartford | $793 |
| 3 | Allied | $867 |
| 4 | Electric | $875 |
| 5 | Travelers | $998 |
| 6 | Auto-Owners | $1,007 |
| 7 | MO Farm Bureau | $1,021 |
| 8 | Farmers | $1,105 |
| 9 | Nationwide | $1,131 |
| 10 | Cameron Mutual | $1,154 |
| 11 | American Family | $1,253 |
| 12 | State Farm | $1,271 |
| 13 | Safe Auto | $1,363 |
| 14 | Safeco | $1,370 |
| 15 | Progressive | $1,410 |
| 16 | GEICO | $1,434 |
| 17 | California Casualty | $1,439 |
| 18 | Shelter | $1,447 |
| 19 | MetLife | $1,473 |
| 20 | Auto Club | $1,518 |
| Quote Your Rates Go | ||
USAA generally has some of the lowest car insurance rates in Kansas City at around $668 each year. The Hartford, Allied, Electric, and Travelers also qualify as some of the most economical Kansas City, MO auto insurance companies.
As the example above demonstrates, if you currently have coverage with The Hartford and switched to USAA, you could realize yearly savings of in the neighborhood of $125. Missouri drivers with Allied might save as much as $199 a year, and Electric customers might realize rate reductions of up to $207 a year.
Be aware that those policy rates are averages for all drivers and vehicles in Missouri and do not take into consideration an exact vehicle garaging location for state employees. So the auto insurance company that can offer you the best rate may not even be in the top 23 companies shown above. That helps illustrate why you need to get quotes using your own driver and vehicle profiles.
Get discounts on Kansas City car insurance rates
Auto insurance companies that provide coverage for state employees may have price discounts that may potentially lower prices by 25% or more if you meet specific eligibility requirements. Companies and a summarized list of policyholder discounts are included below.
- State Farm discounts include anti-theft, accident-free, safe vehicle, Steer Clear safe driver discount, Drive Safe & Save, and multiple policy.
- GEICO policyholders can earn discounts including multi-vehicle, seat belt use, daytime running lights, driver training, military active duty, defensive driver, and membership and employees.
- Allstate may include discounts for resident student, anti-theft, premier plus, good payer, and eSmart discount.
- SAFECO may offer discounts for teen safety rewards, anti-lock brakes, multi-car, accident prevention training, drive less, and safe driver.
- Farm Bureau has discounts for good student, 55 and retired, safe driver, multi-vehicle, driver training, and youthful driver.
- Progressive offers premium reductions for homeowner, good student, online signing, multi-policy, continuous coverage, online quote discount, and multi-vehicle.
- AAA offers discounts including anti-theft, AAA membership discount, pay-in-full, good driver, and good student.
The example below compares auto insurance costs with and without discounts. The rates are based on a male driver, no tickets, no at-fault accidents, Missouri state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, defensive driving course, anti-theft, claim-free, vehicle safety, and safe-driver discounts applied. When discounts are applied, theamount saved on car insurance for state employees is 28% or $380.
Which car insurance company is best in Kansas City?
Selecting the best auto insurance company can be a challenge considering how many companies provide coverage in Kansas City. The company information displayed below could help you choose which companies you want to consider when shopping insurance around for state employees. The rankings below include the largest companies in America, so companies that only write business in Missouri or surrounding areas will not be included in this list.
| 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 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to find budget-friendly auto insurance for state employees
Below you’ll find a few penny-pinching suggestions that can help Kansas City drivers get low-cost car insurance.
- Older vehicles may not need full coverage
- Avoid speeding and other traffic citations and pay less
- Maintain a safe distance and avoid accidents
- Discounts for being claim-free can be substantial
- Increase your comprehensive and collision deductibles
- Look for cheaper rates once a year by shopping around
That last idea is notably significant, as was discussed in this piece. Auto insurance prices in Kansas City can be modified anytime, so don’t be hesitant to change to a new company if a cheaper rate is available.
Brand loyalty is great, but it’s not recommended if your bullheadedness ends up costing you a fortune every year. It only take a few minutes to compare prices and find cheaper car insurance for state employees.
If you have coverage questions and would like to have some professional guidance when buying car insurance for state workers, the insurance agencies below can help you decide which auto insurance policy fits you best.
To locate a Kansas City insurance agent nearest to you, click the link after the list or click here to compare price quotes now.
- DeMasters Insurance, LLC
1130 Westport Rd – Kansas City, MO 64111 – (816) 531-1000 - Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400 - Elaine Fry Agency — State Farm®
1310 Carondelet Dr #200 – Kansas City, MO 64114 – (816) 942-7800 - American Family Insurance – Clint Cole Agency Inc.
8301 State Line Rd Ste 112 – Kansas City, MO 64114 – (816) 444-7468 - Nestel Insurance Agency
9233 Ward Pkwy #124 – Kansas City, MO 64114 – (816) 361-6442