Who Has Affordable Car Insurance for State Employees in Kansas City?

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.

Cheapest Vehicles to Insure in Kansas City, MO
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
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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

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Cheapest Missouri auto insurance companies
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
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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

Save on car insurance for state workers in Kansas CityAuto 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.

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.

Top Car Insurance Companies for State Employees in Missouri
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
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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.

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.

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