Who Has Affordable Kansas City Car Insurance Rates for Handicapped Drivers?

The type of vehicle requiring coverage is probably the most important factor when looking for the best car insurance for handicapped drivers. Vehicles with economical engines, good safety features, or a track record of few liability claims will cost less to insure than fast, unsafe models. The data below showcases auto insurance premiums for a number of the most cost-effective vehicles to insure in Missouri.

Cheapest Vehicles to Insure in Kansas City, MO
Vehicle Insured Estimated Cost for Full Coverage
Jeep Wrangler Rubicon 4WD 2-Dr $1,360
Ford Edge SEL 2WD $1,405
Honda CR-V EX-L 4WD $1,417
Ford Escape Limited 2WD $1,425
Toyota Camry LE $1,432
Ford F-150 Lariat Crew Cab 4WD $1,460
Honda Accord EX-L 4-Dr Sedan $1,502
Hyundai Elantra SE 4-Dr Sedan $1,507
Toyota Prius $1,532
Chevrolet Equinox LTZ AWD $1,535
Toyota RAV4 Limited 4WD $1,639
Jeep Grand Cherokee Laredo 4WD $1,648
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,664
Ford Explorer Limited 4WD $1,669
Dodge Grand Caravan SXT $1,676
Honda Odyssey EX-L $1,724
Toyota Tacoma X-Runner 2WD $1,734
Toyota Corolla S $1,724
Volkswagen Jetta 2.0T Station Wagon $1,739
Chevrolet Malibu Hybrid $1,752
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price estimates do not factor in your specific Kansas City, MO location which can affect premium rates significantly.

Looking at the numbers, you can expect cars like the Jeep Wrangler, Ford Edge, and Honda CR-V are most likely to be some of the most budget-friendly vehicles to insure for drivers with handicaps.

For drivers with handicaps, one of the more important things that are used to help calculate car insurance rates is where you keep your car in Kansas City. Areas with more people or even just a higher incidence of claims will most likely have higher rates, whereas areas with less congestion have the benefit of cheaper auto insurance prices.

The table below sorts the highest-priced areas in Missouri for handicapped drivers in which to purchase auto insurance. Kansas City makes the list at #7 with an annual premium of $1,257 for the average policy, which is approximately $105 each month.

How much is car insurance in Kansas City?
Rank City Premium Per Year
1 Saint Louis $1,488
2 Florissant $1,459
3 University City $1,408
4 Raytown $1,303
5 Independence $1,264
6 Mehlville $1,259
7 Kansas City $1,257
8 Wildwood $1,251
9 Ballwin $1,232
10 Kirkwood $1,223
11 Chesterfield $1,207
12 Blue Springs $1,172
13 Liberty $1,153
14 Lee’s Summit $1,146
15 Joplin $1,138
16 O’Fallon $1,134
17 Saint Joseph $1,122
18 Springfield $1,108
19 Saint Charles $1,107
20 Cape Girardeau $1,105
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Rate quotes are approximated as specific Kansas City zip code can affect coverage prices noticeably.

Rate comparison of full coverage and liability-only

Saving money when shopping for insurance is probably important to most drivers, and one common way to pay less for insurance for handicapped drivers is to buy only liability coverage. The diagram below illustrates the comparison of auto insurance costs with liability coverage only compared to full coverage. The rates are based on no accidents or driving violations, $100 deductibles, single status, and no discounts are taken into consideration.

If we average all the age groups together, physical damage insurance costs $1,532 per year over and above liability coverage. Many drivers will wonder if full coverage is worth the money. There is no exact formula of when to phase out physical damage coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

Get discount Kansas City car insurance

Insurance for drivers with handicaps in Kansas City, MOInsurers that sell policies for handicapped drivers may also give you rate discounts that could potentially reduce rates by as much as 30% if you qualify for them. The best insurance companies and a partial list of their discounts include:

The example below shows the comparison of auto insurance costs with and without discounts applied. The rate quotes are based on a female driver, no accidents or driving violations, Missouri state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, homeowner, multiple vehicle, passive restraint, vehicle safety, and defensive driving course discounts applied. When these discounts are applied, the average savings per year on insurance for handicapped drivers is 28% or $538.

The illustration below demonstrates how choosing different deductibles can increase or decrease insurance premiums when searching for cheap insurance for handicapped drivers. The premium estimates are based on a married female driver, comp and collision included, and no other discounts are factored in.

The chart above illustrates that a 50-year-old driver could lower rates by $182 a year by increasing from a $100 deductible to a $500 deductible, or save $276 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could reduce their rates $454 or more by choosing a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough spare savings to enable you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

How to find budget-friendly car insurance for handicapped drivers

Below you’ll find a few money-saving solutions that can help you find cheap coverage.

The last item on the list is incredibly valuable, as was affirmed in this piece. Insurance prices in Kansas City vary considerably, so drivers shouldn’t be reluctant to change insurance companies if a more affordable price is available. Many drivers prefer to stick with one company, but is isn’t recommended if your bullheadedness ends up costing you a considerable chunk of change every month. It only take a few minutes to compare prices and find cheaper auto insurance for handicapped drivers.