One of the more important considerations that are looked at to help calculate car insurance rates is where your car is garaged in Kansas City. Areas with high crime rates or more dense population tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.
The next table shows the most expensive cities in Missouri for drivers requiring a SR22 to purchase auto insurance in. Kansas City shows up at #5 with an annual cost of $1,245 for the average policyholder, which is approximately $104 monthly.
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Prices are estimated as vehicle location can influence rates substantially.
The type of vehicle you are trying to insure is probably the most important factor that determines whether or not you find the most affordable insurance for drivers requiring a SR22. Vehicles with lots of speed or power, poor passenger safety features, or a history of substantial liability claims will cost much more to insure than safer models. The list below presents coverage prices for the most economical vehicles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$1,368|
|Ford Escape XLS 4WD||$1,377|
|Honda CR-V EX-L 2WD||$1,448|
|Ford Focus SE 4-Dr Sedan||$1,451|
|Toyota RAV4 4WD||$1,479|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,499|
|Ford Explorer XLT AWD||$1,529|
|Hyundai Elantra GLS 4-Dr Sedan||$1,557|
|Nissan Rogue S 2WD||$1,584|
|Jeep Grand Cherokee SRT-8 4WD||$1,587|
|Ford Edge SE AWD||$1,597|
|Chevrolet Malibu LTZ||$1,587|
|Ford F-150 XL Super Cab 4WD||$1,592|
|Toyota Tacoma 4WD||$1,600|
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can alter rates noticeably.
Based on these rates, you can see that models like the Honda Accord, Ford Escape, Toyota Prius, Honda CR-V, and Ford Focus are likely to be a few of the less-costly vehicles to insure for high risk drivers.
The illustration below shows how choosing a deductible can impact insurance rates when researching cheap insurance for drivers requiring a SR22. The data is based on a single female driver, comp and collision included, and no discounts are applied to the premium.
As shown above, a 30-year-old driver could lower their car insurance rates by $240 a year by switching from a $100 deductible up to a $500 deductible, or save $364 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could save up to $536 or even more by choosing larger deductibles on their policy. If you do make the decision to raise your deductibles, it is essential to have enough in a savings account to offset the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Irresponsible driving raises your rates
The obvious way to score low auto insurance premiums for high risk drivers is to be an attentive driver and not have accidents or get tickets. The diagram below demonstrates how citations and at-fault claims can influence yearly insurance costs for different age categories. The premium estimates are based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
In the chart above, the average cost of auto insurance in Missouri per year with no accidents and a clean driving record is $1,782. Factor in two speeding tickets and the average cost jumps to $2,466, an increase of $683 each year. Next add one accident along with the two speeding tickets and the annual cost of auto insurance for drivers requiring a SR22 goes up to an average of $3,159. That’s an increase of $1,377, or $115 per month, just for not driving carefully!
How to find low-cost car insurance for drivers requiring a SR22
It is possible to find better rates, and here are many money-saving solutions that can help drivers locate lower-cost auto insurance.
- Multi-policy discounts save money
- Assess whether full coverage is needed
- Do not get into accidents that are your fault
- Safer vehicles generally have cheaper insurance rates
- Having too many claims will increase rates substantially
- Maintain a clean driving record
- Shop around for cheaper prices often
That last tip is remarkably crucial, as we noted in the prior article. Prices charged by companies in Kansas City can be modified anytime, so don’t hesitate to switch companies if a cheaper price is available.
Having brand loyalty is commendable, but we do not recommend it if that devotion results in you overpaying potentially thousands of dollars a year. Spend a few minutes and shop around and find cheaper insurance for drivers requiring a SR22.