For older drivers, one of the big considerations that are looked at to determine auto insurance rates is where you live in Kansas City. Regions with larger populations or more claims tend to have higher auto insurance costs, whereas areas with less crime or weather claims have the luxury of lower rates.
The information below rates the highest-priced places in Missouri for drivers over age 70 to buy auto insurance in. Kansas City makes the list at #4 with the yearly price of $1,295 for the average insurance policy, which is approximately $108 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Saint Louis | $1,474 |
| 2 | Florissant | $1,416 |
| 3 | University City | $1,408 |
| 4 | Kansas City | $1,295 |
| 5 | Raytown | $1,277 |
| 6 | Mehlville | $1,222 |
| 7 | Independence | $1,214 |
| 8 | Wildwood | $1,214 |
| 9 | Chesterfield | $1,207 |
| 10 | Ballwin | $1,196 |
| 11 | Liberty | $1,189 |
| 12 | Kirkwood | $1,187 |
| 13 | Joplin | $1,172 |
| 14 | Blue Springs | $1,160 |
| 15 | Saint Joseph | $1,156 |
| 16 | Lee’s Summit | $1,135 |
| 17 | Saint Charles | $1,129 |
| 18 | Saint Peters | $1,117 |
| 19 | Wentzville | $1,112 |
| 20 | Cape Girardeau | $1,105 |
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Information shown are approximated as specific Kansas City garaging address can change prices substantially.
Deciphering which companies have the lowest-priced car insurance rates for drivers over age 70 takes more time than just comparing rates from one or two companies. Each company has their own guidelines to determine rates, so to begin we’ll rank the car insurance companies with the overall best prices in Kansas City, MO.
It’s a good idea to be aware that Missouri car insurance rates are based on many factors which can substantially change the price you have to pay. Simply turning a year older, having a teen driver, or getting a speeding ticket can trigger changes in premium that can make some companies cheaper than others.
Find Cheaper Auto Insurance for Age 70+
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $662 |
| 2 | The Hartford | $817 |
| 3 | Electric | $841 |
| 4 | Allied | $849 |
| 5 | Auto-Owners | $1,007 |
| 6 | Travelers | $1,008 |
| 7 | MO Farm Bureau | $1,063 |
| 8 | Nationwide | $1,098 |
| 9 | Farmers | $1,139 |
| 10 | Cameron Mutual | $1,202 |
| 11 | State Farm | $1,258 |
| 12 | American Family | $1,279 |
| 13 | Progressive | $1,368 |
| 14 | Safeco | $1,370 |
| 15 | Safe Auto | $1,377 |
| 16 | GEICO | $1,392 |
| 17 | MetLife | $1,415 |
| 18 | Shelter | $1,419 |
| 19 | California Casualty | $1,483 |
| 20 | Auto Club | $1,533 |
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USAA has some of the cheapest car insurance rates in Kansas City at around $662 a year. The Hartford, Electric, Allied, and Auto-Owners also are some of the more affordable Kansas City, MO auto insurance companies.
In this example, if you are a customer of The Hartford and switched to USAA, you may see an annual premium reduction of upwards of $155. Missouri drivers with Electric could save as much as $179 a year, and Allied customers might realize rate reductions of up to $187 a year.
It’s important to note that these policy rates are averages for all types of drivers and the different vehicles they drive and do not factor in a vehicle location for drivers over age 70. So the insurer that can offer the best rates for your situation may not even be in the top 23 companies in the list above. That underscores the importance of why you need to quote rates from many companies using your own personal information and vehicle type.
The vehicle model to be insured is one of the largest factors when comparing quotes for the most economical car insurance for drivers over age 70. Vehicles with more horsepower, poor passenger safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer models.
The next list estimates insurance costs for a number of the most cost-effective automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $988 |
| Ford Escape XLS 2WD | $998 |
| Toyota Prius | $1,088 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,090 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,107 |
| Dodge Grand Caravan CV | $1,117 |
| Toyota Tacoma 2WD | $1,155 |
| Toyota Camry LE | $1,172 |
| Chevrolet Equinox LT 2WD | $1,182 |
| Ford Fusion S 4-Dr Sedan | $1,172 |
| Toyota RAV4 2WD | $1,178 |
| Jeep Grand Cherokee Laredo 2WD | $1,172 |
| Ford F-150 Lariat Crew Cab 2WD | $1,189 |
| Ford Explorer Eddie Bauer AWD | $1,198 |
| Chevrolet Malibu LT | $1,189 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,198 |
| Honda Civic LX-S 4-Dr Sedan | $1,223 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,240 |
| Chevrolet Impala LTZ | $1,246 |
| Ford Edge Limited AWD | $1,240 |
| Toyota Corolla XLE | $1,249 |
| Honda Odyssey EX-L W/Navigation | $1,240 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,257 |
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Data based on married female driver age 70, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in specific zip code location which can alter coverage prices substantially.
Looking at the numbers, you can infer that vehicles like the Honda CR-V, Ford Escape, Toyota Prius, and Chevrolet Silverado will definitely be a few of the less-costly vehicles to insure for older drivers. Prices will tend to be more expensive anyway because there is more liability risk for drivers over age 70, but generally speaking those particular models will most likely have the lowest insurance rates that you’ll find.
Responsible drivers pay cheaper car insurance rates
In a perfect world, the best way to obtain cheap car insurance rates for older drivers is to drive safe and not have accidents or get tickets. The chart below illustrates how traffic citations and accident claims raise auto insurance rates for different age groups. The rate quotes are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,164. Get written up for one speeding ticket and the average cost increases to $1,358, an increase of $194 each year. Then add two accidents along with the one speeding ticket and the annual cost of car insurance for drivers over age 70 increases to an average of $3,180. That’s an increase of $2,016, or $168 per month, just for being a little careless behind the wheel!
Discounts on Kansas City car insurance rates
Insurance companies that offer coverage for drivers over age 70 may additionally offer premium discounts that could reduce prices by 40% or more if you are eligible. The best car insurance companies and the discounts they provide are shown below.
- Farm Bureau policyholders can earn discounts including good student, renewal discount, multi-policy, driver training, and safe driver.
- Liberty Mutual offers discounts for teen driver discount, new move discount, newly married, hybrid vehicle, and safety features.
- State Farm may offer discounts for anti-theft, student away at school, good driver, multiple policy, defensive driving training, and passive restraint.
- Auto-Owners Insurance may have discounts that include anti-theft, mature driver, paperless, company car, paid in full, and air bags.
- GEICO includes discounts for membership and employees, anti-theft, anti-lock brakes, defensive driver, emergency military deployment, and seat belt use.
- SAFECO may include discounts for anti-lock brakes, multi-car, safe driver, teen safety rewards, accident prevention training, bundle discounts, and anti-theft.
The example below illustrates the difference between insurance rates with and without discounts applied to the policy premium. The costs are based on a male driver, no tickets, no at-fault accidents, Missouri state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with claim-free, multiple vehicle, accident-free, vehicle safety, multiple policy, and defensive driving course discounts applied. When taking advantage of discounts, the average savings per year on car insurance for drivers over age 70 is 27% or $386.
How to find more affordable auto insurance for drivers over age 70
Lowering your rates is not difficult, and here are some penny-pinching ideas that can help you buy cheaper coverage.
- Do not waste money insuring older vehicles for full coverage
- Save money by bundling your home and auto policies
- Buy a safer vehicle
- Do not get into accidents
- Try to pay small claims out-of-pocket
- Be a cautious driver
- Compare quotes from other companies often
The last tip in the list is very important, as was affirmed in the prior information. Auto insurance rates adjust frequently, so don’t be unwilling to switch to a new company if a better deal can be had.
Staying with the same car insurance company is fine, but it’s not a great idea if your bullheadedness ends up costing you a small fortune year after year. In less than five minutes you could compare prices to find cheaper auto insurance for drivers over age 70 in Kansas City.
The agents shown below can most likely provide answers to your questions and help you determine which auto insurance policy would work best for you, as some drivers wish to have professional advice when shopping for the best coverage for older drivers. It can be hard to find the cheapest auto insurance company, and getting advice from a licensed Missouri insurance agent can give peace of mind knowing your policy gives you decent coverage if you have a claim.
To find a Kansas City insurance agency close to where you live, click the button following the list.
Francisco Banuelos Insurance
536 Benton Blvd – Kansas City, MO 64124 – (816) 920-5400
Allstate Insurance: Steve Marshall
7000 NW Prairie View Rd Ste 100 – Kansas City, MO 64151 – (816) 587-5200
Joe Janacaro – State Farm Insurance Agent
5555 NW Barry Rd – Kansas City, MO 64154 – (816) 587-8330