How Much are Auto Insurance Quotes for Drivers Over Age 70 in Kansas City?

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.

How much does car insurance cost in Kansas City, MO?
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.

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Missouri auto insurance company rankings
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.

Cheapest Vehicles to Insure in Kansas City, MO
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

Cheaper Kansas City, MO car insurance for older driversInsurance 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.

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.

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 BlvdKansas City, MO 64124(816) 920-5400

Allstate Insurance: Steve Marshall
7000 NW Prairie View Rd Ste 100Kansas City, MO 64151(816) 587-5200

Joe Janacaro – State Farm Insurance Agent
5555 NW Barry RdKansas City, MO 64154(816) 587-8330

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