What Auto Insurance is Cheapest for Good Drivers in Kansas City?

For safe drivers, one of the more important criteria that determine auto insurance rates is where your car is garaged in Kansas City. More densely populated places tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.

The illustration below lists the most expensive cities in Missouri for good drivers to purchase auto insurance in. Kansas City is listed at #4 with an annual rate of $1,283 on average, which is approximately $107 monthly.

How much does auto insurance cost in Kansas City?
Rank City Average Per Year
1 Saint Louis $1,474
2 Florissant $1,416
3 University City $1,366
4 Kansas City $1,283
5 Raytown $1,264
6 Independence $1,264
7 Mehlville $1,259
8 Chesterfield $1,257
9 Wildwood $1,214
10 Liberty $1,201
11 Ballwin $1,196
12 Kirkwood $1,187
13 Lee’s Summit $1,181
14 Joplin $1,172
15 Saint Charles $1,140
16 Blue Springs $1,126
17 O’Fallon $1,123
18 Saint Joseph $1,122
19 Saint Peters $1,117
20 Springfield $1,108
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Price information shown is comparative as the garaging address in Kansas City can affect prices substantially.

The vehicle model you are insuring is probably the most important factor when looking for low-priced car insurance for good drivers. Vehicles with limited top-end speed, advanced safety features, or a positive history of liability claims will cost much less to insure than fast, unsafe models.

The information below outlines car insurance prices for the most affordable vehicles to insure in Missouri.

Cheapest Vehicles to Insure in Kansas City, MO
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $1,211
Jeep Wrangler Rubicon 4WD 2-Dr $1,330
Toyota Tacoma 4WD $1,340
Ford Escape XLS 2WD $1,357
Toyota RAV4 Limited 4WD $1,404
Chevrolet Malibu LS $1,412
Dodge Grand Caravan Crew $1,431
Honda Accord LX 4-Dr Sedan $1,454
Hyundai Elantra SE Touring Station Wagon $1,473
Jeep Grand Cherokee Limited 2WD $1,503
GMC Sierra SLT Extended Cab 2WD $1,511
Toyota Prius $1,503
Nissan Rogue S AWD $1,508
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in specific location information which can increase or decrease auto insurance rates greatly.

Based on these rates, cars like the Honda CR-V, Jeep Wrangler, Toyota Tacoma, Ford Escape, and Toyota RAV4 are likely to be a few of the most affordable vehicles to insure for safe drivers.

Finding out which companies quote the cheapest insurance rates for good drivers will require a little more work in order to find the best policy. Each insurer has a unique approach for determining rates in each state, so let’s rank the most budget-friendly insurance companies in Kansas City, MO.

It’s important that you understand Kansas City, MO insurance rates are impacted by many things that control the price of coverage. Improving your credit score, buying a home, or having an at-fault accident can trigger changes in premium that may make certain companies more affordable than the competition.

Best Car Insurance Prices for Good Drivers

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USAA has some of the cheapest car insurance rates in Kansas City at around $642 a year. The Hartford, Electric, Allied, and Auto-Owners are also some of the most economical Kansas City, MO auto insurance companies.

As the rates illustrate above, if you are insured with The Hartford and switched to USAA, you could see an annual savings of in the neighborhood of $143. Drivers with Electric may save as much as $207 a year, and Allied policyholders might see rate reductions of $233 a year.

If you want to see how much you could save, click here to get a free quote or feel free to get quotes from the companies below.

Understand that those estimates are averages across all drivers and vehicles in Missouri and do not factor in an exact vehicle garaging location for good drivers. So the company that can offer you the best price may not even be in the top 23 companies shown above. That underscores the importance of why you need to compare rates from multiple companies using your own driver and vehicle profiles.

Selecting the right auto insurance company is difficult considering how many companies there are in Missouri. The ranking data shown next may help you analyze which auto insurance companies you want to consider when comparing rate quotes.

The ratings below are only comprised of companies that insure vehicles across America, so companies without a large exposure are not factored into this list. If you would like to check rates and find cheaper insurance for good drivers, click here.

Top 10 Major Car Insurance Companies in Kansas City Ranked by Customer Service

  1. State Farm
  2. Nationwide
  3. Safeco Insurance
  4. American Family
  5. Travelers
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. The Hartford
  10. Farmers Insurance

Top 10 Major Car Insurance Companies in Kansas City Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. AAA Insurance
  7. Safeco Insurance
  8. GEICO
  9. Esurance
  10. The General

Insurance rates are higher with tickets and accidents

The common sense way to maintain the cheapest insurance rates in Missouri for safe drivers is to drive safely and maintain a clean driving record. The information below highlights how traffic violations and accident claims impact insurance premiums for each different age group. The data is based on a single male driver, comp and collision included, $100 deductibles, and no discounts are factored in.

In the chart above, the average cost of car insurance in Kansas City per year with a clean driving record and no accidents is $1,532. Get two speeding tickets and the average cost surges to $2,033, an increase of $501 each year. Now include one accident along with the two speeding tickets and the 12-month cost of insurance for good drivers jumps again to an average of $2,532. That’s an increase of $1,000, or $83 per month, just for not driving attentively!

Why you should be shopping around

Missouri insurance rates are determined by lots of factors that will increase or decrease the cost of having a policy. Turning one year older, buying a home instead of renting, or getting a couple of tickets can trigger changes in premium resulting in some rates now being more affordable than others. Not only may your situation change, but car insurance companies file new rates as often as every quarter to reflect underwriting profits or losses. Larger than normal claims can cause rate increases, while a lower level of claims can cause cheaper Kansas City car insurance rates.

To illustrate this example, the graph below analyzes the cheapest car insurance in Kansas City, MO for a 35-year-old female driver with no prior claims, no tickets, and great credit. If we estimate rates based on her current risk profile, USAA offers the cheapest car insurance rates in Kansas City at $793 annually. This is $469 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners are also included in the cheapest Kansas City, MO auto insurance companies.

The chart below compares rates after we give the driver from the first set of rates an at-fault accident, a lower credit rating, and an imperfect driving record. Because each insurer has a different formula to set premium rates, comparing quotes could now result in a significantly different list of cheap Kansas City auto insurance companies as shown below.

MO Farm Bureau now has the best auto insurance rate in Kansas City, MO with Nationwide, The Hartford, Farmers, and Cameron Mutual also being competitive. This shows why it is crucial to do a thorough rate comparison when trying to get the most affordable car insurance quotes for good drivers.

Insurance prices are calculated by many factors and change dramatically, so the most economical option two years ago may now be costing you a lot of money.

How to find budget-friendly auto insurance for good drivers

The list below shows a few thrifty suggestions that can help you locate lower-cost car insurance.

The last idea is particularly vital, as was pointed out in the article above. Coverage prices change constantly, so don’t be afraid to switch to a new company if a better rate can be found. Many consumers stick with the same company and that’s fine, but it isn’t a good idea if it’s costing you a fortune every year. If you have a few minutes, now is a great time to compare prices to find cheaper auto insurance for good drivers in Kansas City.

If you aren’t sure which coverage you need and prefer to have the advice of a professional agent when trying to find lower insurance rates for good drivers, the agencies below are willing to aid you in deciding which coverage meets your needs best.

To locate a Kansas City auto insurance agent closest to you, click the button link following the list.

Francisco Banuelos Insurance
536 Benton BlvdKansas City, MO 64124(816) 920-5400

Irvin Pete – State Farm Insurance Agent
4450 Belleview AveKansas City, MO 64111(816) 216-1033

Beverly Baker Insurance Agency Inc.
8708 N Oak TrafficwayKansas City, MO 64155(816) 452-8600

George Lounds – State Farm Insurance Agent
550 E 99th StKansas City, MO 64131(816) 941-0055

American Family Insurance – Dewey Osborn
6405 N Oak TrafficwayKansas City, MO 64118(816) 436-7300

View map of Kansas City, MO insurance agents