What Insurance is Cheapest for Drivers with a Bad Driving Record in Kansas City?

One of the many criteria that help determine the price you pay for insurance is where your car is garaged in Kansas City. Areas with more people or higher crime rates tend to have more expensive auto insurance rates, whereas more rural areas benefit from lower prices.

The illustration below shows the most expensive areas in Missouri for drivers with a bad driving record to purchase auto insurance in. Kansas City is ranked at #6 with an annual cost of $1,245 for car insurance, which is about $104 monthly.

How much does car insurance cost in Kansas City, MO?
Rank City Average Per Year
1 Florissant $1,444
2 Saint Louis $1,430
3 University City $1,352
4 Raytown $1,303
5 Independence $1,251
6 Kansas City $1,245
7 Ballwin $1,244
8 Mehlville $1,222
9 Chesterfield $1,220
10 Wildwood $1,201
11 Liberty $1,189
12 Kirkwood $1,187
13 Blue Springs $1,172
14 Lee’s Summit $1,170
15 Joplin $1,138
16 O’Fallon $1,134
17 Saint Joseph $1,122
18 Wentzville $1,112
19 Saint Charles $1,107
20 Cape Girardeau $1,094
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Price information shown is comparative as the specific Kansas City residence address can increase or decrease auto insurance rates significantly.

The type of vehicle on the policy is one of the largest factors when looking for the most affordable insurance for drivers with a bad driving record. Vehicles with high performance engines, a lack of advanced safety features, or a history of substantial liability claims will cost much more to insure than more economical and safe models.

The next table ranks insurance rates for a handful of the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure in Kansas City, MO
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 2WD $4,319
Honda CR-V EX 4WD $4,426
Toyota Prius $4,659
Ford Explorer XLT AWD $4,881
Toyota Tacoma 4WD $4,889
Chevrolet Impala LS $4,916
Toyota Camry LE $4,964
Volkswagen Jetta S 4-Dr Sedan $4,972
GMC Sierra SL Extended Cab 2WD $5,118
Toyota RAV4 Sport 4WD $5,127
Chevrolet Malibu Hybrid $5,170
Dodge Grand Caravan SXT $5,180
Ford Edge Limited AWD $5,192
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Prices based on single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in vehicle garaging location which can impact insurance rates greatly.

Based on these rates, makes and models like the Ford Escape, Honda CR-V, Toyota Prius, and Ford Explorer will be a few of the most economical vehicles to insure for bad drivers. Prices will be more costly because there is more risk for drivers with a bad driving record, but in general those specific models will most likely have the lowest insurance prices compared to other vehicles.

Difference between liability only and full coverage rates

Reducing premiums for car insurance should be important to the majority of vehicle owners, and an effective way to find cheap insurance for drivers with a bad driving record is to only buy liability coverage. The chart below illustrates the comparison of insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are factored in.

As an average, physical damage insurance costs an additional $1,498 per year over liability only. At some point, every insured wonders when is the right time to remove full coverage. There is no clear-cut formula to drop full coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s assume your vehicle’s replacement value is $5,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,500 after you pay the deductible. If you are paying more than $450 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Safe drivers pay less for car insurance

In a perfect world, the ideal way to find the most affordable car insurance prices in Kansas City for bad drivers is to be an attentive driver and not have accidents or get tickets. The diagram below shows how speeding tickets and at-fault accidents can drive up insurance premiums for each age group. The premiums assume a married female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

In the example above, the average cost of car insurance in Missouri per year with a clean driving record and no accidents is $1,145. Add in two speeding tickets and the average cost jumps to $1,617, an increase of $471 each year. Then add one accident along with the two speeding tickets and the annual cost of car insurance for drivers with a bad driving record goes up to an average of $2,108. That’s an increase of $962, or $80 per month, just for not being more responsible behind the wheel!

Ratings for Missouri car insurance companies

Buying coverage from a high-quality auto insurance company can be rather challenging considering how many different insurance companies sell coverage in Kansas City. The ranking data in the lists below could help you decide which coverage providers to look at when insurance shopping for drivers with a bad driving record. The ratings below are for major nationwide insurance companies, so companies that only write business in Missouri or surrounding areas are not taken into consideration for these rankings.

Kansas City, MO Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies