What Insurance is Cheapest for Low Credit Scores in Kansas City?

You have probably watched the catchy advertisements from car insurance companies like Allstate and Liberty Mutual that make claims of huge savings, so you should just choose any of them, right?

Unfortunately, it’s just not that easy, as there are a whole slew of unknown factors like the miles you drive each year, if you have points on your license, and the level of liability coverage you want. This article covers the best ways to maintain low rates and will hopefully give you a good start in finding the cheapest car insurance.

For bad credit, one of the largest factors that aid in calculating the amount you pay each year for auto insurance is where your car is garaged in Kansas City. Areas with more people or higher crime rates likely pay more, whereas areas with less congestion profit from lower rates.

The following table lists the most expensive places in Missouri for low credit scores in which to buy car insurance. Kansas City ranks #5 with an annual cost of $1,245 for car insurance, which is about $104 each month.

How much does car insurance cost in Kansas City, MO?
Rank City Premium Per Year
1 Florissant $1,459
2 Saint Louis $1,430
3 University City $1,408
4 Raytown $1,303
5 Kansas City $1,245
6 Mehlville $1,235
7 Kirkwood $1,235
8 Ballwin $1,232
9 Independence $1,227
10 Chesterfield $1,220
11 Wildwood $1,214
12 Liberty $1,201
13 Blue Springs $1,160
14 Joplin $1,160
15 Wentzville $1,145
16 Lee’s Summit $1,135
17 Saint Joseph $1,122
18 O’Fallon $1,101
19 Saint Charles $1,096
20 Saint Peters $1,095
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Price information shown is comparative as the specific area where the vehicle is garaged can raise or lower premium rates greatly.

Deciphering which companies quote the cheapest insurance rates for low credit scores will involve more time in order to find the lowest price quote. Each auto insurance company uses a little different formula for filing rates in each state, so we’ll go over the lowest cost insurance companies in Kansas City.

Keep in mind that Missouri insurance rates are impacted by many things which can substantially change the price of coverage. Simply having a birthday, having a claim, or getting into an accident can produce rate changes that can make some companies more affordable than competitors.

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Cheapest Missouri auto insurance companies
Rank Company Cost Per Year
1 USAA $668
2 The Hartford $809
3 Electric $849
4 Allied $849
5 Auto-Owners $997
6 Travelers $998
7 MO Farm Bureau $1,052
8 Nationwide $1,142
9 Farmers $1,151
10 Cameron Mutual $1,154
11 State Farm $1,234
12 American Family $1,241
13 Safe Auto $1,363
14 Progressive $1,382
15 Safeco $1,426
16 GEICO $1,434
17 MetLife $1,458
18 Shelter $1,462
19 California Casualty $1,469
20 Auto Club $1,518
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USAA offers some of the best car insurance rates in Kansas City at around $668 each year. The Hartford, Electric, Allied, and Auto-Owners also qualify as some of the lowest-priced Kansas City, MO auto insurance companies.

As depicted above, if you are a policyholder with Allied and switched to USAA, you could earn an annual premium reduction of in the vicinity of $181. Customers with Auto-Owners may save as much as $329 a year, and Travelers customers might lower prices by up to $330 a year.

To see how much you can save, click here to start your custom quote or click through to the companies below.

Remember that these policy prices are averages for all types of drivers and the different vehicles they drive and do not take into consideration a vehicle location for low credit scores. So the company that can offer you the lowest price may not even be in the list above. That underscores the importance of why you need to get auto insurance quotes using your own driver and vehicle profiles.

Discounts on Kansas City auto insurance rates

Save on insurance for bad credit in Kansas CityInsurance providers that offer coverage for low credit scores may also provide price discounts that could lower prices by as much as 35% or more if you can meet the requirements. A list of companies and their offered discounts are detailed below.

The chart below illustrates the difference between auto insurance costs with and without discounts applied to the rates. The data is based on a female driver, a clean driving record, no at-fault accidents, Missouri state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with defensive driving course, anti-theft, claim-free, safe-driver, multiple policy, and marriage discounts applied. With discounts applied, theamount saved on insurance for low credit scores is 28% or $450.

Choosing a high-quality car insurance company is hard considering how many companies there are to choose from in Kansas City. The information shown below could help you decide which companies to look at comparing rates from.

These ratings include large, nationwide insurance companies, so companies that only write business in Missouri or surrounding areas are not included in these rankings. To view rates from these and other top-rated companies, click here.

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

  1. USAA – 92%
  2. American Family – 88%
  3. State Farm – 88%
  4. Nationwide – 88%
  5. 21st Century – 88%
  6. The Hartford – 87%
  7. Progressive – 87%
  8. AAA Insurance – 87%
  9. Farmers Insurance – 87%
  10. Liberty Mutual – 87%

Liability only or full coverage

Reducing premiums for insurance is probably important to most drivers, and an easy way to pay lower rates for insurance for low credit scores is to only pay for liability coverage. The chart below shows the difference between yearly insurance costs with and without physical damage coverage. Data assumes no violations or accidents, $100 deductibles, drivers are not married, and no discounts are applied.

As an average for all age groups, physical damage coverage costs an extra $2,051 per year over liability only. Many people question if you should buy full coverage at all. There is no definitive guideline that is best for determining when to drop physical damage coverage, but there is a general convention. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.

If you aren’t sure which coverage to buy and prefer to have professional advice when shopping for the best coverage for low credit scores, the agents listed below are a good start to help you decide which coverage meets your needs best.

To find an agent near you, click the button following the list.

Daniel Crawford Insurance Agency
1201 NW Briarcliff Pkwy #345Kansas City, MO 64116(816) 390-4790

Antioch Insurance Agency
214 NE Barry RdKansas City, MO 64155(816) 454-0400

Allstate Insurance: Kelly Benbow
221 E Gregory Blvd bKansas City, MO 64114(816) 333-3611

View more Kansas City, MO insurance agencies

Ideas for finding low-cost insurance for low credit scores

The list below summarizes some of the better thrifty suggestions that can help you get cheap coverage.

That last idea is extremely critical, as was discussed in this piece. Coverage rates change frequently, so don’t be hesitant to change insurance companies if a lower price can be found. Loyalty to a specific company is fine, but is isn’t recommended if it’s costing you a considerable chunk of change every month. It takes less than five minutes to shop around to find cheaper car insurance for low credit scores in Kansas City.