It would sure make life easier if we could tell you the one auto insurance company that has the cheapest rate quotes in Missouri. It’s just not that easy, however, as there are a whole bunch of unknown factors like if you want the added protection of full coverage, the vehicle you drive, and how old you are. We know insurance is not everyone’s favorite topic, but in this article we will cover these topics and hopefully give you enough understanding to have a solid foundation to find cheaper car insurance in Kansas City.
After a few driving violations, one of the largest factors that determine auto insurance rates is where you keep your car in Kansas City. Cities with more crime and/or more people are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The following table lists the most expensive areas in Missouri with multiple speeding tickets to purchase car insurance in. Kansas City shows up at #5 with the yearly price of $1,295 for coverage, which is approximately $108 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Saint Louis | $1,444 |
| 2 | Florissant | $1,416 |
| 3 | University City | $1,408 |
| 4 | Raytown | $1,316 |
| 5 | Kansas City | $1,295 |
| 6 | Mehlville | $1,272 |
| 7 | Independence | $1,264 |
| 8 | Wildwood | $1,251 |
| 9 | Chesterfield | $1,207 |
| 10 | Ballwin | $1,196 |
| 11 | Kirkwood | $1,187 |
| 12 | Lee’s Summit | $1,181 |
| 13 | Saint Joseph | $1,168 |
| 14 | Liberty | $1,165 |
| 15 | Wentzville | $1,145 |
| 16 | Joplin | $1,138 |
| 17 | Blue Springs | $1,138 |
| 18 | Springfield | $1,119 |
| 19 | Saint Charles | $1,107 |
| 20 | O’Fallon | $1,101 |
| Quote Best Rates Go | ||
Rate information is approximated as the specific area where the vehicle is garaged can influence prices substantially.
The type of vehicle you are trying to insure is a significant factor when trying to find cheap insurance with multiple speeding tickets. Vehicles with lots of horsepower, a lack of safety features, or an increased likelihood of liability claims will cost much more to insure than more modest models.
The list below outlines car insurance premiums for a selection of the more affordable automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 4WD | $1,912 |
| Toyota Prius | $1,953 |
| Ford Explorer XLT 4WD | $1,970 |
| Honda Accord EX 4-Dr Sedan | $2,043 |
| Honda Odyssey EX | $2,051 |
| Honda CR-V EX 4WD | $2,091 |
| Dodge Grand Caravan Crew | $2,124 |
| Ford Edge SE 2WD | $2,134 |
| Nissan Rogue S 2WD | $2,235 |
| Chevrolet Equinox LTZ AWD | $2,240 |
| GMC Sierra SLE Regular Cab 4WD | $2,250 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $2,240 |
| Ford F-150 STX Regular Cab 2WD | $2,242 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $2,280 |
| Ford Focus SES 4-Dr Sedan | $2,383 |
| Get a Custom Quote Go | |
Data based on single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, and homeowner. Prices do not factor in specific zip code location which can raise or lower coverage rates noticeably.
Looking at the rates, we can presume that models like the Ford Escape, Toyota Prius, and Ford Explorer are likely to be a few of the less-costly vehicles to insure after a few driving violations.
Discounts on Kansas City car insurance rates
Car insurance companies that provide coverage with multiple speeding tickets may also give you price discounts that can lower rates by as much as 40% or more if you qualify for them. A list of car insurance companies and a selection of discounts are outlined below.
- State Farm includes discounts for safe vehicle, anti-theft, passive restraint, multiple policy, and defensive driving training.
- GEICO offers discounts for daytime running lights, seat belt use, military active duty, anti-lock brakes, five-year accident-free, and membership and employees.
- Liberty Mutual may have discounts that include hybrid vehicle, new move discount, good student, new vehicle discount, new graduate, multi-car, and multi-policy.
- The Hartford offers discounts including air bag, anti-theft, driver training, good student, vehicle fuel type, and defensive driver.
- MetLife policyholders can earn discounts including claim-free, multi-policy, accident-free, good student, defensive driver, and good driver.
- Progressive may include discounts for good student, multi-policy, online signing, continuous coverage, and homeowner.
The diagram below shows the comparison of insurance premiums with and without discounts applied to the premium. The rates are based on a male driver, three speeding tickets and no 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 lower bar shows the rates with vehicle safety, continuous coverage, anti-theft, multiple policy, paperless filing, and passive restraint discounts applied. When taking advantage of discounts, theaverage yearly reduction on car insurance with multiple speeding tickets is 28% or $522.
Impact of speeding/accidents on car insurance rates
The ideal way to enjoy the best car insurance prices in Kansas City after a few driving violations is to be a cautious driver and avoid accidents and keep your driving record clean. The information below demonstrates how traffic citations and at-fault fender-benders drive up auto insurance costs for different categories of driver ages. The costs are based on a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of auto insurance per year with no violations or accidents is $1,202. Factor in one speeding ticket and the average cost surges to $1,362, an increase of $160 each year. Then throw in two accidents along with the one speeding ticket and the 12-month cost of car insurance with multiple speeding tickets increases to an average of $2,798. That’s an increase of $1,596, or $133 per month, just for being a careless driver!
Car insurance company ratings
Picking a highly-rated car insurance company is difficult considering how many companies sell coverage in Missouri. The company rank data shown below can help you select which auto insurance companies you want to consider when comparing insurance rates with multiple speeding tickets.
The ratings below are for large insurance companies, so companies that may only write in Missouri are not factored into the list. To compare prices and find cheaper insurance with multiple speeding tickets, click this link.
Top 10 Major Auto Insurance Providers in Kansas City Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Liberty Mutual
- State Farm
- Allstate
- Safeco Insurance
- Travelers
- 21st Century
- Nationwide
Top 10 Major Auto Insurance Providers in Kansas City Ranked by Customer Service
- State Farm
- Nationwide
- Safeco Insurance
- American Family
- Travelers
- Liberty Mutual
- GEICO
- Allstate
- The Hartford
- Farmers Insurance