What Insurance is Cheapest with Multiple Speeding Tickets in Kansas City?

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.

How much is car insurance in Kansas City?
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
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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.

Cheapest Vehicles to Insure in Kansas City, MO
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
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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

Cheaper Kansas City, MO car insurance after a few driving violationsCar 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.

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

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Liberty Mutual
  5. State Farm
  6. Allstate
  7. Safeco Insurance
  8. Travelers
  9. 21st Century
  10. Nationwide

Top 10 Major Auto Insurance Providers 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