How Much are Car Insurance Quotes for High Risk Drivers in Kansas City?

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Deciding which company quotes the best car insurance rates for high risk drivers may require a bit more work in order to find the best policy. Every insurance provider has a different process for establishing rates, so let's take a look at the car insurance companies with the most affordable rates in Missouri.

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Cheapest insurance companies in Missouri
Rank Company Cost Per Year
1 USAA $662
2 The Hartford $785
3 Electric $867
4 Allied $867
5 Auto-Owners $1,007
6 Travelers $1,038
7 MO Farm Bureau $1,052
8 Farmers $1,117
9 Nationwide $1,142
10 Cameron Mutual $1,202
11 State Farm $1,234
12 American Family $1,279
13 Safeco $1,370
14 Progressive $1,382
15 Shelter $1,404
16 Safe Auto $1,405
17 GEICO $1,406
18 MetLife $1,430
19 California Casualty $1,469
20 Auto Club $1,488
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USAA offers some of the cheapest car insurance rates in Kansas City at around $662 per year. This is $600 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners also make the cut as some of the most economical Kansas City, MO auto insurance companies.

As the rates illustrate above, if you currently have coverage with The Hartford and switched to USAA, you could see a yearly savings of approximately $123. Policyholders with Electric might save as much as $205 a year, and Allied policyholders might lower prices by up to $205 a year.

To find the cheapest rates for your vehicle, click here to start your free quote or click through to the companies below.

Understand that those premiums are averages across all drivers and vehicles in Missouri and do not factor in an exact vehicle garaging location for high risk drivers. So the car insurance company that has the cheapest price for you may not even be in the top 23 companies in the list above. That point stresses why you need to compare as many prices as possible using your own driver information and specific vehicle type.

For high risk drivers, one of the more important considerations that help determine the annual cost of car insurance is the neighborhood you call home. Cities with larger populations tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from having to pay less for coverage.

The table below ranks the most costly cities in Missouri for high risk drivers to buy car insurance in. Kansas City is ranked #6 with an annual cost of $1,245 on average, which is approximately $104 per month.

Car insurance prices in Kansas City
Rank City Average Per Year
1 Saint Louis $1,488
2 Florissant $1,416
3 University City $1,366
4 Raytown $1,303
5 Mehlville $1,259
6 Kansas City $1,245
7 Chesterfield $1,244
8 Wildwood $1,238
9 Independence $1,214
10 Liberty $1,201
11 Ballwin $1,196
12 Kirkwood $1,187
13 Saint Joseph $1,156
14 Lee's Summit $1,146
15 Blue Springs $1,138
16 Joplin $1,138
17 O'Fallon $1,134
18 Springfield $1,119
19 Wentzville $1,101
20 Columbia $1,100
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Premium amounts are estimated as specific Kansas City zip code can lower or raise price quotes greatly.

The type of vehicle on the policy is a significant factor when shopping around for the best cheap auto insurance for high risk drivers. Vehicles with lower performance, excellent safety ratings, or a positive history of liability claims will cost less to insure than higher performance models.

The table below estimates auto insurance premiums for a number of the most cost-effective vehicles to buy coverage for.

Cheapest Vehicles to Insure in Kansas City, MO
Make and Model Estimated Cost for Full Coverage
Ford Escape Limited 2WD $4,080
Honda CR-V EX-L 2WD $4,208
Hyundai Elantra SE Touring Station Wagon $4,299
Toyota Prius $4,527
Ford F-150 STX Super Cab 2WD $4,649
Volkswagen Jetta SE 2.5 Station Wagon $4,714
Honda Odyssey EX W/Rear Entertainment $4,877
Ford Edge SEL AWD $4,915
Chevrolet Impala LS $4,921
Toyota RAV4 2WD $4,925
Jeep Grand Cherokee Laredo 2WD $4,934
Chevrolet Malibu LS $4,925
Ford Fusion S 4-Dr Sedan $4,970
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Above prices assume single male driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in zip code location which can alter auto insurance rates significantly.

Based on these rates, you can conclude that vehicles like the Ford Escape, Honda CR-V, Hyundai Elantra, Toyota Prius, and Ford F-150 are going to be some of the most affordable vehicles to insure for high risk drivers. Car insurance rates will tend to be more expensive anyway because of the fact that there is more claim risk for high risk drivers, but in general those specific models will most likely have the lowest insurance rates that you'll find.

The chart below illustrates how your choice of deductibles can change premium costs when quoting cheap insurance for high risk drivers. The prices are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

In the chart above, a 30-year-old driver could reduce rates by $286 a year by increasing from a $100 deductible up to a $500 deductible, or save $430 by using a $1,000 deductible. Even younger insureds, like the 20-year-old, could reduce their rates $608 every year by selecting a higher deductible. When increasing deductibles, it is necessary to have enough spare savings to be able to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Cost difference between full coverage and liability

Finding the cheapest car insurance is probably important to the majority of drivers, and one of the fastest ways to save on the cost of insurance for high risk drivers is to not buy comprehensive and collision coverage. The diagram below shows the difference between auto insurance costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no other discounts are factored in.

As an average, physical damage insurance costs $1,532 per year more than insuring for liability only. That proposes the question when is the right time to remove full coverage. There is no set rule that is best for determining when to drop physical damage coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let's say your vehicle's replacement cost is $6,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,500 after paying your deductible. If premiums are more than $550 annually for your policy with full coverage, then it's probably a good time to buy liability coverage only.

There are some circumstances where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Why are you paying too much for Kansas City car insurance?

Missouri car insurance rates are impacted by many factors that can increase the price you pay for coverage. Simply having a birthday, moving to a different location, or getting a ticket for running a stop sign can cause premium changes that can now make some companies cheaper in comparison to the competition. And not only may your rating factors change, but companies file new rates every year in order to protect their financial rating. A period of increased losses can result in increased policy costs, while lower claim levels can produce cheaper Kansas City car insurance rates.

For example, the data below analyzes the cheapest car insurance in Kansas City, MO for a 45-year-old male driver with no violations or accidents, and great credit. Based on his personal profile, USAA has the best car insurance rates in Kansas City at $801 annually. This is $461 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Travelers round out the rest of the best Kansas City, MO auto insurance companies.

The next chart shows rates after we give the driver from the above example an accident claim, a little lower credit rating, and a traffic citation. Because each insurer uses their own calculation to determining premium rates, comparing prices most likely will result in a different list of affordable Kansas City car insurance companies as shown below.

MO Farm Bureau now has the best price on car insurance in Kansas City, MO with The Hartford, Farmers, Nationwide, and Allied now being in the top five. This example demonstrates why consumers need to take the time to perform a complete rate comparison to find the most economical auto insurance quotes for high risk drivers.

Insurance prices are calculated by many things and change dramatically, so the best price the last time you shopped your coverage around may now be wasting a lot of money.