The vehicle you are insuring is probably the largest consideration when shopping for low-priced insurance for 4×4 vehicles. Vehicles with higher performance, a lack of safety features, or a history of substantial liability claims will cost substantially more to insure than more modest models. The next table shows auto insurance prices for a selection of the most budget-friendly vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,286 |
| Honda CR-V EX-L 2WD | $1,318 |
| Ford Focus SE 4-Dr Sedan | $1,367 |
| Toyota RAV4 Limited 2WD | $1,394 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,404 |
| Honda Accord EX-L 4-Dr Sedan | $1,401 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,411 |
| Ford F-150 Lariat Super Cab 4WD | $1,421 |
| Chevrolet Malibu LT | $1,430 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,421 |
| Ford Escape Limited 4WD | $1,436 |
| Ford Explorer XLT AWD | $1,443 |
| Toyota Camry XLE | $1,470 |
| Toyota Prius | $1,472 |
| Honda Odyssey EX W/Rear Entertainment | $1,494 |
| Jeep Grand Cherokee Laredo 4WD | $1,526 |
| Chevrolet Impala LT | $1,533 |
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in Kansas City, MO location which can increase or decrease prices significantly.
Looking at the numbers, makes and models like the Hyundai Elantra, Honda CR-V, Ford Focus, Toyota RAV4, and Volkswagen Jetta are most likely to be some of the cheapest vehicles to insure for off-road vehicles.
Locating cost effective insurance is confusing at best, and figuring out which companies have the best insurance rates for 4×4 vehicles involves even more perseverance. Every auto insurer uses slightly different criteria to determine premium rates, so we’ll go over the most competitive insurance companies in Kansas City.
We do need to point out that Kansas City, MO insurance rates are influenced by many factors that can increase the price you pay. This is why Kansas City drivers need to do a thorough rate comparison to get the cheapest auto insurance rates for 4×4 vehicles. Car insurance prices are impacted by many different factors and can change without notice, so the cheapest rate when you bought your policy may now be quite expensive.
Find the Cheapest Auto Insurance for 4×4’s
USAA generally has some of the best car insurance rates in Kansas City at around $662 a year. The Hartford, Electric, Allied, and Auto-Owners also rank well as some of the more affordable Kansas City, MO car insurance companies.
In the above example, if you currently have a policy with Allied and switched to USAA, you could see savings of in the vicinity of $179. Policyholders with Auto-Owners may save as much as $365 a year, and Travelers policyholders might see rate reductions of $366 a year.
It’s important to note that these premium estimates are averages for all ages of drivers and types of vehicles and do not take into consideration an exact vehicle garaging location for 4×4 vehicles. So the car insurance company that can offer you the lowest price may not even be in the top 23 companies in the list above. That points out the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.
For off-road vehicles, one of the big considerations that are used to help calculate the annual cost of car insurance is where you keep your car in Kansas City. Cities with larger populations will most likely have higher rates, whereas areas with less crime or weather claims have the luxury of lower rates.
The information below sorts the most costly cities in Missouri for 4×4 vehicles to purchase auto insurance in. Kansas City is listed at #4 with the yearly price of $1,295 for the average insured, which is approximately $108 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Florissant | $1,444 |
| 2 | Saint Louis | $1,444 |
| 3 | University City | $1,352 |
| 4 | Kansas City | $1,295 |
| 5 | Raytown | $1,264 |
| 6 | Independence | $1,251 |
| 7 | Wildwood | $1,238 |
| 8 | Mehlville | $1,222 |
| 9 | Ballwin | $1,208 |
| 10 | Chesterfield | $1,207 |
| 11 | Kirkwood | $1,199 |
| 12 | Liberty | $1,189 |
| 13 | Lee’s Summit | $1,181 |
| 14 | Blue Springs | $1,172 |
| 15 | Joplin | $1,138 |
| 16 | Saint Joseph | $1,134 |
| 17 | Saint Charles | $1,107 |
| 18 | Wentzville | $1,101 |
| 19 | Cape Girardeau | $1,094 |
| 20 | O’Fallon | $1,090 |
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Rate quotes are estimated as the specific Kansas City residence address can raise or lower coverage rates substantially.
Impact of violations and accidents on rates
The easiest way to earn the cheapest insurance rates in Kansas City for off-road vehicles is to drive cautiously and avoid accidents and keep your driving record clean. The diagram below illustrates how speeding tickets and accidents drive up insurance costs for different ages of insureds. The information is based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of car insurance in Missouri per year with a clean driving record and no accidents is $1,597. Receive one speeding ticket and the average cost rises to $1,835, an increase of $238 each year. Now add two accidents along with the one speeding ticket and the annual cost of insurance for 4×4 vehicles goes up to an average of $3,901. That’s an increase of $2,304, or $192 per month, just for not being a responsible driver!
Finding the highest-rated auto insurance company can be difficult considering how many different companies sell coverage in Missouri. The ranking data in the lists below can help you pick which providers to look at buying from. The ratings below include companies with a national presence, so smaller companies will not be included in this list.
| 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
The illustration below highlights how deductible choice can change insurance costs when trying to find cheap insurance for 4×4 vehicles. The costs are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The chart above illustrates that a 30-year-old driver could lower their car insurance rates by $326 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $490 by choosing a $1,000 deductible. Even younger drivers, like the age 20 example, could possibly save as much as $734 every year just by choosing larger deductibles. When choosing a higher deductible, it is necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense associated with higher deductibles.
The importance of shopping around
Kansas City, MO insurance rates are influenced by many factors that can increase the cost of coverage. Getting older, getting married, or having an accident can trigger price changes resulting in some rates now being much cheaper than others.
In addition to those changes, insurers change their prices as often as every three months in order to be able to pay unexpected claims. Heavy losses can result in more expensive prices, while lower claim expenses can produce lower-priced Kansas City car insurance rates.
To illustrate this example, the bar chart below shows the companies that have the cheapest car insurance in Kansas City, MO for a 30-year-old female driver with no prior accidents, a clean driving record, and a decent credit rating. If we look at prices based on her current situation, USAA might offer the best car insurance rates in Kansas City at $809 a year. This is $453 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers also make the list of the most affordable Kansas City, MO auto insurance companies.
In this example, we will give the driver in the first chart a claim, a little lower credit rating, and a stop sign violation. Since each auto insurer has their own process for setting rates, comparing rates may now show a significantly different list of cheap Kansas City auto 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 proves why consumers need to take the time to shop around when trying to get the lowest auto insurance quotes for 4×4 vehicles. Rates are influenced by many factors and change dramatically, so the cheapest rate the last time you compared rates may now be costing you a lot of money.