Who Has Cheap Car Insurance for Homeowners in Kansas City?

One of the many considerations that aid in calculating the amount you pay each year for auto insurance is the neighborhood you call home. More populated areas tend to have higher rates, whereas areas that tend to be more rural profit from lower rates.

The information below shows the most expensive cities in Missouri for homeowners to buy auto insurance in. Kansas City is listed at #5 with a yearly cost of $1,257 for the average policy, which is around $105 per month.

How much does car insurance cost in Kansas City, MO?
Rank City Annual Premium
1 Saint Louis $1,430
2 Florissant $1,416
3 University City $1,352
4 Raytown $1,316
5 Kansas City $1,257
6 Independence $1,251
7 Ballwin $1,244
8 Mehlville $1,222
9 Chesterfield $1,220
10 Wildwood $1,214
11 Kirkwood $1,199
12 Liberty $1,165
13 Joplin $1,160
14 Lee’s Summit $1,146
15 Wentzville $1,145
16 Blue Springs $1,138
17 Saint Joseph $1,134
18 O’Fallon $1,134
19 Saint Charles $1,129
20 Springfield $1,086
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Price information shown is comparative as the specific area where the vehicle is garaged can revise coverage prices greatly.

Deciphering which companies offer the cheapest car insurance rates for homeowners takes a little more effort in order to find the lowest price.

Each insurance company has their own guidelines to determine rates, so we will examine the car insurance companies with the overall best prices in Kansas City.

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Cheapest auto insurance in Missouri ranked by cost per year
Rank Company Cost Per Year
1 USAA $642
2 The Hartford $793
3 Allied $841
4 Electric $849
5 Auto-Owners $997
6 Travelers $1,008
7 MO Farm Bureau $1,063
8 Nationwide $1,098
9 Farmers $1,151
10 Cameron Mutual $1,190
11 State Farm $1,221
12 American Family $1,279
13 Safe Auto $1,363
14 Progressive $1,368
15 Safeco $1,384
16 Shelter $1,404
17 GEICO $1,448
18 MetLife $1,473
19 California Casualty $1,483
20 Auto Club $1,488
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USAA may have some of the best car insurance rates in Kansas City at around $642 annually. This is $620 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners also rank well as some of the lowest-priced Kansas City, MO auto insurance companies.

As illustrated above, if you currently buy coverage from Electric and switched to USAA, you might achieve a yearly price reduction of upwards of $207. Missouri drivers with Auto-Owners could save as much as $355 a year, and Travelers insureds might realize rate reductions of up to $366 a year.

Bear in mind that those prices are averages across all ages of drivers and types of vehicles and are not factoring in an exact location for homeowners. So the auto insurance company that fits your needs best may not even be in the top 23 companies in the list above. That point stresses why you need to get rate quotes using your own individual information.

The vehicle to be insured is one of the primary factors when quoting the most affordable auto insurance for homeowners. Vehicles with high performance engines, a lack of advanced safety features, or a track record of large liability claims will cost significantly more to insure than safer models. The next list estimates car insurance premiums for the cheaper automobiles to insure.

Cheapest Vehicles to Insure in Kansas City, MO
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 4WD $1,310
Honda CR-V EX 4WD $1,498
Toyota RAV4 Sport 2WD $1,516
Nissan Altima 2.5 4-Dr Sedan $1,523
Ford Explorer Eddie Bauer AWD $1,544
Toyota Corolla XLE $1,596
Honda Odyssey LX $1,616
Toyota Prius $1,624
Volkswagen Jetta 2.0T 4-Dr Sedan $1,631
Dodge Grand Caravan CV $1,647
Honda Civic DX 4-Dr Sedan $1,709
Toyota Camry Hybrid $1,732
Hyundai Sonata Limited 4-Dr Sedan $1,740
Kia Optima SX $1,732
Toyota Camry LE $1,740
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $1,763
Ford F-150 XLT Super Cab 4WD $1,799
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in vehicle garaging location which can influence rates noticeably.

Based upon the rates shown, we can expect models like the Ford Escape, Honda CR-V, and Toyota RAV4 will definitely be a few of the less-costly vehicles to insure for people who own their homes.

How accidents and tickets impact rates

A great way to obtain the best car insurance rates in Missouri for people who own their homes is to be an attentive driver and avoid tickets and accidents. The illustration below illustrates how violations and at-fault fender-benders can drive up car insurance costs for different insured age categories. The prices are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

The data in the chart shows the average cost of car insurance in Kansas City per year with no accidents and a clean driving record is $1,313. Add in one speeding ticket and the average cost increases to $1,531, an increase of $218 each year. Then add one accident along with the one speeding ticket and the 12-month cost of car insurance for homeowners increases to an average of $2,137. That’s an increase of $824, or $69 per month, just for not keeping your driving record clean!

Get discount Kansas City auto insurance

Car insurance for people who own their homes in Kansas City, MOInsurance providers that offer coverage for homeowners may also give you special discounts that could lower prices by as much as 40% or more if you are eligible for them. Larger car insurance companies and the discounts they provide are detailed below.

The diagram below compares insurance costs with and without discounts being applied to the rates. The prices are based on a female driver, no accidents, no driving violations, Missouri state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, vehicle safety, multiple policy, multiple vehicle, defensive driving course, and safe-driver discounts applied. When discounts are factored in, theamount saved on car insurance for homeowners is 28% or $361.

Cost difference between full coverage and liability

Paying less for car insurance is important to most drivers, and an easy way to buy cheaper insurance for homeowners is to buy only liability coverage. The illustration below illustrates the comparison of yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no claims or violations, $250 deductibles, single marital status, and no discounts are factored in.

If averaged out across all ages, comp and collision coverage costs an extra $1,405 per year over liability only. A very common question is if buying full coverage is a waste of money. There is no clear-cut formula of when to stop paying for physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

There are some conditions where only buying liability is not a good idea. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not drop full coverage.

Don’t stick with an overpriced policy

Kansas City car insurance rates are impacted by many things that will increase or decrease the price of your policy. Getting older, buying a different home, or getting a driving violation can trigger price changes that can now make some companies more affordable than competitors.

In addition to those changes, companies file new Missouri car insurance rates as needed as an adjustment for underwriting gains or losses. Unexpectedly high claims may cause rate increases, while less frequent claims can cause cheaper Kansas City car insurance rates.

For example, the chart below shows the companies that have the cheapest car insurance in Kansas City, MO for a 30-year-old male driver with no accidents or violations, and a good credit rating. When quoting prices based on his current risk factors, USAA has the lowest car insurance rates in Kansas City at $833 each year. This is $429 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners are the rest of the top five cheapest Kansas City, MO auto insurance companies.

The example below compares rates after we give the driver from above a claim surcharge, a little lower credit rating, and a few traffic violations. Since each auto insurer has a different formula for filing rates in each state, comparing insurance quotes may now result in a substantially altered list of the cheapest Kansas City car insurance companies as shown below.

MO Farm Bureau now has the cheapest auto insurance in Kansas City with Nationwide, Farmers, Cameron Mutual, and The Hartford also being competitive. This example demonstrates why consumers need to take the time to compare rates when trying to find affordable auto insurance rates for homeowners. Prices consist of many risk factors and change dramatically, so the best company three years ago may now be priced much higher than other options.

The insurance agencies listed below are willing to aid you in deciding which coverages are best, since some drivers have questions and prefer to get some professional advice when shopping for the best coverage for people who own their homes. It can be difficult to find the best policy yourself, so a professional agent can give you comfort knowing you have sufficient protection if you have a claim.

To find a Kansas City insurance agency nearest to you, click the button after the list.

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