The vehicle needing coverage is one of the largest considerations that determines the availability of the best insurance for hybrid vehicles. Vehicles with high performance features, a lack of advanced safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer models.
The next table outlines auto insurance prices for a handful of the most economical vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $1,211 |
| Chevrolet Impala LS | $1,405 |
| Ford Focus SE 4-Dr Sedan | $1,414 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,483 |
| Ford Escape XLT 2WD | $1,490 |
| Honda CR-V LX 2WD | $1,483 |
| Honda Odyssey EX-L | $1,508 |
| Toyota Corolla LE | $1,517 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,535 |
| Chevrolet Equinox LTZ AWD | $1,543 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,535 |
| Ford F-150 XL Crew Cab 2WD | $1,555 |
| Toyota RAV4 Limited 4WD | $1,640 |
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price information does not factor in specific location information which can influence price quotes greatly.
Looking at the numbers, you can presume that makes and models like the Honda Accord, Chevrolet Impala, Ford Focus, Jeep Wrangler, and Ford Escape will be a few of the most affordable vehicles to insure for hybrids.
Finding cost effective car insurance is not easy, and figuring out which company has the cheapest car insurance rates for hybrid vehicles will involve even more diligence. Each auto insurance company has their own formula for determining prices, so let’s take a look at the most competitive car insurance companies in Kansas City.
Best Car Insurance Prices for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $648 |
| 2 | The Hartford | $809 |
| 3 | Allied | $849 |
| 4 | Electric | $875 |
| 5 | Auto-Owners | $997 |
| 6 | Travelers | $1,008 |
| 7 | MO Farm Bureau | $1,021 |
| 8 | Nationwide | $1,109 |
| 9 | Farmers | $1,151 |
| 10 | Cameron Mutual | $1,166 |
| 11 | State Farm | $1,221 |
| 12 | American Family | $1,253 |
| 13 | Shelter | $1,404 |
| 14 | GEICO | $1,406 |
| 15 | Safeco | $1,412 |
| 16 | Safe Auto | $1,419 |
| 17 | Progressive | $1,424 |
| 18 | California Casualty | $1,425 |
| 19 | MetLife | $1,473 |
| 20 | Auto Club | $1,518 |
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USAA offers some of the cheapest car insurance rates in Kansas City at around $648 a year. The Hartford, Allied, Electric, and Auto-Owners would also be considered some of the cheapest Kansas City, MO auto insurance companies.
In this example, if you are currently insured with The Hartford and switched to USAA, you might achieve an annual savings of roughly $161. Drivers with Allied could save as much as $201 a year, and Electric insureds might realize rate reductions of up to $227 a year.
Bear in mind that those prices are averaged for all types of drivers and the different vehicles they drive and do not factor in an exact zip code location for hybrid vehicles. So the company that fits your age and vehicle best may not even be in the list above. That helps illustrate why you need to quote rates from many companies using your own driver data and vehicle information.
For hybrids, one of the more important factors that are looked at to help calculate car insurance rates is where you normally keep your vehicle. Larger areas are more likely to have higher rates, whereas areas that tend to be more rural benefit from lower prices.
The table below lists the priciest cities in Missouri for hybrid vehicles to purchase a policy in. Kansas City is ranked at #6 with an annual premium of $1,257 for the average policyholder, which is approximately $105 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Saint Louis | $1,488 |
| 2 | University City | $1,408 |
| 3 | Florissant | $1,401 |
| 4 | Raytown | $1,277 |
| 5 | Mehlville | $1,272 |
| 6 | Kansas City | $1,257 |
| 7 | Independence | $1,251 |
| 8 | Ballwin | $1,244 |
| 9 | Wildwood | $1,238 |
| 10 | Chesterfield | $1,220 |
| 11 | Kirkwood | $1,199 |
| 12 | Joplin | $1,172 |
| 13 | Saint Joseph | $1,168 |
| 14 | Liberty | $1,165 |
| 15 | Blue Springs | $1,160 |
| 16 | Saint Charles | $1,140 |
| 17 | Lee’s Summit | $1,135 |
| 18 | Saint Peters | $1,117 |
| 19 | Wentzville | $1,101 |
| 20 | Columbia | $1,100 |
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Premium costs are estimated as the specific zip code location can revise coverage prices substantially.
How accidents and tickets impact rates
One of the best ways to earn good car insurance rates for hybrids is to be an attentive driver and not have accidents or get tickets. The information below highlights how speeding tickets and at-fault collisions drive up car insurance rates for different age groups. The data assumes a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
In the previous example, the average cost of auto insurance in Missouri per year with no accidents or violations is $1,706. Get written up for one speeding ticket and the average cost rises to $1,918, an increase of $213 each year. Now add two accidents along with the one speeding ticket and the yearly cost of car insurance for hybrid vehicles goes up to an average of $3,651. That’s an increase of $1,946, or $162 per month, just for not being attentive to the road!
Picking the best insurance provider can be a challenge considering how many different companies insure vehicles in Missouri. The company rank data in the lists below may help you pick which auto insurance companies you want to consider comparing price quotes from. The ratings below are only comprised of the largest companies in the United States, so companies that have a smaller presence are not included in the list.
Top 10 Major Auto Insurance Companies 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 Companies in Kansas City Ranked by Customer Service
- State Farm
- Nationwide
- Safeco Insurance
- American Family
- Travelers
- Liberty Mutual
- GEICO
- Allstate
- The Hartford
- Farmers Insurance
How to find the cheapest auto insurance for hybrid vehicles
Below you’ll find some of the recommended thrifty ideas that can help Missouri drivers get lower-cost car insurance.
- Good credit can save money
- Increase deductibles to save money
- Drive a car with a high safety rating
- Drop full coverage on older vehicles
- Remain accident-free and save
- Tickets and violations raise rates
- Compare prices frequently to find the best deal
That last piece of advice is remarkably critical, as was noted in this write-up. Prices in Kansas City fluctuate constantly, so drivers shouldn’t be resistant to change to a new company if you find a cheaper price. Having brand loyalty is commendable, but is isn’t recommended if that faithfulness ends up costing you money that could be spent on other things. In just a couple of minutes you could compare prices to find cheaper auto insurance for hybrid vehicles.
The insurance agencies below can help you determine which is the best policy, as some drivers wish to have a little guidance when buying car insurance for hybrids. It can be challenging to find coverage yourself, so getting professional guidance from a licensed agent can add comfort knowing your coverage gives you adequate asset protection.
To locate a Kansas City insurance agent in your neighborhood, click the button link following the list or click here to compare price quotes now.
Allstate Insurance: Donita Hunt
7501 NW Tiffany Springs Pkwy – Kansas City, MO 64153 – (816) 587-4181
American Family Insurance – Jeff Williams Agency Inc.
6505 N Prospect Ave #100 – Kansas City, MO 64119 – (816) 459-7779
Joe Janacaro – State Farm Insurance Agent
5555 NW Barry Rd – Kansas City, MO 64154 – (816) 587-8330
Allen Jones – State Farm Insurance Agent
8900 Wornall Rd – Kansas City, MO 64114 – (816) 361-6362