For health professionals, one of the largest factors that determine car insurance rates is where you choose to live. Areas with more people or more claims tend to pay more, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.
The following table ranks the most expensive places in Missouri for nurses to purchase a policy in. Kansas City is ranked #5 with an annual cost of $1,257 for the average policyholder, which is around $105 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Florissant | $1,459 |
| 2 | Saint Louis | $1,430 |
| 3 | University City | $1,394 |
| 4 | Raytown | $1,264 |
| 5 | Kansas City | $1,257 |
| 6 | Chesterfield | $1,257 |
| 7 | Wildwood | $1,251 |
| 8 | Mehlville | $1,235 |
| 9 | Independence | $1,227 |
| 10 | Ballwin | $1,208 |
| 11 | Liberty | $1,189 |
| 12 | Kirkwood | $1,187 |
| 13 | Joplin | $1,172 |
| 14 | Lee’s Summit | $1,135 |
| 15 | Wentzville | $1,134 |
| 16 | Blue Springs | $1,126 |
| 17 | Saint Joseph | $1,122 |
| 18 | Saint Peters | $1,117 |
| 19 | Cape Girardeau | $1,105 |
| 20 | O’Fallon | $1,101 |
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Rate quotes are approximated as the specific area where the vehicle is garaged can increase or decrease premium rates significantly.
The make and model of vehicle you are seeking coverage for is one of the biggest factors when consumers are trying to find low-cost coverage for nurses. Vehicles with higher performance characteristics, a lack of advanced safety features, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models. The table below presents car insurance rates for a handful of the cheapest automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,232 |
| Honda CR-V LX 4WD | $1,413 |
| Chevrolet Impala LT | $1,456 |
| Toyota RAV4 2WD | $1,466 |
| Chevrolet Malibu LT | $1,486 |
| Ford Escape XLS 4WD | $1,509 |
| Honda Accord LX-P 4-Dr Sedan | $1,519 |
| Toyota Corolla S | $1,532 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,552 |
| Ford F-150 STX Super Cab 2WD | $1,562 |
| GMC Sierra SLT Extended Cab 2WD | $1,562 |
| Jeep Grand Cherokee SRT-8 4WD | $1,571 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,562 |
| Nissan Rogue SL AWD | $1,638 |
| Toyota Camry Hybrid | $1,668 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,676 |
| Dodge Grand Caravan Hero | $1,670 |
| Toyota Prius | $1,678 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,703 |
| Ford Explorer Limited 4WD | $1,709 |
| Ford Focus SEL 4-Dr Sedan | $1,728 |
| Honda Odyssey EX W/Rear Entertainment | $1,751 |
| Toyota Camry LE | $1,789 |
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Estimates do not factor in garaging location in Kansas City, MO which can raise or lower insurance rates significantly.
Based upon the rates shown, we can tell that models like the Hyundai Elantra, Honda CR-V, Chevrolet Impala, Toyota RAV4, and Chevrolet Malibu will definitely be some of the more affordable vehicles to insure for health professionals.
How violations and accidents impact rates
The easiest way to get the cheapest auto insurance prices in Kansas City for health professionals is to be a good driver and have a clean driving record. The illustration below demonstrates how citations and at-fault collisions raise insurance costs for different ages of insureds. The prices are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of a car insurance policy in Missouri per year with a clean driving record and no accidents is $1,553. Add in one speeding ticket and the average cost surges to $1,746, an increase of $193 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for nurses goes up to an average of $2,295. That’s an increase of $742, or $62 per month, just for not paying attention while driving!
Discount Kansas City car insurance rates
Insurance companies that provide coverage for nurses may additionally offer rate discounts that could lower prices by 35% or more if you are eligible to receive them. A list of companies and a partial list of their discounts include:
- GEICO may include discounts for five-year accident-free, military active duty, seat belt use, membership and employees, and driver training.
- Travelers offers premium reductions for multi-policy, multi-car, new car, continuous insurance, driver training, and student away at school.
- Farm Bureau has discounts for safe driver, multi-vehicle, youthful driver, 55 and retired, multi-policy, and good student.
- Liberty Mutual discounts include hybrid vehicle, safety features, new vehicle discount, good student, new graduate, and multi-policy.
- American Family policyholders can earn discounts including early bird, bundled insurance, Steer into Savings, multi-vehicle, mySafetyValet, defensive driver, and TimeAway discount.
- Progressive includes discounts for multi-policy, online quote discount, homeowner, good student, and online signing.
The example below shows the comparison of insurance premiums with and without discounts applied to the premium. The information is based on a female driver, no driving violations, no at-fault accidents, Missouri state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, multiple policy, claim-free, defensive driving course, accident-free, and vehicle safety discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for nurses is 27% or $398.
Choosing the best insurance provider can be a challenge considering how many companies there are to choose from in Kansas City. The company rank data listed below can help you select which insurers to look at purchasing coverage from.
The ratings below only include large, nationwide insurance companies, so companies with more of a regional focus are not included in this list. If you wish to compare rates and find the cheapest rates for nurses, just click here.
Top 10 Major Auto Insurance Providers Overall in Kansas City
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Ideas for finding low-cost car insurance for nurses
Here are a few thrifty suggestions that can help drivers find cheaper coverage.
- Pay cheaper rates with good credit scores
- Vehicles with good safety ratings have lower liability rates
- Maintain a safe distance and avoid accidents
- Violations like speeding or DUI increase rates
- Frequent claims may make car insurance unaffordable
- Comparison shop frequently
The last item on the list is particularly vital, as was pointed out in this piece. Insurance rates can change considerably based on profitability, so don’t be unwilling to buy from a different company if a more affordable price is available. Loyalty to a specific company is fine, but it’s not a good idea if it’s costing you money that could be going to better use. It only takes a couple minutes to compare prices and find cheaper car insurance for nurses in Kansas City.
The insurance agencies below can help you make a decision which policy is best, since some drivers have questions and prefer to have a professional recommendation when trying to find the best insurance rates for nurses. It’s not always simple to find the cheapest car insurance policy, so professional agents can provide you peace of mind knowing your coverage gives you adequate protection in case of an accident or claim.
To locate a Kansas City auto insurance agent nearest to you, click the button at the bottom of the list.
Debbie Baker Krough – State Farm Insurance Agent
6300 Walnut – Kansas City, MO 64113 – (816) 361-4200
Tim Dugan – State Farm Insurance Agent
6453 N Cosby Ave – Kansas City, MO 64151 – (816) 746-1300
Etta McKenzie – State Farm Insurance Agent
11818 Blue Ridge Blvd – Kansas City, MO 64134 – (816) 861-8600