Who Has Cheap Kansas City Car Insurance Rates for a Chevrolet Malibu?

Finding competitive car insurance for a Chevrolet Malibu is dependent upon a lot of rating criteria such as annual vehicle mileage, if you have prior claims, and any driving offenses on your record. Missouri drivers pay around $686 each year to insure their Malibu, but that price is an estimate based on a 40-year-old single female driver with full physical damage coverage and $1,000 deductibles.

This brings up the issue that more than likely you aren’t exactly 40 years old or even a female, possibly married instead of single, and maybe you want different deductibles. Having what appears to be a very minor change in rating criteria can make a big difference in the cost of a policy.

Not everyone needs the same coverages, so the only way to find cheap insurance rates for your Chevrolet is to just take the time to compare rates yourself. Rate quotes are easy and you will get price quotes from some of the cheapest companies that insure Chevrolet vehicles in Missouri.

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The specific trim level will likely have an effect on the yearly cost, so the price you will be charged to insure a Malibu LS model will cost $60 less than the insurance cost for the more expensive Malibu LTZ trim level, as shown below.

Chevrolet Malibu Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $122 $246 $346 $20 $104 $838 $70
Malibu Hybrid $122 $246 $346 $20 $104 $838 $70
Malibu LT $138 $246 $346 $20 $104 $854 $71
Malibu LTZ $138 $290 $346 $20 $104 $898 $75
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in vehicle garaging location which can alter rates substantially.

Best insurance company in Missouri

Selecting the top company is difficult considering how many companies there are in Missouri. The ranking information below may help you select which car insurance companies to look at when shopping insurance around for a Chevrolet Malibu.

The ratings below are only made up of companies with a nationwide focus, so companies that may only write in Missouri are not taken into consideration for the list. To compare rates from these and other companies in Missouri, click here.

Top 15 Insurance Companies for a Chevrolet Malibu in Kansas City, MO
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
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Data Source: Insure.com Best Car Insurance Companies

Get discount Kansas City insurance rates

Save on insurance for a Malibu in Kansas CityInsurance providers that offer quotes for a Chevrolet Malibu may also give you policy discounts that could lower prices by as much as 30% if you meet specific eligibility requirements. A list of insurance companies and their offered discounts are shown below.

The illustration below shows the difference between auto insurance rates with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or violations, Missouri state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, passive restraint, multiple policy, homeowner, safe-driver, and anti-theft discounts applied. When discounts are factored in, theaverage amount saved on insurance for a Chevrolet Malibu is 28% or $357.

Full coverage rates compared to liability-only

Reducing premiums for insurance is important to most vehicle owners, and an effective way to find cheap insurance for a Chevrolet Malibu is to only buy liability coverage. The diagram below illustrates the comparison of insurance prices with full physical damage coverage compared to only buying liability only. The prices are based on a clean driving record, no claims, $100 deductibles, marital status is single, and no policy discounts are applied.

As an overall average, physical damage insurance costs $1,816 per year more than insuring for liability only. That may make you wonder if physical damage coverage is worth the money. There isn’t a steadfast formula of when to stop paying for full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

There are a few cases where eliminating full coverage is not recommended. If you haven’t paid off your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

The chart below illustrates how your deductible choice can raise or lower insurance rates when quoting cheap insurance for a Chevrolet Malibu. The rates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

The data above shows that a 40-year-old driver could reduce rates by $216 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $328 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could lower their rates $542 each year just by using higher deductibles. When increasing deductibles, it will be important to have enough in a savings account to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

The insurance agents in Kansas City listed below can most likely help you determine which auto insurance coverages would be the best in your situation, as many people would rather get some guidance when shopping around for cheaper insurance for a Chevrolet Malibu. It can be hard to find the best policy on your own, so insurance agents can give you peace of mind knowing your policy gives you adequate coverage if you have an accident or claim.

To locate a Kansas City insurance agent using an interactive map, click the button following the list or click here to get price quotes now.

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