The words “low-cost” and “auto insurance” probably shouldn’t be used in the same sentence, especially when you are trying to find the best price on coverage for drivers with a DUI. Because it’s so expensive, let’s lead off by showing you some of the factors that have a considerable impact on auto insurance rates, and find some ways to lower the price of your next policy.
Finding decent, cheap insurance is not always easy, and figuring out which company quotes the cheapest insurance rates for drivers with a DUI will involve even more perseverance.
Each insurer has a proprietary method to determine rates, so first let’s look at the rankings for the lowest cost insurance companies in Kansas City.
Find the Cheapest Auto Insurance after a DUI
|Rank||Company||Cost Per Year|
|7||MO Farm Bureau||$1,052|
|Compare Rates Now Go|
USAA normally has some of the best car insurance rates in Kansas City at around $662 per year. This is $600 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners are also some of the lowest-priced Kansas City, MO auto insurance companies.
In the above rates, if you are currently insured with Electric and switched to The Hartford, you may see an annual premium reduction of in the neighborhood of $32. Customers with Auto-Owners could save as much as $220 a year, and Travelers insureds might reduce rates by $221 a year.
These estimates are averages for all drivers and vehicles and do not factor in a specific vehicle garaging location for drivers with a DUI. So the auto insurance company that is best suited for you may not even be in the top 23 companies shown above. That points out the importance of why you need to quote rates from many companies using your own driver information and specific vehicle type.
After getting a DUI, one of the big components that are looked at to determine the cost of insurance is where you normally keep your vehicle in Kansas City. Cities with larger populations or higher claim trends tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims benefit from having to pay less for coverage.
The next table sorts the most costly cities in Missouri for drivers with a DUI in which to buy car insurance. Kansas City is ranked at #4 with an annual rate of $1,295 for the average policy, which is approximately $108 per month.
|Rank||City||Premium Per Year|
|Get a Custom Quote Go|
Information shown are estimated as vehicle location can influence auto insurance rates noticeably.
Full coverage versus liability-only
Finding cheaper insurance is the goal of the majority of drivers, and one of the fastest ways to buy cheap insurance for drivers with a DUI is to buy only liability coverage. The illustration below shows the comparison of car insurance rates with full physical damage coverage compared to only buying liability only. The premium estimates are based on no claims, a clean driving record, $250 deductibles, single status, and no policy discounts are applied.
If we average the cost for ages 20 through 70, full coverage costs an additional $1,876 per year over liability only. That amount may make you wonder if it’s a good idea to buy full coverage. There is no clear-cut formula of when to stop paying for comp and collision coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s say your vehicle’s settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after you pay the deductible. If premiums are more than $500 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
How to get discounts on Kansas City insurance
Insurers that offer quotes for drivers with a DUI may also offer rate discounts that could reduce prices by 30% or more if you meet specific criteria. Larger insurance companies and the discounts they provide can be found below.
- GEICO may offer discounts for multi-policy, defensive driver, anti-theft, anti-lock brakes, federal employee, air bags, and multi-vehicle.
- SAFECO may have discounts that include anti-theft, anti-lock brakes, drive less, teen safety rewards, homeowner, safe driver, and bundle discounts.
- State Farm may include discounts for multiple policy, good driver, student away at school, Steer Clear safe driver discount, defensive driving training, good student, and anti-theft.
- MetLife includes discounts for good driver, defensive driver, claim-free, accident-free, good student, and multi-policy.
- 21st Century policyholders can earn discounts including student driver, theft prevention, early bird, good student, and homeowners.
- Progressive has discounts for homeowner, online signing, online quote discount, multi-policy, good student, and multi-vehicle.
The diagram below visualizes the comparison of insurance costs with and without discounts applied to the rates. The data is based on a male driver, one violation and no at-fault accidents, Missouri state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with paid-in-full, multiple vehicle, anti-theft, paperless filing, marriage, and passive restraint discounts applied. When discounts are applied, theaverage amount saved on insurance for drivers with a DUI is 28% or $529.
The example below demonstrates how choosing different deductibles can influence insurance premiums when searching for cheap insurance for drivers with a DUI. The rate quotes are based on a single male driver, comp and collision included, and no discounts are factored in.
The data above shows that a 50-year-old driver could lower rates by $218 a year by switching from a $100 deductible to a $500 deductible, or save $332 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could shave $718 each year by choosing a larger deductible amount.
When choosing a higher deductible, it will now be necessary to have enough savings to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
How to find low-cost auto insurance for drivers with a DUI
Below you’ll find many thrifty ideas that can help drivers find more affordable coverage.
- Having too many claims will increase rates substantially
- Staying accident-free helps keep rates low
- Bundle home or renters insurance to earn a discount on car insurance
- Drive safely
- Safer vehicles cost less to insure
- Compare rates once a year for cheaper prices
The last item on the list is incredibly critical, as we hit on in the prior information. Coverage prices in Kansas City fluctuate constantly, so drivers shouldn’t be resistant to buy a policy from a new company if a better rate can be found. Brand loyalty is not necessarily bad, but it isn’t a good idea if that dedication is costing money that could be going to better use. It only take a few minutes to compare prices and find cheaper car insurance for drivers with a DUI.
If you like to have the advice of a professional agent when comparing insurance rates after getting a DUI, the agents shown below can aid you in deciding which car insurance company is the best fit. To find an agent by location nearest to you, click the button following the list or click here to get price quotes now.
Allstate Insurance: Steve Marshall
7000 NW Prairie View Rd Ste 100 – Kansas City, MO 64151 – (816) 587-5200
American Family Insurance – Dewey Osborn
6405 N Oak Trafficway – Kansas City, MO 64118 – (816) 436-7300
Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400
Abbott Insurance Inc.
8117 N Oak Trafficway – Kansas City, MO 64118 – (816) 452-8810