How Much is Kansas City Auto Insurance for Drivers with Good Credit?

For financially responsible drivers, one of the largest things that help determine insurance cost is where you keep your car in Kansas City. Regions with larger populations or more claims are more likely to pay higher prices, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.

The illustration below shows the most expensive places in Missouri for drivers with good credit to buy car insurance in. Kansas City ranks #5 with an annual cost of $1,245 for coverage, which is approximately $104 monthly.

How much is car insurance in Kansas City?
Rank City Annual Premium
1 Saint Louis $1,444
2 Florissant $1,401
3 University City $1,394
4 Raytown $1,277
5 Kansas City $1,245
6 Chesterfield $1,244
7 Mehlville $1,235
8 Wildwood $1,214
9 Independence $1,214
10 Ballwin $1,196
11 Kirkwood $1,187
12 Blue Springs $1,172
13 Saint Joseph $1,156
14 Liberty $1,153
15 Lee’s Summit $1,146
16 Wentzville $1,145
17 Joplin $1,126
18 O’Fallon $1,123
19 Saint Peters $1,117
20 Saint Charles $1,107
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Rate quotes are estimated as the specific garaging location can decrease or increase coverage rates significantly.

The vehicle model you are buying coverage for is one of the biggest factors when consumers are trying to find the best auto insurance for drivers with good credit. Vehicles with lower acceleration and performance, a plethora of safety features, or a low likelihood of liability claims will cost much less to insure than fast, unsafe models.

The next table ranks coverage premiums for a number of the most budget-friendly vehicles to buy insurance for.

Cheapest Vehicles to Insure in Kansas City, MO
Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,228
Honda CR-V LX 2WD $1,233
Hyundai Elantra SE Touring Station Wagon $1,332
Ford F-150 FX4 4WD $1,482
Ford Explorer XLT 2WD $1,502
Toyota Prius $1,532
Ford Edge Sport 2WD $1,541
Dodge Grand Caravan CV $1,557
Honda Odyssey EX W/Rear Entertainment $1,563
Toyota Corolla XRS $1,559
GMC Sierra 2500HD SLE Extended Cab 4WD $1,564
Jeep Grand Cherokee Limited 4WD $1,559
Honda Civic Hybrid 4-Dr Sedan $1,565
Ford Fusion Sport 4-Dr Sedan $1,559
Volkswagen Jetta SE 2.5 Station Wagon $1,577
GMC Sierra 3500HD SLE Extended Cab 2WD $1,587
Toyota RAV4 2WD $1,589
Chevrolet Equinox LS AWD $1,598
Kia Optima SX $1,662
Chevrolet Silverado LT Crew Cab 2WD $1,671
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rates do not factor in specific location which can decrease or increase premiums considerably.

Looking at the data, we can conclude that cars like the Ford Escape, Honda CR-V, and Hyundai Elantra are likely to be a few of the cheaper vehicles to insure for financially responsible drivers.

Which insurance company is best in Missouri?

Choosing a high-quality insurance company can be a challenge considering how many choices there are in Missouri. The rank data displayed below can help you analyze which insurers you want to consider comparing rate quotes with.

The ratings below only include companies with a national presence, so smaller regional companies are not factored into the list. To get price quotes and find the cheapest rates for drivers with good credit, click this link.

Best 15 Insurance Companies for Drivers with Good Credit in Missouri
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: Best Car Insurance Companies

The diagram below demonstrates how choosing different deductibles can affect annual premium costs when trying to find cheap insurance for drivers with good credit. The data assumes a single male driver, comp and collision included, and no discounts are taken into consideration.

As shown above, a 50-year-old driver could lower their car insurance rates by $218 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $332 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could roll back prices as much as $718 or more by selecting a higher deductible. If you do make the decision to raise your deductibles, it is essential to have enough savings to cover the extra out-of-pocket expense that comes with higher deductibles.

Why are you paying too much for Kansas City car insurance?

Kansas City, MO insurance rates are determined by lots of factors which can substantially change the price of your policy. Simply having another birthday, moving to a different location, or getting a ticket for careless driving can produce rate changes that can now make some companies more affordable than the competition.

Not only may your situation change, but insurance companies file new Missouri auto insurance rates as needed to adjust for heavy claims or excess profits. Unexpectedly high claims may result in price increases, while profitable underwriting may cause cheaper Kansas City car insurance rates.

The graph below shows a variety of companies that have the cheapest car insurance in Kansas City, MO for a 45-year-old female driver with a good driving record, no prior claims, and a good credit rating. If we look at prices based on her current risk factors, USAA might offer the most affordable car insurance rates in Kansas City at $809 each year. This is $453 less than the average price paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners are also included in the top five cheapest Kansas City, MO auto insurance companies.

In the next rate comparison, we’ll give the driver in the first chart an accident surcharge, poor credit, and a traffic citation. Since every insurance provider uses their own calculation for establishing rates, comparing prices may now present a significantly different list of companies as shown below.

Travelers now has the lowest price in Kansas City, MO with Nationwide, The Hartford, Farmers, and Cameron Mutual now rounding out the top five. This illustrates why it is crucial to shop around with many companies to find the most budget-friendly auto insurance rates for drivers with good credit.

Rates are impacted by many different factors and can change without notice, so the most economical company three years ago may now be priced much higher than other options.

How to find the cheapest auto insurance for drivers with good credit

The list below details some money-saving suggestions that can help you quote cheap car insurance.

The last tip is highly valuable, as was affirmed in the article above. Prices charged by companies can be changed at any time, so you should be ready to switch carriers if you find a better deal.

Loyalty to a specific company is fine, but it’s not a great idea if your bullheadedness ends up costing you hundreds every year. It only take a few minutes to compare prices and find cheaper car insurance for drivers with good credit in Kansas City.

The Kansas City, MO, insurance agents below can probably provide answers to your questions and help you determine which auto insurance policy would work best for you, since some people prefer to have the advice of a professional agent when shopping for the best coverage for financially responsible drivers. It can be challenging to find the best policy on your own, and agents can provide comfort knowing your policy gives you adequate protection in the event of a claim.

To find a Kansas City insurance agent in your neighborhood, click the link at the bottom or click here to compare rates now.

Allstate Insurance: Steve Marshall
7000 NW Prairie View Rd Ste 100Kansas City, MO 64151(816) 587-5200

American Family Insurance – Mike Faeth
110 NW Barry Rd Ste 203Kansas City, MO 64155(816) 436-6603

Heartland Insurance Agency, Inc.
7301 Mission Rd #242, Prairie Village, KS 66208Prairie Village, MO 66208(800) 701-5909

Northland Independent Insurance Group
5575 NW Barry RdKansas City, MO 64154(816) 587-1826

More insurance agents in Kansas City, MO