For pre-owned vehicles, one of the big components that are looked at to help calculate auto insurance rates is where you live in Kansas City. Areas with more people or more claims tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from having to pay less for coverage.
The information below lists the most expensive cities in Missouri for used cars to buy an auto insurance policy in. Kansas City comes in at #5 with the yearly price of $1,283 for the average policyholder, which is approximately $107 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Saint Louis | $1,474 |
| 2 | Florissant | $1,416 |
| 3 | University City | $1,352 |
| 4 | Raytown | $1,303 |
| 5 | Kansas City | $1,283 |
| 6 | Chesterfield | $1,257 |
| 7 | Mehlville | $1,235 |
| 8 | Ballwin | $1,232 |
| 9 | Kirkwood | $1,223 |
| 10 | Wildwood | $1,214 |
| 11 | Independence | $1,214 |
| 12 | Liberty | $1,165 |
| 13 | Blue Springs | $1,160 |
| 14 | Joplin | $1,138 |
| 15 | Lee’s Summit | $1,135 |
| 16 | O’Fallon | $1,134 |
| 17 | Saint Joseph | $1,122 |
| 18 | Springfield | $1,119 |
| 19 | Saint Charles | $1,107 |
| 20 | Wentzville | $1,101 |
| Start a Quote Go | ||
Rates are comparative as the specific area where the vehicle is garaged can impact price quotes substantially.
Finding reasonably-priced auto insurance is not most people’s favorite thing to do, and finding out which companies quote the cheapest auto insurance rates for used cars requires more quotes for comparison.
Each auto insurer uses a little different formula to determine premium rates, so first we will examine the auto insurance companies with the most affordable rates in Missouri. It’s important that you understand Kansas City auto insurance rates are determined by lots of factors that will increase or decrease the policy premium. This price fluctuation is why Kansas City drivers need to perform a complete rate comparison to find the most budget-friendly auto insurance quotes for used cars. Car insurance prices consist of many factors and change frequently, so the most affordable company when you last compared rates may now be quite expensive.
Best Auto Insurance Prices for Used Cars
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $648 |
| 2 | The Hartford | $785 |
| 3 | Electric | $841 |
| 4 | Allied | $849 |
| 5 | Travelers | $1,008 |
| 6 | Auto-Owners | $1,027 |
| 7 | MO Farm Bureau | $1,052 |
| 8 | Nationwide | $1,131 |
| 9 | Farmers | $1,139 |
| 10 | Cameron Mutual | $1,154 |
| 11 | State Farm | $1,271 |
| 12 | American Family | $1,279 |
| 13 | Safe Auto | $1,377 |
| 14 | Shelter | $1,404 |
| 15 | Progressive | $1,410 |
| 16 | Safeco | $1,412 |
| 17 | California Casualty | $1,439 |
| 18 | GEICO | $1,448 |
| 19 | MetLife | $1,458 |
| 20 | Auto Club | $1,488 |
| View More Rates Go | ||
USAA offers some of the cheapest car insurance rates in Kansas City at around $648 annually. This is $614 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Travelers also qualify as some of the cheaper Kansas City, MO insurance companies.
As shown in the table above, if you currently have a policy with Electric and switched to USAA, you could realize savings of about $193. Customers with Allied might save as much as $201 a year, and Travelers policyholders might lower prices by up to $360 a year.
To find the cheapest rates for your vehicle, click here to start your free quote or visit several of the following companies.
These policy rates are averaged for all types of drivers and the different vehicles they drive and and are not figured with a specific vehicle garaging location for used cars. So the insurer that fits you best may not even be in the top 23 companies in the list above. That’s why you need to compare prices as often as possible using your own specific driver information and vehicle.
The type of vehicle to be insured is one of the biggest factors when quoting cheap coverage for used cars. Vehicles with more horsepower, a lack of modern safety features, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models. The table below features car insurance rates for some of the cheaper vehicles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,413 |
| Ford Edge SEL 2WD | $1,428 |
| Honda CR-V EX 4WD | $1,443 |
| Chevrolet Malibu Hybrid | $1,456 |
| Chevrolet Impala LT | $1,465 |
| Toyota Camry LE | $1,456 |
| Toyota Tacoma X-Runner 2WD | $1,532 |
| Toyota Prius | $1,564 |
| Dodge Grand Caravan CV | $1,582 |
| Ford F-350 XL Crew Cab 2WD | $1,590 |
| Hyundai Elantra SE Touring Station Wagon | $1,642 |
| Volkswagen Jetta 2.0T Station Wagon | $1,652 |
| Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD | $1,665 |
| Kia Optima SX | $1,668 |
| Dodge Ram 2500 Crew Cab ST 4WD | $1,695 |
| Ford F-150 FX2 2WD | $1,703 |
| Ford Explorer Limited AWD | $1,711 |
| Find Cheaper Rates Go | |
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in specific location which can increase or decrease premium rates significantly.
Based upon these rates, you can expect vehicles like the Ford Escape, Ford Edge, and Honda CR-V should be some of the most economical vehicles to insure for pre-owned vehicles.
Get discounts on Kansas City car insurance rates
Insurance providers that offer cheap quotes for used cars may also offer premium discounts that could lower prices by as much as 25% or more if you can meet the requirements. A few of the larger companies and their possible discounts are shown below.
- Farm Bureau may offer discounts for youthful driver, renewal discount, multi-vehicle, driver training, and good student.
- State Farm policyholders can earn discounts including defensive driving training, multiple autos, multiple policy, driver’s education, and safe vehicle.
- Progressive may include discounts for online quote discount, good student, homeowner, continuous coverage, online signing, and multi-policy.
- Allstate offers discounts including resident student, utility vehicle, early signing, anti-lock brakes, eSmart discount, 55 and retired, and economy car.
- Nationwide has savings for good student, easy pay, accident-free, business or organization, and family plan.
- MetLife has discounts for claim-free, good driver, good student, multi-policy, and defensive driver.
The information below shows the comparison of car insurance rates with and without discounts applied to the policy rates. The data is based on a female driver, a clean driving record, no at-fault accidents, Missouri state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with vehicle safety, homeowner, accident-free, multiple policy, passive restraint, and anti-theft discounts applied. When discounts are applied, theamount saved on auto insurance for used cars is 28% or $331.
Responsible drivers pay cheaper Kansas City auto insurance rates
The easiest method to earn the best auto insurance premiums in Missouri for pre-owned vehicles is to pay attention while driving and avoid tickets and accidents. The diagram below illustrates how violations and at-fault fender-benders can drive up insurance rates for each age group. The price estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
The data in the chart shows the average cost of car insurance per year with no violations or accidents is $1,942. Get one speeding ticket and the average cost surges to $2,200, an increase of $258 each year. Now include two accidents along with the one speeding ticket and the annual cost of auto insurance for used cars goes up to an average of $4,390. That’s an increase of $2,448, or $204 per month, just for not being attentive to the road!
The chart below highlights how deductible choice can impact premium costs when researching cheap insurance for used cars. The premiums assume a married female driver, full physical damage coverage, and no policy discounts are applied.
A 50-year-old driver could lower their car insurance rates by $244 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $368 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old chart data, can cut up to $608 every year just by using higher deductibles.
When using a larger deductible, it will be important to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense that is associated with using high deductibles.
If you have coverage questions and would like to have a little guidance when comparing insurance rates for used cars, the agents shown below are a good start to help you make a decision which car insurance company is the best fit.
To find an auto insurance agency by location nearest to you, click the button at the bottom of the list or click here to get price quotes now.
- David Denny – State Farm Insurance Agent
8600 Ward Pkwy #2070 – Kansas City, MO 64114 – (816) 363-3187 - Farmers Insurance – Deborah York
5775 NW 64th Terrace #201 – Kansas City, MO 64151 – (816) 746-4443 - State Farm: Bret Ohlhausen
8549 N Church Rd – Kansas City, MO 64157 – (816) 781-4960
View map of Kansas City, MO insurance agents
How to find economical insurance for used cars
Lowering your rates is not difficult, and here are a few thrifty ideas that can help drivers find more affordable coverage.
- Prevent rate increases by staying accident-free
- Multi-policy discounts save money
- Safe vehicles cost less to insure
- Avoid getting citations and tickets
- Pay for small claims rather than turning them in to your insurance company
- Compare prices frequently to find the best deal
The last idea is extraordinarily valuable, as was pointed out in the article above. Prices charged by companies adjust frequently, so drivers shouldn’t hesitate to switch companies if a better rate can be found.
Having a favorite company is great, but it’s not a great idea if that devotion results in you overpaying a lot of money. It only take a few minutes to shop around and find cheaper insurance for used cars in Kansas City.