How Much is Kansas City Car Insurance for Felons?

The make and model of vehicle that is being insured is one of the primary factors when looking for affordable auto insurance for felons. Vehicles with average performance, good crash test ratings, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models. The next table illustrates insurance rates for a selection of the cheapest vehicles to insure.

Cheapest Vehicles to Insure in Kansas City, MO
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 2WD $1,183
Hyundai Elantra GLS Touring Station Wagon $1,190
Dodge Grand Caravan CV $1,329
Ford Edge Limited 2WD $1,376
Honda CR-V EX-L 2WD $1,386
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,430
Honda Accord EX-L 4-Dr Sedan $1,470
Volkswagen Jetta 2.0T 4-Dr Sedan $1,502
GMC Sierra SLT Extended Cab 4WD $1,508
Kia Optima LX $1,507
Ford Explorer XLT AWD $1,522
Dodge Ram Crew Cab ST 2WD $1,534
Nissan Rogue SL AWD $1,578
Chevrolet Silverado Crew Cab Hybrid 4WD $1,603
Hyundai Sonata Limited 4-Dr Sedan $1,606
Toyota RAV4 Limited 4WD $1,615
Toyota Prius $1,613
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Table 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 homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in zip code location which can impact rates substantially.

Looking at the rates, cars like the Ford Escape, Hyundai Elantra, Dodge Grand Caravan, Ford Edge, and Honda CR-V will definitely be a few of the cheapest vehicles to insure for felons.

Trying to buy cheap insurance is difficult, and determining which companies have the most affordable auto insurance rates for felons involves additional perseverance. Every insurance provider has their own process to set their prices, so let’s take a look at the auto insurance companies with the most affordable rates in Kansas City.

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What’s the cheapest car insurance in Missouri?
Rank Company Cost Per Year
1 USAA $648
2 The Hartford $817
3 Allied $841
4 Electric $875
5 Auto-Owners $1,037
6 Travelers $1,038
7 MO Farm Bureau $1,063
8 Farmers $1,105
9 Nationwide $1,109
10 Cameron Mutual $1,190
11 State Farm $1,271
12 American Family $1,291
13 Safeco $1,370
14 Progressive $1,382
15 Safe Auto $1,419
16 California Casualty $1,439
17 GEICO $1,448
18 MetLife $1,458
19 Shelter $1,462
20 Auto Club $1,488
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USAA normally has some of the lowest car insurance rates in Kansas City at around $648 each year. The Hartford, Allied, Electric, and Auto-Owners are also some of the cheapest Kansas City, MO auto insurance companies.

As the example above demonstrates, if you currently buy coverage from The Hartford and switched to USAA, you could earn annual savings of in the neighborhood of $169. Missouri drivers with Allied might save as much as $193 a year, and Electric insureds might lower prices by $227 a year.

To find out how much you can save, click here to start a quote or click several companies below for low rates.

Remember that these premiums are averaged across all drivers and vehicles and do not factor in an exact vehicle garaging location for felons. So the company that can offer the best rates for your situation may not even be in the list above. That illustrates why you need to compare prices as often as possible using your own driver information and specific vehicle type.

For felons, one of the big factors that are looked at to determine the cost of insurance is your address. Cities with larger populations likely pay more, whereas areas with less crime or weather claims have the gratification of cheaper auto insurance rates.

The table below lists the highest-priced areas in Missouri for felons to purchase auto insurance in. Kansas City ranks #4 with a yearly premium of $1,283 for the average policyholder, which is about $107 each month.

How much is car insurance in Kansas City?
Rank City Premium Per Year
1 Saint Louis $1,444
2 Florissant $1,416
3 University City $1,394
4 Kansas City $1,283
5 Mehlville $1,272
6 Independence $1,264
7 Raytown $1,264
8 Kirkwood $1,223
9 Chesterfield $1,220
10 Wildwood $1,214
11 Ballwin $1,208
12 Lee’s Summit $1,181
13 Joplin $1,172
14 Liberty $1,165
15 Blue Springs $1,160
16 Saint Charles $1,140
17 Wentzville $1,134
18 Saint Peters $1,128
19 Saint Joseph $1,122
20 Cape Girardeau $1,105
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Rate quotes are estimated as specific Kansas City zip code can increase or decrease premium rates greatly.

Violations and accidents raise rates

One of the best ways to score the best auto insurance premiums in Missouri for felons is to be a good driver and avoid getting tickets or having accidents. The illustration below demonstrates how speeding tickets and accident claims raise car insurance costs for each age group. The premiums are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

The chart shows that the average cost of car insurance in Missouri per year with a clean driving record and no accidents is $1,681. Factor in two speeding tickets and the average cost jumps to $2,220, an increase of $538 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for felons goes up to an average of $4,341. That’s an increase of $2,660, or $222 per month, just for not being attentive to the road!

Should you buy full coverage?

Reducing the cost of auto insurance is the goal of most drivers, and a good way to pay less for insurance for felons is to buy only liability coverage. The information below compares insurance costs with full coverage and liability only. The prices are based on no violations or claims, $100 deductibles, drivers are single, and no other discounts are factored in.

Averaged for all age groups, comp and collision coverage costs an additional $2,051 per year over and above liability coverage. At some point, about every driver wonders if you should buy full coverage. There is no clear-cut rule of when to eliminate comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

There are some scenarios where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Get discounts on Kansas City auto insurance

Discounts on auto insurance for felonsCar insurance companies that offer cheap quotes for felons may have special discounts that can reduce rates by 25% or more if you meet eligibility requirements. A few popular companies and some of the premium reductions they offer are included below.

The illustration below illustrates the difference between car insurance costs with and without discounts. The premiums are based on a female driver, no accidents, no driving violations, Missouri state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with claim-free, anti-theft, multiple policy, safe-driver, accident-free, and marriage discounts applied. In this example, theamount saved on auto insurance for felons is 28% or $331.