How Much are Kansas City Car Insurance Quotes for Veterans?

The make and model of vehicle you are trying to insure is probably the largest consideration when looking for cheaper insurance for veterans. Vehicles with higher performance characteristics, poor safety features, or a track record of large liability claims will cost more to insure than safer, lower-performance models.

The table below showcases insurance rates for a handful of the more affordable vehicles to insure in Missouri.

Cheapest Vehicles to Insure in Kansas City, MO
Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 4WD $1,458
Honda Accord LX-P 4-Dr Sedan $1,471
Ford Escape XLT 4WD $1,509
Honda Odyssey EX $1,512
Chevrolet Impala LS $1,521
Ford Edge SEL AWD $1,512
Ford F-150 Lariat Super Cab 4WD $1,571
Toyota Prius $1,581
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,617
Toyota Tacoma Double Cab 4WD $1,687
Toyota Camry LE $1,693
Toyota RAV4 Sport 2WD $1,736
Dodge Grand Caravan Hero $1,745
Chevrolet Malibu LS $1,736
Jeep Grand Cherokee Laredo 4WD $1,742
Ford Explorer Limited 4WD $1,774
Ford Focus SEL 4-Dr Sedan $1,777
Ford F-350 Super Cab Cabela Turbo Diesel 2WD $1,795
Nissan Altima Hybrid 4-Dr Sedan $1,810
Toyota Corolla S $1,815
Hyundai Elantra GLS 4-Dr Sedan $1,823
GMC Sierra 3500HD SLT Extended Cab 2WD $1,844
Dodge Ram 2500 Crew Cab ST 2WD $1,846
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in specific zip code location which can revise prices substantially.

Based upon these rates, you can expect vehicles like the Honda CR-V, Honda Accord, and Ford Escape are likely to be a few of the more affordable vehicles to insure for veterans.

Establishing which companies have the lowest-priced auto insurance rates for veterans may require a tad more effort than just picking a company at random.

Every auto insurer uses a slightly different approach to set policy rates, so to begin we’ll rank the auto insurance companies with the overall best prices in Missouri. It’s important that you understand Kansas City, MO auto insurance rates are impacted by many things that control your annual premium. Simply getting older, buying another vehicle, or getting a ticket for running a stop sign can cause premium changes that can now make some companies more affordable than competitors.

Cheap Insurance Rates for Vets

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Cheapest insurance companies in Missouri
Rank Company Cost Per Year
1 USAA $662
2 The Hartford $817
3 Allied $849
4 Electric $867
5 Auto-Owners $1,007
6 Travelers $1,038
7 MO Farm Bureau $1,063
8 Nationwide $1,109
9 Farmers $1,151
10 Cameron Mutual $1,190
11 State Farm $1,234
12 American Family $1,253
13 Safeco $1,370
14 Progressive $1,382
15 Safe Auto $1,405
16 GEICO $1,406
17 MetLife $1,430
18 Shelter $1,447
19 California Casualty $1,469
20 Auto Club $1,488
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USAA may offer some of the best car insurance rates in Kansas City at around $662 a year. This is $600 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners also qualify as some of the best Kansas City, MO insurance companies.

In the above example, if you currently have a policy with Electric and switched to The Hartford, you might realize yearly savings of around $50. Drivers with Auto-Owners might save as much as $190 a year, and Travelers insureds might lower prices by up to $221 a year.

Be aware that those policy prices are averages for all drivers and vehicles in Missouri and and are not calculated with a specific location for veterans. So the insurer that is best for you may not even be in the top 23 companies shown above. That point stresses why you need to get auto insurance quotes using your own driver data and vehicle information.

Auto insurance rates are higher with tickets and accidents

In a perfect world, the ideal way to earn low auto insurance rates in Kansas City for veterans is to be a good driver and avoid traffic citations and accidents. The example below demonstrates how speeding tickets and at-fault claims impact insurance costs for each age group. Data assumes a married male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

In the chart above, the average cost of an auto insurance policy in Kansas City per year with a clean driving record and no accidents is $1,271. Factor in two speeding tickets and the average cost jumps to $1,743, an increase of $472 each year. Then add two accidents along with the two speeding tickets and the annual cost of auto insurance for veterans increases to an average of $3,732. That’s an increase of $2,461, or $205 per month, just for not being attentive to the road!

Difference between liability only and full coverage rates

Buying cheaper auto insurance is the goal of the majority of drivers, and one good way to find cheap insurance for veterans is to only pay for liability coverage. The example below compares insurance prices with and without physical damage coverage. The rates are based on no tickets, no at-fault accidents, $1,000 deductibles, single status, and no additional discounts are factored in.

If we average the cost for ages 20 through 70, physical damage coverage on your policy costs $1,498 per year over and above liability only. That brings up the question if full coverage is worth the money. There is no clear-cut formula for eliminating comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s pretend your vehicle’s claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying your policy deductible. If premium cost is more than $200 annually for your policy with full coverage, then it could be time to drop full coverage.

There are a few situations where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not drop full coverage.

How to find budget-friendly auto insurance for veterans

It’s not impossible to find cheaper rates, and here are some money-saving suggestions that can help Missouri drivers locate cheap auto insurance.

That last idea is certainly vital, as was discussed in the prior article. Prices charged by auto insurers can be adjusted at any time, so don’t be afraid to buy a different policy if a more affordable rate is found. Many drivers prefer to stick with one company, but it’s not a great idea if that devotion results in you overpaying lots of money. Spend a few minutes and compare prices and find cheaper car insurance for veterans in Kansas City.