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How much is auto insurance in Kansas City?
The average car insurance rate in Kansas City is $1,902 per year. That's more than the average across Kansas ($1,622) and more expensive than the national average of $1,548. Our guide to Kansas City car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
KANSAS CITY AUTO INSURANCE RATES
|Kansas City Average (annual)||Kansas Average||United States Average|
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One of the most important determinants of your car insurance rates is the auto insurance company you work with. For a typical driver, Iowa Farm Bureau offers Kansas City's most affordable premiums. See below the best options for affordable auto insurance in Kansas City. Don't forget to get car insurance quotes based on your driving profile.
KANSAS CITY AUTO INSURANCE PREMIUMS BY COMPANY
|Insurance Company||Average Yearly Rate|
|Iowa Farm Bureau||$1,243|
The age group that enjoys the lowest auto insurance rates in Kansas City are drivers in their 50s, who pay an average of $1,607 per year. Those in their 60s don't pay significantly more ($1,622).
Teenage drivers pay Kansas City's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Kansas City is to celebrate your 20th birthday. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Kansas City is $4,107, the largest such difference between any two age groups.
KANSAS CITY CAR INSURANCE RATES BY DRIVER AGE
|Age||Average Yearly Rate|
In some cases, a driver's marital status and gender may affect their car insurance rates. In Kansas City, married drivers pay $155 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Kansas City, widowed drivers pay less than those who are single.
KANSAS CITY AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Annual Rate|
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Kansas City drivers found guilty of reckless driving face insurance rate increases of $678 per year, compared to the citywide average. A DUI violation may lead to a $752 increase, while a citation for speeding leads to a $339 rate hike.
KANSAS CITY CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Citation||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$2,371|
|At-fault Accident (damages > $2,000)||$2,727|
|Speeding Ticket (16-20 mph over speed limit)||$2,241|
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In Kansas City, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 54% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Kansas City, improving your credit to "Fair" could help you earn $1,239 in savings on insurance premiums each year.
KANSAS CITY CAR INSURANCE PREMIUMS BY CREDIT TIER
|Credit Score||Average Yearly Rate|
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.