How much does auto insurance cost in Kansas City?
The average car insurance rate in Kansas City, Missouri, is $1,991 per year. That's greater than than the statewide average in Missouri ($1,736) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Kansas City.
KANSAS CITY CAR INSURANCE RATES
|Kansas City Average (annual)||Missouri Average||U.S. Average|
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Kansas City car insurance rates by provider
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Kansas City, State Farm provides the most affordable rates for the typical insurance customer. We've listed the best cheap car insurance companies in Kansas City below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
KANSAS CITY AUTO INSURANCE RATES BY COMPANY
|Company||Average Yearly Rate|
Car insurance rates by age bracket in Kansas City
Kansas City drivers in their 50s pay relatively affordable car insurance rates just $1,648each year, on average. Rates for Kansas City drivers in their 60s are also relatively affordable, at just $1,665 per year.
Teenage drivers pay Kansas City's most expensive insurance rates. When Kansas City drivers hit their 20s, their insurance rates drop substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Kansas City is $4,826, the largest such difference between any two age groups.
KANSAS CITY AUTO INSURANCE PREMIUMS BY DRIVER AGE
|Age group||Average Yearly Rate|
Kansas City auto insurance rates by marital status and gender
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Kansas City pay $183 less than single drivers for auto insurance. 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.
Another component of auto insurance pricing is gender. In Kansas City, female drivers pay $16 per year more than do male drivers.
KANSAS CITY CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Kansas City car insurance rates by accident and citation history
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
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 $745 per year, compared to the citywide average. A DUI violation may lead to a $742 increase, while a citation for speeding leads to a $451 rate hike.
KANSAS CITY CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation/Incident||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$2,723|
|At-fault Accident (damages > $2,000)||$2,991|
|Speeding Ticket (16-20 mph over speed limit)||$2,442|
Kansas City car insurance rates by credit level
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. Kansas City drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 67% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Kansas City, moving into the "Fair" credit tier corresponds to an average of $2,031 in savings on insurance each year.
KANSAS CITY AUTO INSURANCE RATES BY CREDIT TIER
|Credit Score||Average Rate (annual)|
What drives up car insurance rates in Kansas City?
Where you live in Kansas City affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Kansas City is no exception to the rule. From ZIP code 64086 to 64128, premiums rise by 39 percent—that’s $403.
Expensive Kansas City ZIP codes: 66118, 64127, 66104, 64109, 64128
Cheap Kansas City ZIP codes: 64086, 64081, 64079, 64012, 64089
Kansas City Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Kansas City, you can expect 91 rainy days with an annual rainfall of 39.1 inches. Kansas City is also known to experience severe winter storms.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Kansas City
Find Local Kansas City Agents
Aon Risk Services Central
4801 Main St # 350, Kansas City, MO 64112
Cheapest Auto Insurance
B, 7211 NW 83 St #255, Kansas City, MO 64152
444 W 47th St, Ste 900, Kansas City, MO 64112
Tallman Insurance Agency
406 W 34th St Ste 806, Kansas City, MO 64111
William Henry Agency
324 E 11th St Ste 1809, Kansas City, MO 64106
700 W 31st St Ste 702, Kansas City, MO 64108
LB7 Insurance Agency
2319 Independence Blvd, Kansas City, MO 64124
3BS of KC dba Krueger and James Ins Agency
1126 Swift Ave, Kansas City, MO 64116
Medical Liability Specialists
310 Armour Rd Ste 200, Kansas City, MO 64116
4700 Belleview Ste 205, Kansas City, MO 64112
Thomas McGee, L.C.
920 Main St., Suite 1700, Kansas City, MO 64105
CBIZ Insurance Services
700 West 47th Street, Suite 1100, Kansas City, MO 64112
Dennis McLaughlin Insurance Agency
406 W 34th St Suite 802, Kansas City, MO 64111
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