Lee's Summit, MO Car Insurance

Auto insurance costs an average of $145 per month in Lee's Summit. If you're paying too much, compare rates and save.

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What is the average cost of car insurance in Lee's Summit?


The average cost of car insurance in Lee's Summit, Missouri, is $1,751 each year. That's greater than than the average rate in Missouri ($1,736) and pricier than the U.S. average of $1,548. Our guide to Lee's Summit car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more.


CAR INSURANCE: LEE'S SUMMIT RATES VS. STATE + NATIONAL AVERAGES
Lee's Summit Average (annual)Missouri AverageNational Average
$1,751$1,736$1,548


Table of contents:


Lee's Summit car insurance rates by company


One of the most important factors in determining your car insurance costs is the insurance company you work with. For a typical driver, State Farm offers Lee's Summit's most affordable premiums. See below the best companies for cheap auto insurance in Lee's Summit.


LEE'S SUMMIT CAR INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
State Farm$1,148
American Family$1,693
Progressive$1,712
Farmers$1,751
GEICO$1,812


Consult our expert guide to finding the best cheap car insurance.



Car insurance rates by age bracket in Lee's Summit

The age group that pays the least for car insurance in Lee's Summit are drivers in their 50s ($1,446 per year). Those in their 60s don't pay much more ($1,452).

Teenage drivers pay Lee's Summit's most expensive car insurance rates. When Lee's Summit drivers hit their 20s, their insurance rates drop substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Lee's Summit is $3,898, the largest such difference between any two age brackets.


LEE'S SUMMIT CAR INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Annual Rate
Teenagers$6,167
20s$2,269
30s$1,708
40s$1,581
50s$1,446
60s$1,452
70s$1,714


Learn more about how age influences auto insurance rates.



Lee's Summit car insurance rates by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance premiums. 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 Lee's Summit pay $161 less than single drivers for auto insurance.

Gender is another factor that can impact auto insurance costs. In Lee's Summit, female drivers pay $6 per year more than do male drivers for car insurance.


LEE'S SUMMIT AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,757
Male$1,751
Single$1,751
Married$1,590
Divorced$1,704
Widowed$1,671


Learn more about the impact gender and marital status have on insurance costs.



Lee's Summit auto insurance premiums by driving history


No matter where you live, avoiding accidents and violations is the best way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to a jump in your car insurance premiums, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Lee's Summit, a reckless driving citation results in an average insurance rate increase of $657 per year, compared to the citywide average. For the sake of comparison, a DUI offense results in a $649 increase, and a speeding ticket causes a $394 rate hike.


LEE'S SUMMIT CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage Annual Rate
DWI/DUI$2,400
Reckless Driving$2,408
At-fault Accident (damages less than $1,000)$2,401
At-fault Accident (damages greater than $2,000)$2,632
Speeding Ticket (16-20 mph over speed limit)$2,145


Learn more about citations' impact on your auto insurance rates.



Lee's Summit car insurance rates by credit tier


It's no secret that credit score is closely correlated with auto insurance rates. Lee's Summit drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 61% on their car insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in the search for cheaper car insurance rates. In Lee's Summit, improving your credit to "Fair" corresponds with an $805 decrease in annual car insurance rates.


LEE'S SUMMIT CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Yearly Rate
Very Poor$3,639
Fair$2,834
Good$2,270
Very Good$1,840
Exceptional$1,427


Learn more about the relationship between credit and car insurance.



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