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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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.
|Lee's Summit Average (annual)||Missouri Average||National Average|
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.
|Insurer||Average Annual Rate|
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.
|Age||Average Annual Rate|
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.
|Gender/Marital Status||Average Annual Rate|
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.
|Violation/Incident||Average Annual Rate|
|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|
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.
|Credit Tier||Average Yearly Rate|
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.