Kansas City, KS Car Insurance

The Zebra
July 25, 2018

Car Insurance in Kansas City

On average, premiums in Kansas City are $260 greater than Kansas' average. Keep some money in your pocket by following the tips below about how to save on car insurance in Kansas City.

  • City Average: $1,687
  • State Average: $1,427
  • National Average: $1,427

Kansas City Car Insurance by Age

In Kansas City, drivers see the greatest reduction in premiums when they hit their 20s, as they save an average of $3,880 from moving out of the teenage age range. When drivers turn 60, they will experience a rate increase related to their age for the first time. Among all age groups, drivers in their 50s have the smallest insurance payments, with rates of $1,428 per year. People in their 60s ($1,445) also have relatively low premiums. With average car insurance payments of $6,192, teenage drivers have the biggest premiums out of all the age groups.

  • Teenagers: $6,192
  • 20s: $2,312
  • 30s: $1,645
  • 40s: $1,568
  • 50s: $1,428
  • 60s: $1,445
  • 70s: $1,729

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Kansas City Car Insurance by Accident or Violation History

Having a flawless driving record is important if you want to keep the price of car insurance rates minimal. Even among safe drivers, accidents happen, so be prepared and learn how your rates can change following one. For individuals in Kansas City with at-fault accidents, $663 is the amount by which annual insurance premiums can be expected to rise. Usually, a DUI in Kansas City will cost you 35% more in car insurance premiums versus the city average ($1,687). Reckless driving will push your rates up as well, with typical rates of $2,474.

  • DUI: $2,276
  • Reckless Driving: $2,474
  • At-fault Accident (damages less than $1000): $2,350
  • At-fault Accident (damages greater than $2000): $2,350
  • Speeding Ticket (16-20 mph over speed limit): $2,042

Kansas City Car Insurance by Gender and Marital Status

Car insurance premiums in Kansas City differ based on driver traits such as marital status and gender. $26 is the amount by which men's and women's car insurance premiums deviate. You can save an average of $148 per year if you're married as opposed to single or divorced. Rates for those who are widowed are relatively cheaper than rates for those who are single.

  • Female: $1,713
  • Male: $1,687
  • Single: $1,687
  • Married: $1,539
  • Divorced: $1,687
  • Widowed: $1,640

Kansas City Car Insurance by Credit Rating

Drivers with Very Poor credit (300-579) pay an average of more than twice as much each year on premiums than those with Exceptional credit (800-850). Moving from Very Poor (300-579) to Fair (580-669) brings in the largest decrease in premiums, as drivers save nearly $473 per year.

  • Very Poor: $3,145
  • Fair: $2,614
  • Good: $2,141
  • Very Good: $1,776
  • Exceptional: $1,476