What's the Cost of Car Insurance in Kansas City?
It is known that Missouri has low-cost premiums, as its mean rate sits under the national average by 7%. However, premiums run higher in the city, so if you are insuring a vehicle in Kansas City, understanding premium costs is imperative. Keep some money in your pocket by following our tips and saving on car insurance in Kansas City.
AUTO INSURANCE RATES: KANSAS CITY VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Kansas City Car Insurance With Accidents or Violations
By knowing which driving mishaps can balloon the cost of insurance rates, you can make better decisions and save money. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. No one plans on getting into an accident, but stuff happens, so be aware of what can happen to your rates following one. Being at-fault in an accident costs drivers an extra $677 per year to insure your vehicle in Kansas City. In Kansas City, drivers with a DUI have rates $625 higher than the city average of $1,501. Reckless driving will push your rates up as well, with typical rates of $2,104. That is 40% higher than the city average.
AVERAGE KANSAS CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,178|
|At-fault Accident (damages greater than $2,000)||$2,178|
|Speeding Ticket (16-20 mph over speed limit)||$1,888|
Kansas City Auto Insurance by Marital Status and Gender
There are numerous factors, including marital status and gender, that have an effect on car insurance premiums in Kansas City. Premiums for men and women tend to vary by a mere 1%, with women paying more. Rates for those who are divorced or widowed are slightly cheaper than rates for those who are single. Being married can save you 6% per year compared to being single.
KANSAS CITY CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Kansas City Auto Insurance by Credit Level
For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Drivers can save nearly $588 per year when they upgrade their credit tier from Fair (580-669) to Good (670-739).
KANSAS CITY AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Quality||Average Auto Insurance Rate|
Kansas City Car Insurance Premiums by Age Bracket
In Kansas City, drivers see the most significant dip in premiums when they hit their 20s, as they pay an average of 65% less after moving out of the teenage age range. Turning 60 triggers a rise in premiums, but up until that point drivers can expect premium reductions when they move between age groups. Drivers in their 50s save money on insurance premiums, as they have the smallest rates among all age groups, paying only $1,264 annually. People in their 60s ($1,280) aren’t paying significantly more. Teenage drivers have the biggest premiums out of all the age groups. They pay around $5,936 per year on car insurance premiums.
KANSAS CITY AUTO INSURANCE PREMIUMS BY AGE
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Kansas City Agents
William Henry Agency
324 E 11th St Ste 1809 Kansas City, MO 64106
4700 Belleview Ste 205 Kansas City, MO 64112
Dennis McLaughlin Insurance Agency
406 W 34th St Suite 802 Kansas City, MO 64111
Tallman Insurance Agency
406 W 34th St Ste 806 Kansas City, MO 64111
Aon Risk Services Central
4801 Main St # 350 Kansas City, MO 64112
Medical Liability Specialists
310 Armour Rd Ste 200 Kansas City, MO 64116
Cheapest Auto Insurance
B, 7211 NW 83 St #255 Kansas City, MO 64152
3BS of KC dba Krueger and James Ins Agency
1126 Swift Ave Kansas City, MO 64116
Thomas McGee, L.C.
920 Main St., Suite 1700 Kansas City, MO 64105
444 W 47th St, Ste 900 Kansas City, MO 64112
LB7 Insurance Agency
2319 Independence Blvd Kansas City, MO 64124
700 W 31st St Ste 702 Kansas City, MO 64108
CBIZ Insurance Services
700 West 47th Street, Suite 1100 Kansas City, MO 64112
Not sure about Kansas City
Check out these other Missouri cities...
The average Kansas Citian's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Kansas City
Just enter your zip code to get started
Kansas City Car Insurance
Liability coverage or comprehensive coverage for 04 Nissan Altima
Planning on buying an ’04 Nissan Altima. As a first time auto insurance buyer, I’m not sure if I should ...
I have a loan on my car but don’t drive do i need insurance
I am not driving my car for personal reasons but i owe payment do i need to have insurance still ...
Kansas City Car Insurance
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Digital Insurance Cards: Which States Accept Them?
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The Rundown on “No Refusal” Weekends
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...