How Much Does Auto Insurance Cost in Kansas City?
Premiums in Kansas City surpass the state average by 14%, which is why the city is recognized for its costly premiums. Let's compare car insurance costs in Kansas City versus premiums across the nation.
CAR INSURANCE PRICES: KANSAS CITY VS. STATE/NATIONAL MEAN
|City Average||State Average||National Average|
Kansas City Auto Insurance Premiums by Age Bracket
With average rates of $6,061, teenage drivers pay the most in car insurance premiums. Drivers in their 50s save money on car insurance payments, as they have the smallest rates among all age groups, paying only $1,330 every year. People in their 60s and 70s aren't paying much more, with premiums of $1,335 and $1,369, respectively. When Kansas City drivers reach their 20s, therefore moving out of the teenage age range, they save an average of 64%. You will not see a more significant change between any other age group. Car insurance premiums for drivers in Kansas City continue to decrease through their 50s, but they can expect an increase when they turn 60.
KANSAS CITY CAR INSURANCE RATES BY DRIVER AGE
Kansas City Auto Insurance by Gender and Marital Status
Both marital status and gender influence your car insurance premiums in Kansas City. Rates for those who are divorced or widowed are slightly cheaper than rates for those who are single. Being single, as opposed to married, can cost you an average of $104 more per year on car insurance. Luckily for men, their premiums tend to be 1% cheaper than for women.
KANSAS CITY CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Kansas City Car Insurance for High-Risk Drivers
Does your driving record show a history of accidents or violations? That may cost you in terms of premiums. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Being at-fault in an accident with damages exceeding $2,000 costs you another 14% per year in premiums compared to an accident with damages less than $1,000. $593 is the additional cost per year for drivers with a DUI in Kansas City, compared to the city average of $1,582. Reckless driving will drive your premiums up as well, with typical rates of $2,196. That is 39% higher than the city average.
AVERAGE KANSAS CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$1,987|
|At-fault Accident (damages greater than $2,000)||$2,260|
|Speeding Ticket (16-20 mph over speed limit)||$1,901|
Kansas City Car Insurance by Credit Level
Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you 68% each year on car insurance. Drivers can save close to $1,891 per year when they improve their credit tier from Very Poor (300-579) to Fair (580-669).
KANSAS CITY CAR INSURANCE RATES BY CREDIT TIER
|Credit||Average Auto Insurance Rate|
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
3BS of KC dba Krueger and James Ins Agency
1126 Swift Ave, Kansas City, MO 64116
William Henry Agency
324 E 11th St Ste 1809, Kansas City, MO 64106
444 W 47th St, Ste 900, Kansas City, MO 64112
4700 Belleview Ste 205, Kansas City, MO 64112
Cheapest Auto Insurance
B, 7211 NW 83 St #255, Kansas City, MO 64152
Dennis McLaughlin Insurance Agency
406 W 34th St Suite 802, Kansas City, MO 64111
Medical Liability Specialists
310 Armour Rd Ste 200, Kansas City, MO 64116
Tallman Insurance Agency
406 W 34th St Ste 806, Kansas City, MO 64111
700 W 31st St Ste 702, Kansas City, MO 64108
Aon Risk Services Central
4801 Main St # 350, Kansas City, MO 64112
Thomas McGee, L.C.
920 Main St., Suite 1700, Kansas City, MO 64105
LB7 Insurance Agency
2319 Independence Blvd, Kansas City, MO 64124
CBIZ Insurance Services
700 West 47th Street, Suite 1100, Kansas City, MO 64112
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