Car Insurance in Kansas City
Kansas City premiums are $167 higher than the state average, which is why the city is recognized for its costly premiums. Who doesn't like to save money? Check out some methods to save on car insurance in Kansas City.
- City Average: $1,501
- State Average: $1,334
- National Average: $1,427
Kansas City Car Insurance by Accident or Violation History
By knowing which driving mishaps can make your car insurance premiums spike, 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. Being at-fault in an accident costs drivers an additional $677 per year to insure your vehicle in Kansas City. Usually, a DUI in Kansas City will cost you 42% more in car insurance premiums versus the city average of $1,501. Reckless driving will bump your rates up as well, with typical rates of $2,104.
- DUI: $2,126
- Reckless Driving: $2,104
- At-fault Accident (damages less than $1000): $2,178
- At-fault Accident (damages greater than $2000): $2,178
- Speeding Ticket (16-20 mph over speed limit): $1,888
Kansas City Car Insurance by Age
Among all age groups, drivers in their 50s have the lowest car insurance rates, with rates of $1,264/year. Those in their 60s ($1,280) have premiums that aren't much higher. When drivers hit their 20s in Kansas City, therefore moving out of the teenage age range, they can save $3,843 on car insurance, the largest difference between any age group. While insurance rates for drivers will continue to shrink through their 50s, they should expect an increase when they hit 60. With typical payments of $5,936, teenage drivers pay the most in car insurance premiums.
- Teenagers: $5,936
- 20s: $2,092
- 30s: $1,466
- 40s: $1,376
- 50s: $1,264
- 60s: $1,280
- 70s: $1,546
Kansas City Car Insurance by Gender and Marital Status
Gender and marital status can play a role in your car insurance premiums in Kansas City. Being married, as opposed to single, can save you 6% per year on car insurance. Rates for those who are widowed or divorced are marginally cheaper than rates for those who are single. Premiums for men and women normally differ by a mere 1%, with women paying more.
- Female: $1,517
- Male: $1,501
- Single: $1,501
- Married: $1,412
- Divorced: $1,470
- Widowed: $1,480
Kansas City Car Insurance by Credit Rating
There is a difference of $2,077/year between car insurance premiums for those with Very Poor credit (300-579) and Exceptional credit (800-850). The greatest benefit of better credit comes from boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $588 per year.
- Very Poor: $3,343
- Fair: $2,644
- Good: $2,056
- Very Good: $1,607
- Exceptional: $1,266
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
Medical Liability Specialists
310 Armour Rd Ste 200 Kansas City, MO 64116
700 W 31st St Ste 702 Kansas City, MO 64108
LB7 Insurance Agency
2319 Independence Blvd Kansas City, MO 64124
Cheapest Auto Insurance
B, 7211 NW 83 St #255 Kansas City, MO 64152
Tallman Insurance Agency
406 W 34th St Ste 806 Kansas City, MO 64111
444 W 47th St, Ste 900 Kansas City, MO 64112
Dennis McLaughlin Insurance Agency
406 W 34th St Suite 802 Kansas City, MO 64111
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
4700 Belleview Ste 205 Kansas City, MO 64112
Aon Risk Services Central
4801 Main St # 350 Kansas City, MO 64112
CBIZ Insurance Services
700 West 47th Street, Suite 1100 Kansas City, MO 64112
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Kansas City Car Insurance
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