What's the Average Cost of Car Insurance in Kansas City?


On average, premiums in Kansas City surpass the state average by $167. Let's compare car insurance costs in Kansas City versus premiums across the nation.


INSURANCE PREMIUMS: KANSAS CITY VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,501$1,334$1,427


Kansas City Car Insurance by Gender and Marital Status


In Kansas City, various driver characteristics, including marital status and gender, can have an effect on car insurance premiums. Being single can cost you close to $90 more per year compared to being married. Rates for those who are widowed or divorced are slightly cheaper than rates for those who are single. Usually, females have premiums that are a mere 1% more pricey than those for males.


KANSAS CITY CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,517
Male$1,501
Single$1,501
Married$1,412
Divorced$1,470
Widowed$1,480


Kansas City Auto Insurance by Credit Rating


The disparity between average car insurance premiums in Kansas City for those with Exceptional credit (800-850) and Very Poor credit (300-579) is $2,077 per year. Drivers will see the largest decrease in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them $588 per year.


KANSAS CITY CAR INSURANCE COSTS BY CREDIT LEVEL
Credit ScoreAverage Car Insurance Rate
Very Poor$3,343
Fair$2,644
Good$2,056
Very Good$1,607
Exceptional$1,266


Kansas City Auto Insurance After Accidents or Violations


Accidents and violations can 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. For individuals in Kansas City with at-fault accidents, $677 is, on average, the additional cost for car insurance over the city average. Normally, a DUI in Kansas City will cost you 42% more in car insurance premiums versus the city average ($1,501). Reckless driving will also drive your premiums up, with average rates of $2,104.


AVERAGE KANSAS CITY INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Annual Premium
DUI/DWI$2,126
Reckless Driving$2,104
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 Car Insurance by Age

At $1,264, drivers in their 50s have the lowest payments among any age group. However, those in their 60s ($1,280) aren’t paying much more. Teenage drivers have the biggest premiums of any age group, with average car insurance payments of $5,936. In Kansas City, drivers see the largest fall in premiums when they reach their 20s, as they pay an average of 65% less after moving out of the teenage age bracket. The first time drivers can expect their age to trigger a rise in car insurance premiums is when they turn 60.


KANSAS CITY CAR INSURANCE RATES BY DRIVER AGE
AgeAverage Rate
Teenagers$5,936
20s$2,092
30s$1,466
40s$1,376
50s$1,264
60s$1,280
70s$1,546


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.

91

Rainy Days a Year

39"

Avg. Annual Rainfall

13"

Avg. Annual Snowfall

Be Prepared For

Driving in KCMO

Major Highways
I-29 I-35 I-70
Public Transit
The Metro
Popular Day Trips
Atchison Excelsior Springs Weston Bend State Park

Car Insurance Companies in Kansas City

Find Local Kansas City Agents

LB7 Insurance Agency

2319 Independence Blvd Kansas City, MO 64124

JM Wilson

4700 Belleview Ste 205 Kansas City, MO 64112

Lockton Companies

444 W 47th St, Ste 900 Kansas City, MO 64112

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

Thomas McGee, L.C.

920 Main St., Suite 1700 Kansas City, MO 64105

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

William Henry Agency

324 E 11th St Ste 1809 Kansas City, MO 64106

CBIZ Insurance Services

700 West 47th Street, Suite 1100 Kansas City, MO 64112

Precision Benefits

700 W 31st St Ste 702 Kansas City, MO 64108

Dennis McLaughlin Insurance Agency

406 W 34th St Suite 802 Kansas City, MO 64111

See All

Not sure about Kansas City

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St. Louis

$1,197

The average Kansas Citian's annual cost of coverage

40%

Our customer's average savings after comparing insurance

192

That's equal to 192 cups of coffee or $479 in savings

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Kansas City Car Insurance

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