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 Average||State Average||National Average|
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/Gender||Average Rate|
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 Score||Average Car Insurance Rate|
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 Violation||Average Annual Premium|
|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
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
LB7 Insurance Agency
2319 Independence Blvd Kansas City, MO 64124
4700 Belleview Ste 205 Kansas City, MO 64112
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
700 W 31st St Ste 702 Kansas City, MO 64108
Dennis McLaughlin Insurance Agency
406 W 34th St Suite 802 Kansas City, MO 64111
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