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 AverageState AverageNational Average
$1,582$1,389$1,569


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
AgeAverage Rate
Teenagers$6,061
20s$2,197
30s$1,547
40s$1,459
50s$1,330
60s$1,335
70s$1,369


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/GenderAverage Rate
Female$1,598
Male$1,582
Single$1,582
Married$1,478
Divorced$1,550
Widowed$1,562


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
Violation/IncidentMean Rate
DUI$2,175
Reckless Driving$2,196
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
CreditAverage Auto Insurance Rate
Very Poor$3,930
Fair$2,039
Good$1,582
Very Good$1,409
Exceptional$1,275


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

2
Major Highways
I-29 I-35 I-70
2
Public Transit
The Metro
2
Popular Day Trips
Atchison Excelsior Springs Weston Bend State Park

Find Local Kansas City Agents

Cheapest Auto Insurance

B, 7211 NW 83 St #255 Kansas City, MO 64152

Lockton Companies

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

Dennis McLaughlin Insurance Agency

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

Thomas McGee, L.C.

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

LB7 Insurance Agency

2319 Independence Blvd Kansas City, MO 64124

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

Tallman Insurance Agency

406 W 34th St Ste 806 Kansas City, MO 64111

Medical Liability Specialists

310 Armour Rd Ste 200 Kansas City, MO 64116

JM Wilson

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

Precision Benefits

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

Not sure about Kansas City

Check out these other Missouri cities...

St. Louis

2

$1,197

The average Kansas Citian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

192

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

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Recent Questions:

Kansas City Car Insurance

How do I handle car insurance after my husband's death?

I'm sorry to hear your husband has passed. Every company is different when it comes to their process when a spouse passes away.

Liability coverage or comprehensive coverage for 04 Nissan Altima

There are a few things to consider when selecting coverage. The age of the vehicle is one of them.

I have a loan on my car but don't drive do i need insurance

Because you have a loan on the car, you more than likely will have to carry comprehensive and collision coverage as well as your state required liability insurance. This is because whoever holds the loan has a financial investment on the vehicle and if anything were to happen to it, they would be left vulnerable.

What coverage should I get if I own a home?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;There is no specific requirement as to what level of coverage a homeowner must carry on their auto insurance, however, the point of liability coverage is to pay for injury and damage that you might cause in an accident. Your home is your largest asset and you should be aware of the importance of protecting that asset against civil lawsuits arrising from exceeding the amount of coverage on your auto insurance policy due to an accident.