UPDATED: Mar 13, 2020
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Cheap Car Insurance in Kansas City, KS
Do you need auto insurance in Kansas City? At AutoInsuranceEZ.com, you can easily find the very best insurance rates in your city. To receive free car insurance quotes from the top rated providers today, provide your zip code into the quote box on this page.
Not to be confused with its sister city in Missouri, “KCK” (Kansas City, Kansas) sits at the junction of the Kansas and Missouri rivers, also known as Kaw Point. Economically, Kansas City is a busy place. General Motors runs an assembly plant there where the popular Buick LaCrosse and Chevy Malibu models are produced. Moreover, Google is testing a new revolutionary fiber-optic network which is set to go online in the year 2012.
- Fun fact: Did you know that Kansas City is #2 on the list of “Top 101 cities with largest percentage of females in occupations: Construction, extraction, maintenance, and repair occupations: (population 50,000+)”? Learn more about Kansas City, KS.
Auto Insurance Coverage Requirements in Kansas
Driving legally in Kansas City requires:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||10,000||50,000|
|Uninsured Motorist Bodily Injury||25,000/50,000||100,000/300,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||250 deductible|
Just remember that Liability and Uninsured Motorist coverage won’t pay out claims in all situations. These forms of insurance only cover when an accident is your fault, or when a motorist who is driving illegally without insurance causes an accident.
The average Kansas driver could end up paying as much as $113 per month, depending on many factors. However, if you choose the right company, have a clean record, and a good credit score, you could be paying as low as $31/month* for Kansas car insurance.
It looks like Nationwide and State Farm are offering some of the lowest rates in Kansas City right now. But low rates aren’t everything. Just because a company offers a cheap monthly premium doesn’t mean they also have great customer service, or expedient claims filing.
Auto insurance providers contemplate many variables when figuring out insurance quotes, including marital status, where you live, occupation, years of driving experience, and theft protection devices. Also keep in mind that premiums differ from provider to provider. To verify you’re still paying the most favorable rate, compare cheap Kansas City auto insurance quotes online.
Major Car Insurance Factors in Kansas City
There are many ways your car insurance rate can be estimated. But not all of it is out of your control; there are actions you can take so that you can influence what discounts you are entitled to get. Listed below are some of these elements in greater detail:
Your Zip Code
Where you park your car each night will have a major impact on your auto insurance rate. Generally, car insurance is cheaper in rural areas because fewer cars means a smaller chance that you will get into a collision with another vehicle. The population of Kansas City is 148,483 and the median household income is $37,789.
If you live in a high-traffic area notorious for motor vehicle accidents, it is likely that your monthly premiums will reflect this danger in the form of a higher payment. You can see the fatal accident statistics for Kansas City in the chart below. There were 10 fatalities recorded in 2013, which is low compared to some areas, but your automotive insurance company may still adjust their rates accordingly.
Auto Thefts in Kansas City
Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. The total number of stolen vehicles in Kansas City was 1,045 back in 2013. Although thefts are on the decline, they’re still fairly high. You might want to protect your investment by adding Comprehensive coverage to your insurance policy.
Your Credit Score
Most people don’t realize how important their credit score is when determining their automobile insurance premiums. If you have poor credit, your monthly rate can be as high as double or triple that of someone with an excellent credit history.
As unfair as it seems, young teenage drivers with little experience behind the wheel are charged higher rates. This is because they are more likely to get into accidents than older drivers. But if you qualify for good student or driving school discounts, it could lower your rate.
Your Driving Record
The cleaner your driving record, the better. The more tickets and citations you have, the more expensive your monthly insurance rates will be. And if you have something serious on your record, such as a DUI, some providers may refuse to give you auto insurance (or drop you as a customer).
As you can see from the chart below, it costs substantially more to insure a luxury vehicle than a typical fuel-efficient sedan. In addition to the higher price of the luxury vehicle (and therefore higher replacement costs if it gets damaged or stolen), most drivers tend to purchase more insurance coverage. And the more coverage your purchase, the higher your monthly rate will be.
Minor Car Insurance Factors in Kansas City
Of course, there are also these other premium-altering factors:
Your Marital Status
For individual policies, marital status will only alter the cost of your policy by 2-3%, if at all. However, married couples can get big discounts by bundling their policies together. And if you have homeowner’s or renter’s insurance, you can save even more by bundling those, too.
Our analysis of the data shows no significant difference in monthly premiums between male and female drivers. Some companies might charge women more, while others might charge men a higher rate. But even for companies who charge different prices, it usually varies by no more than 2-3%.
Your Driving Distance to Work
While the average driver can anticipate an 18-23 minute work commute on any given day, 20-25 minutes is also a highly likely estimate. Just over three-quarters of workers drive their own car to the office alone, around 4-28% enjoy carpooling.
You can save a few dollars each month by limiting your mileage. But even if you cut your driving miles by 3,000-5,000 in a single year, your monthly premium won’t go down by more than 2-3%. However, business vehicles can cost 10-12% more to insure than vehicles for personal use.
Your Coverage and Deductibles
If you add additional coverage options to your policy, you can lower your monthly payments by raising your deductible. Keep in mind, though, that if you ever have to file a claim, you should have the cash on hand to be able to pay that deductible.
Education in Kansas City, KS
If you’re one of the many Kansas City residents thinking about going back to school, consider this: drivers with higher forms of education are often rewarded with lower rates by their insurance providers. It’s even more effective than having a nice salary or a fancy job. In Kansas City, nearly one-third of all motorists have a high school diploma. More than a quarter have yet to complete their high school education.
Residents in Kansas City have a few different options when it comes to higher education. The Donnelly College is a private, four-year school which is affiliated with the Catholic Church. They offer health care certification, ESL courses, and various bachelor’s and associates degrees. If you’re looking for more of a public option, you might want to look into the Kansas City Kansas Community College or the University Of Kansas Medical Center.
Finding affordable auto insurance can be a hassle. There’s a lot of information you need to consider, and figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong policy.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
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