Kansas City, MO Auto Insurance | Cheap Car Insurance in Kansas City, MO
The average Kansas City, MO auto insurance rates are around $317/mo or $3,803 annually. Some major factors that impact your auto insurance rates in Kansas City, Missouri, include your ZIP code, driving record, age, and vehicle theft rates in your neighborhood. Minor factors that influence what you pay include your marital status, gender, and commute length. However, insurance providers in Kansas City weigh each factor differently when calculating your rates. Read on to discover what company is most compatible with you.
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UPDATED: Nov 20, 2020
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Are you ready to compare auto insurance rates in Kansas City, MO? On Average, Kansas City, MO auto insurance costs $317 per month or $3,803 annually. However, many factors influence your individual premiums, including your driving record, age, and even your ZIP code.
Affordable Kansas City, MO auto insurance does not have to be hard to find.
Read on to learn everything you need to know about Kansas City, MO auto insurance from rates to requirements and everything in between. Can’t wait to buy Kansas City, MO auto insurance? Enter your five-digit Kansas City ZIP code into our FREE tool above to receive rates from reputable providers near you.
How much is Kansas City, Missouri, auto insurance on average?
Let’s start off by looking at the average auto insurance rates in Kansas City, Missouri. In the table below, you can view the average cost of Kansas City, MO auto insurance compared to the state and national averages.
|Kansas City, MO Average Monthly Rate||Missouri Average Monthly Rate||National Average Monthly Rate|
Kansas City’s average auto insurance rate is $317 per month, which is substantially more than the national average and is also higher than the Missouri state average.
There are many reasons why Kansas City’s auto insurance is more expensive. Read on to learn how you can lower the average auto insurance rate in Kansas City, MO.
Enter your ZIP code below to compare auto insurance rates.
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Auto Insurance Coverage Requirements in Missouri
Auto insurance is legally required in 49 states, including Missouri. You must carry a minimum level of auto insurance in order to lawfully drive on the roads.
See what those exact limits are in the table below, compared to the most common auto insurance levels Missouri drivers usually take out.
|Coverage Type||Missouri Minimum Legal Requirements||Most Common Missouri Policy Limits|
|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||25,000/50,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||250 deductible|
If budget is your primary concern, you can purchase a basic policy that meets these minimum requirements relatively cheaply. However, know that there will be some gaps in your coverage, as liability and uninsured driver bodily injuries coverage are usually limited.
This basic policy will only cover damages to the other driver whenever you cause any kind of accident, or damages to you if an uninsured driver physically harms you on the road. In any other scenario, you will have to fix your car or pay for any hospital bills entirely out-of-pocket.
Your average Missouri driver most likely pays around $317 monthly on their own. This is a decent average price, however, you can lower your rates even more as a Kansas City motorists if you find the right company for you.
In the chart below, you can compare average monthly auto insurance rates from different insurance providers in the Kansas City, MO area. Check it out.
Cal Casualty, Allstate, and Allied are providing some of the cheapest auto insurance in Missouri near you at this time. However, just because these companies are providing the cheapest rates, that does not mean those are the best providers. It’s possible that those companies are the least expensive, but have a convoluted claims process.
Progressive or AAA auto insurance in Kansas City, MO may be worth looking into, for example.
Similarly, insurance providers consider different factors when figuring out insurance prices. In particular, your marital status, ZIP code, occupation, miles driven each year, and any theft protection devices installed on your vehicle will all impact your rates. Your premiums will differ from one company to another.
Therefore, you would be wise to research every aspect of the insurance companies you’re considering before you come to any decisions. To verify you are still being charged the best fee, compare multiple cheap Kansas City automobile insurance quotes from different providers
Major Auto Insurance Factors in Kansas City, Missouri
Many different variables go into calculating auto insurance rates, and every provider uses a slightly different formula. These factors will play a major role in what types of auto insurance in Kansas City, MO you’ll be able to purchase.
Therefore, it’s vital for you to compare rates from multiple companies so you can be certain you’ve found your best match.
In the table below, we compare average annual auto insurance rates real people pay in Kansas City, MO. Find where you best fit to get a general idea of how much auto insurance is going to cost you.
|Group||Average Annual Rates for a Married 60-Year-Old Female||Average Annual Rates for a Married 60-Year-Old Male||Average Annual Rates for a Married 35-Year-Old Female||Average Annual Rates for a Married 35-Year-Old Male||Average Annual Rates for a Single 25-Year-Old Female||Average Annual Rates for a Single 25-Year-Old Male||Average Annual Rates for a Single 17-Year-Old Female||Average Annual Rates for a Single 17-Year-Old Male|
As you can see, USAA provides some of the most affordable rates no matter your age or gender. However, only military personnel and their families are eligible to use services from this provider.
Nationwide and State Farm are affordable options for Kansas City residents who are not in the military.
What ZIP codes have the cheapest auto insurance rates in Kansas City, Missouri?
Where you park your car at night matters to your insurance provider. Therefore, your ZIP code will impact your auto insurance rates.
Think about it. If you live in a Kansas City neighborhood with higher than average crime rates, it increases the risk of your vehicle being stolen.
If you live in a neighborhood with a higher population density, there will be more cars on the roads and it’ll increase your chances of getting in an accident. Either way, your rates will go up.
According to DataUSA, the population of Kansas City, MO is 491,801, and there are 49 different ZIP codes throughout your city. Find out which ZIP code receives the lowest average annual auto insurance rates in the table below.
|Kansas City, MO ZIP Code||Average Annual Auto Insurance Rates|
As you can see, if you live in the 64157 ZIP code, your auto insurance rates are the lowest in Kansas City, MO. You pay $1,041.90 less per year on average than folks who live in the 64123 ZIP code.
But how do the average monthly auto insurance rates for Kansas City compare to other nearby cities in Missouri? Find out by looking at the data in the graph below.
As you can see, the average rate in St. Louis is quite a bit higher than for those living in Kansas City. However, small Missouri towns, like Springfield, receive the lowest average totals. This is likely due to a lower population density.
Automotive Accidents in Kansas City, Missouri, and Your Auto Insurance Rates
Insurance companies tend to charge higher rates in areas with high accident statistics. The higher premiums help offset the risks involved with ensuring people who live in regions with unsafe roads.
Are the Kansas City roads actually safe to drive on, or do they increase your chances of getting into an accident? In the graph below, you can view more details about the Kansas City, MO fatal accident statistics.
There is a possibility that Kansas City insurance rates may be influenced by these numbers. If you’re worried about your premiums going up as a result of your city’s crash statistics, consider taking public transportation to work so you are not driving during rush hour traffic times.
Auto Thefts in Kansas City, Missouri, and Your Auto Insurance Rates
Obtaining low-cost vehicle insurance in Kansas City, MO can be tough if you drive a vehicle make or model that is more likely to get stolen than other kinds of cars.
Certain trendy car or truck models are alluring to thieves. Similarly, theft rates are higher for cars or trucks that are frequently parked in bigger metropolitan areas, like Kansas City.
According to City-Data, the full amount of stolen vehicles in Kansas City rose to 4,287 in 2013 but then began to decrease year after year. However, vehicle thefts spiked once again in 2017.
If you only carry the minimum legal requirements in Missouri for auto insurance, your car will not be protected from vehicle theft. Because the city currently still has an alarmingly high risk of auto theft, it would be best to make sure that you’ve purchased comprehensive insurance for your vehicle.
This type of policy also covers weather damage, flood or fire damage, and damage from vandalism. How much will this extra level of protection cost you each month in Kansas City? Find out in the graph below.
According to the data above, a fuller coverage policy will cost almost twice as much as a basic policy in Kansas City, MO. If you can afford to easily replace your car in the event that it gets stolen or totaled, you may not require fuller coverage auto insurance.
However, if a major car accident or vehicle theft would put you into a financial hard place, investing in fuller coverage auto insurance is worth your while. To lower your monthly rates, consider increasing your deductible amount.
Best Auto Insurance for Credit History Rates in Kansas City, Missouri
Your credit score can be incredibly influential when it comes to your auto insurance premiums. People with poor credit sometimes pay twice as much for auto insurance in Kansas City compared to people with good credit.
See what we mean in the graph below.
Fortunately, bad credit does not have to last forever. By making your monthly auto insurance premiums on time, you can slowly build your credit back up. Eventually, you’ll be able to qualify for better rates.
Does age affect my auto insurance rates in Kansas City, Missouri?
Insurance companies equate age to experience. The older you are, the more driving experience you have. The more driving experience you have, the lower your auto insurance rates will be.
Take a look at the graph below to compare monthly auto insurance rates a 17-year-old pays in Kansas City Missouri, versus the monthly rates a 34-year-old driver pays.
Fortunately, when you turn 25 your rates will decrease dramatically. Otherwise, expect the auto insurance rates for teenagers in Kansas City, MO to be much higher than for other age groups.
Teenage drivers in Kansas City can reduce those high rates by qualifying for good student discounts, and by taking Drivers Education and defensive driving courses.
Best Auto Insurance for Driving Record Rates in Kansas City, Missouri
How is your driving history? Insurance providers will check on it, and use it to determine your rates.
If you have a flawless driving record, you will probably pay substantially lower monthly rates for auto insurance than someone with a few violations in their past.
In the graph below, you can clearly see how just one traffic violation will affect your auto insurance rates in Kansas City.
If you have a small breach or two, your rate will increase substantially. However, if your violations are minor, you may have the ability to lower your premium by asking about any accident forgiveness programs or other similar discounts.
Your Vehicle Make and Model and Your Kansas City, Missouri, Auto Insurance Rates
The type of vehicle you drive can cause your auto insurance rates to increase or decrease. Safer vehicles that are cheaper to replace or repair tend to receive some of the best average rates.
Oppositely, luxury vehicles that are expensive to repair and more likely to get stolen tend to receive much higher average premiums.
In the graph below, you can compare monthly auto insurance rates in Kansas City for a basic economy sedan compared to a fancy luxury vehicle.
Another reason why luxury vehicles have higher average auto insurance rates is that owners of fancy vehicles tend to purchase fuller coverage auto insurance policies than people who drive economy sedans.
Next time you’re looking to buy a vehicle, do some research to make sure you pick a make and model that will help you save money on auto insurance
Minor Auto Insurance Factors in Kansas City, Missouri
We’ve covered all of the major factors that influence your auto insurance rates in Kansas City, MO, now let’s talk about the minor things that can cause your rates to increase or decrease.
For example, did you know your insurance providers will consider your marital status, gender, and commute length when calculating your auto insurance rates?
Local news center KCTV5 News reported on how some of these minor factors impact Kansas City residents specifically.
Keep reading to learn more about how you can use these minor factors to your advantage when it comes to auto insurance.
Your Marital Status and Your Kansas City, Missouri, Auto Insurance Rates
If you are part of a couple, there’s potentially some very good news for your auto insurance rates. On average, married people in Kansas City usually pay less for auto insurance than people who are single.
Some companies offer discounts for newlyweds. Other providers view married people as being more responsible, and therefore lower-risk drivers. But the best way for married couples to save money on auto insurance is by putting all of your cars under the same insurance policy. Multi-car discounts can lead to some massive savings.
Similarly, if you’re homeowners, bundling your insurance policies with one provider will also lead you to great savings.
Your Gender and Your Kansas City, Missouri, Auto Insurance Rates
Some states have banned the use of gender as a means for calculating auto insurance rates, but not Missouri.
Men customarily pay slightly more on average than women for auto insurance in Kansas City. This is because, statistically, men cause more fatal accidents than women and are caught driving recklessly more often.
However, the difference in costs between what men and women pay for auto insurance in your city is only around one to two percent, so you don’t need to worry too much if you are a man.
Your Commute Length and your Kansas City, Missouri, Auto Insurance Rates
If you often drive during peak traffic hours, you are increasing your chances of getting into a car accident. Therefore, insurance providers do sometimes care about the details of your commute.
The average commute time in Kansas City is about 21 minutes. This is less than the national average of 25 minutes. Nearly 81 percent of Kansas City commuters choose to drive their own vehicle to work, while an additional 8 percent carpool. About 5 percent of Kansas City residents work from home.
Most companies give very little weight to your commute length and your average miles driven each year. However, some will choose to charge you higher than average rates.
If you drive more than the average Kansas City resident, compare quotes from multiple companies so you can be certain your longer commute isn’t increasing your premiums.
If you drive less than average, ask your provider about any low-mileage discounts that you are eligible for. If it is possible, consider taking public transportation to work instead of your car. Just remember to inform your provider so your rates can be adjusted.
Your Coverage and Deductibles and Your Kansas City, Missouri, Auto Insurance Rates
We discussed earlier the reasons why a basic Missouri auto insurance policy might not be enough for the average Kansas City driver. If you want to purchase fuller coverage auto insurance but need to stay within a certain budget, consider increasing the deductibles on your policy.
Both comprehensive and collision coverage have a deductible associated with them. The deductible is the amount you will pay out of pocket for damages before your insurance provider steps in to cover the rest.
Just make sure your deductibles are not too high, which would undercut the purpose of paying for extra coverage in the first place.
Your Education Level and Your Kansas City, Missouri, Auto Insurance Rates
Your education level used to play a bigger role in your auto insurance rates, however, it is less common these days. That being said, there are a few discounts available to those pursuing higher education in Kansas City.
More than 25 percent of the Kansas City populace has earned a high school diploma or an equivalent thereof. Moreover, 17.5 percent of Kansas City residents have yet to complete their high school education, and another 17 percent of residents have already earned a bachelor’s degree.
The University of Missouri at Kansas City is the most well-known institution for higher education within the city limits. More than 15,000 students enroll each year hoping to earn a bachelor’s degree or higher from this prestigious university.
There is also the Kansas City Art Institute for those pursuing a creative career, and several institutions affiliated with religious organizations such as Avila College. For those wishing to break into the medical field, there is also the Research College of Nursing.
Inform your provider about your education level to see what savings you may be eligible for.
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How We Conducted Our Auto Insurance Analysis in Kansas City, Missouri
We calculated our average auto insurance rates based on a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record. Our hypothetical driver also owns his own home.
The average 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.
You are now an expert on securing cheap auto insurance in Kansas City, MO. Locating affordable automobile insurance in your city does not have to be a hassle.
You’ve learned about the different variable insurance providers take into account when calculating your rates. You’re ready now to find the provider who will be the most compatible with you.
To find your best Kansas City, MO auto insurance quotes, just enter your five-digit Missouri ZIP code into our FREE quote comparison tool below to get started. Which Kansas City, MO auto insurance company is for you? Find out now.