On average your neighbors pay $62 a month.See Your Rates
How much is car insurance in Kansas City, MO? Despite their safe driving habits, residents of Kansas City have higher insurance rates than most of Missouri. You can thank a vehicle theft rate four times higher the national average, a large number of uninsured motorists, and other factors common to urban environments such as property crime and traffic congestion. The average cost of auto insurance in Missouri is $745.04 per year. The national average annual cost of coverage is $889.01.
Prices will vary depending on multiple factors including your driving record and the number of claims filed in your zip code.
|Total Cost Per Year||$745.04|
|Price Per Month||$62.83|
The graph below shows the change in average Missouri rates from 2011 to 2015, the most recent year the data is available. According to the III, Missouri car insurance rates increased from $674 in 2011 to $745 in 2015, a jump of $70 dollars, or 10.44 percent.
QuoteWizard helps consumers compare quotes from the top national car insurance carriers as well as local independent agents. Comparing quotes can help you find cheap car insurance rates near Kansas City, Missouri and save up to 40% on your premium.
Last year, 13,211 people used QuoteWizard to compare car insurance quotes in Kansas City, MO from multiple companies.
This is our list of the top most common car makes and models owned by Kansas City drivers requesting quotes through QuoteWizard last year.
This is our list of the most common car insurance companies reported by QuoteWizard users living in Kansas City, MO last year.
Other popular Kansas City, Missouri car insurance companies: USAA, Country Financial, MetLife, Safeco, Travelers, Hartford, 21st Century, and Shelter.
Kansas City drivers should be proud. According to a recent report published by Allstate Insurance, Kansas City ranked 3oth out of 200 cities for safe driving. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 10.4 years.
Some factors that can affect insurance rates are driving conditions.
Kansas City is very close to the geographic center of the United States and is very far from major bodies of water. This makes winters very cold and scorching hot in the summer. It can rain a lot here and this creates freeway nightmares for commuters. There's more than enough moisture and cold left over during the winter months for snow to cause more problems for drivers. On average, 13.4 inches of snow falls each year.
Kansas City roads have improved in recent years, but there's still a lot of work yet to do to make roads safe. TRIP reports that 13% of the major roads are in poor condition. Another 27% are mediocre. These poorly maintained streets cost drivers $398 a year in extra vehicle operating costs.
TomTom has ranked Kansas City 67th for worst traffic congestion in the United States. An average commuter spends an extra 13 minutes per hour stuck in traffic during rush hour commutes. Drivers with 30-minute commutes waste an additional 50 hours per year.
Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, you'll need to get auto insurance for bad drivers, also known as high-risk insurance.
The Kansas City Municipal Court website allows residents to pay traffic tickets and fines. It also tells drivers how to contest tickets.
|Type of Violation||Total|
|DUI – Alcohol/Drugs||993|
|Failed to Yield Right-of-Way||6,660|
|Seat Belt/Child Restraint||15,975|
|Driver’s License Violation||21,171|
|D.L. Violations in Crash||622|
Kansas City Police cited 993 drivers for a driving while intoxicated (DWI) violation in 2014. With good public transit, cabs, and rideshare services, there’s no reason to risk a DWI. Paying for a ride home will always cost much less than a DWI.
A DWI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Kansas City DWI insurance.
The Kansas City Police Department recorded 3,873 vehicle thefts in 2014, a rate of 8.4 per 1,000 residents. This rate is over four times the national average of 2.16 stolen cars per 1,000 Americans.
Kansas City Police reported 48 motor vehicle crash fatalities in 2014. 23 of the vehicle occupants that lost their lives were not wearing seatbelts. All traffic deaths are a tragic loss, but considering Kansas City’s estimated population of 459,787 this is a relatively safe city in terms of traffic fatalities.
Kansas City, Missouri has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least:
Discounts are one of the best ways to lower your insurance rates. These are some of the auto insurance discounts available to Kansas City, MO drivers depending on your carrier. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a free quote.
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