Compare Auto Insurance in Kansas City
Average Kansas City Car Insurance 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|
|Source: Facts + Statistics: Auto insurance|
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 to find the lowest rates.
Best Car Insurance Companies in Kansas City, MO
This is our list of the most common car insurance companies reported by QuoteWizard users living in Kansas City, Missouri last year.
Other popular Kansas City, Missouri car insurance companies: USAA, Country Financial, MetLife, Safeco, Travelers, Hartford, 21st Century, and Shelter.
Top 10 Vehicles
This is our list of the top most common car makes and models owned by Kansas City, MO drivers requesting quotes through QuoteWizard last year.
- Ford F150
- Chevrolet Impala
- Ford Taurus SE
- Chevrolet Malibu
- Ford Explorer
- Honda Accord EX/LX/li>
- Chevrolet Blazer
- Ford Focus SE
- Chevrolet Cavalier
- Cadillac DeVille
Minimum Car Insurance Requirements in Kansas City, MO
Kansas City, Missouri has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least:
- Individual Bodily Injury Liability (BIL): $25,000.
The most your insurance company will pay for an individual person injured in a car accident.
- Total Bodily Injury Liability: $50,000.
The maximum amount your insurer will pay in total for every person injured in a car accident.
- Property Damage Liability (PDL): $10,000.
The total insurance carriers will pay for property damage caused by a car accident.
Kansas City Drivers
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.
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.
SR-22 DWI Insurance
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.
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.
Vehicle Theft Rates
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.
Car Insurance Discounts in Kansas City
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.
- Bundle your auto policy with your homeowners or renters insurance. Bundling policies and vehicles with one insurer is one of the best discounts. Bundling can save you as much as 15%
- If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
- Maintain at least a B grade point average in school to qualify for the good student discount
- Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
- Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
- Keep your driving record clean. Tickets and accidents on your driving record will hit you hard in the pocketbook
- Live in a safe zip code with low crime and good drivers. People that live in zip codes with high crime, lots of car break-ins, and bad driving conditions pay higher premiums
- Drive less. Live close to work to qualify for the low mileage discount
- Are you married or getting married soon? Some insurers offer a marriage discount
- Shop around and compare low-cost Kansas City auto insurance quotes to see all the discounts you qualify for
- Kansas City Municipal Court - Tickets, Fines, and Court Information
- Kansas City Police Department Annual Report - 2014
- Kansas City Missouri Crime Rates
- United States Census Bureau - Kansas City, MO
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