Auto Insurance in Kansas City, MO

Providing a fast and stress-free experience for finding auto insurance in Kansas City.

Auto Insurance in Kansas City and What You Need to Know

If you want affordable quotes on auto insurance in Kansas City, shopping around at different companies is essential. You might wonder why your friends pay different prices for their auto insurance. Prices will differ based on numerous factors--such as your age, driving history, and where you’re located. To help reduce the legwork involved in shopping for auto insurance, we have accumulated rates for you from across Kansas City. We’ve found the cheapest options for many kinds of drivers. We've also listed a couple of key factors that affect how much you will pay for car insurance in Kansas City.

Percentage increase in Kansas City car insurance costs compared to national average

1828 %

Percentage increase in Kansas City car costs compared to average in Kansas

1828 %

Percentage decrease in Kansas City car insurance costs compared to most expensive in Kansas

0 %

Full Coverage Car Insurance

Protect yourself, your passengers, pedestrians, and other drivers. Discover what driving with full coverage in Kansas City can give you, including peace of mind knowing that everyone and everything is protected.

Liability Car Insurance

Meet the insurance requirements for driving in Kansas City with a minimum liability auto insurance coverage plan. It’s always better to be protected.

High Risk Car Insurance

Finding the best high-risk auto insurance in Kansas City can be daunting. We’ll help you sort through the noise so you can get the best high-risk coverage plan in Kansas City.

Home and Auto Insurance

Bundle your home and auto insurance coverage in Kansas City to contend with fewer companies and save money. Find out if a home and auto insurance bundle is right for you.

Your Driving Record Matters When Getting Auto Insurance in Kansas City

We've all seen the story before -- you're getting quotes for car insurance in Kansas City and looking for the best deal. You receive a fantastic car insurance quote that's affordable and provides all the coverage options you're searching for. Then the insurance provider comes back with a much higher insurance premium than the one you were originally quoted at. What happened? It might be due to insurance points. The amount of points added to a driver's record for a traffic violation varies by location. If your driving record from the DMV comes back showing tickets or accidents which you didn't report in your insurance plan, your car insurance rates in Kansas City might be significantly higher than the original quote by the insurance provider.

best home and auto insurance Kansas City MO

Your Type of Car Plays a Role on Car Insurance Costs in Kansas City

When it comes to your car, you’ll find that an assortment of factors affect what you’ll pay for auto insurance in Kansas City. The more horsepower your car gets, the more likely you are to speed and get involved in an accident. As cars with higher horsepower are involved in more accidents, they are more costly to cover. Size can also affect your rates; driving a massive SUV in Kansas City could increase the price of your auto insurance due to its capability to inflict substantial amounts of damage to other cars. If you’re looking to get the least expensive car insurance, consider cars in the midsize range, such as sedans, midsize SUVs, or minivans. A car's worth also impacts the cost to cover it. For many auto insurance companies, the price of the car is the primary factor when setting the price of your auto insurance. Consider driving lower-cost cars if you're on the lookout for extra insurance savings.

Vehicle TypeAnnual Average Cost of Car Insurance

best home and auto insurance Kansas City MO

Cost of Car Insurance in Kansas City by Gender and Marital Status

In several states, gender can no longer be used to calculate auto insurance rates. However, your marital status may influence your rates on auto insurance in Kansas City. Generally, married couples are more likely to receive a reduced auto insurance rate than single individuals. Individuals who have never married have a statistically higher likelihood of driving accidents than married individuals. Older adults who have been widowed and divorced individuals also see higher prices on auto insurance in Kansas City. It is possible to get a discounted insurance rate for having a domestic partner, but it’s not as prevalent as for married couples. There are a variety of theories about why married couples are less likely to become involved in car accidents; some sources state that married motorists tend to drive less than their single counterparts. Other sources hypothesize that married motorists have significantly more stable and less risky lifestyles than singles. Regardless, if you’re married, you could qualify for a discounted car insurance rate in Kansas City.

Where You Live in Kansas City Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near Kansas City

13 %

Annual savings for car insurance in medium sized cities near Kansas City

8 %

Your zip code can save or cost you thousands of dollars annually on car insurance in Kansas City. The discrepancies in auto insurance policy rates by zip code have nothing to do with the make and model of your car; it’s all about the number of traffic offenses in your area. Areas with high levels of injury and theft claims generally see higher insurance premiums because firms put zip codes together into risk classes. City drivers nearly always pay more than country drivers. Simply put, more cars result in more accidents. Another factor considered by companies pricing your auto insurance is the state of the streets in your zip code. Zip codes with roads that are less developed may see higher auto insurance prices.

Average Costs of Auto Insurance in Kansas City by Types of Coverage

Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision1,316.74
Auto Insurance with Comprehensive Only1,553.75
Auto Insurance with Comprehensive and Collision2,291.12

Your Credit Affects Your Car Insurance Costs

Apart from your driving history and the kind of car you drive, your credit rating can affect what you pay for auto insurance in Kansas City. Many businesses calculate credit-based insurance coverage when determining the price of your car insurance. Studies show that using credit scores helps insurance companies predict someone’s likelihood of getting in an accident. In Kansas City, 92% of car insurance companies now consider credit score when calculating auto insurance rates. Credit-based car insurance coverage makes it possible for insurers to estimate the fairest, most suitable rate for every client. Simply put, your credit rating can affect your auto insurance rates in Kansas City. Focus on factors you can control, like paying your bills on time and keeping an eye on how you're applying for credit.

Average car insurance rate changes in Kansas City based off credit scores.

65 %

Max car insurance rate changes in Kansas City based off credit scores

121 %

92 percent of the car insurance companies in Kansas City now think about your credit score when calculating how much you will pay for auto insurance.

Kansas City Car Insurance Rates by Age

The rates for auto insurance in Kansas City vary considerably by age category. This is simply because certain age groups are more of a liability to cover than others because of a higher likelihood of injuries and costly claims. Young drives tend to have more traffic incidents and exhibit more reckless behaviour than older drivers. Therefore they are typically more costly to insure. Auto insurance prices in Kansas City start to drop off as drivers reach middle age because they have more experience behind the wheel and get fewer injuries in comparison with teens. This trend continues until motorists reach their seventies, at which point auto insurance prices begin to climb again. Though age is one of the biggest factors for calculating the cost of car insurance, the degree to which age impacts rates can vary wildly from state to state. Overall, you’ll typically see young drivers paying the most for an auto insurance policy in Kansas City.

best home and auto insurance Kansas City MO

Getting the Best Auto Insurance Rates in Kansas City

Shopping for auto insurance in Kansas City can seem tiresome and costly. Still, it's necessary to protect yourself from financial loss associated with traffic collisions, automobile theft, natural disasters, or other unforeseen circumstances. No one wants to invest more than is needed, but it's not always clear how to secure reduced auto insurance prices. The only way to make sure you're getting the cheapest rate possible is to search for and compare quotes. Insurers supply a range of discounts for clients who meet specific requirements, or for those looking to package their auto insurance alongside their home insurance. Take this opportunity to examine and compare prices from different vendors across Kansas City before choosing which kind of auto insurance is ideal for you. We are always here to help.