Car Insurance in Kansas City
The Sunflower State’s largest city, Kansas City, (not to be confused with Kansas City, Missouri) is a mecca with something for everyone. It is steeped in deep tradition with dozens of historical sites and museums, including the Blackjack Battlefield and the Korean-Vietnam War Memorial. It is also home to the Kansas Speedway, one of the most-revered racetracks in the country, host to the Monster Energy NASCAR Cup Series and other prestigious races. Drivers in Kansas City won’t need to compete against professional race car drivers, but will need to have affordable car insurance to be protected.
Kansas City, KS, is not limited to history. It is heavy on nightlife and entertainment with The Legends at Village West, a mega outlet mall that carries every outlet store imaginable from the Gap Factory to the Nike Factory Store, as well as restaurants and bars. Families can also enjoy a picnic and frolic at the Cider Hill Family Orchard, complete with apple, raspberry, and blackberry picking for a grand old time.
With a nice mix of history, entertainment, and nature, Kansas City, KS, has something for everyone to enjoy.
Quick Facts
- The average cost of car insurance in Kansas City is $52 per month*.
- In 2019, there were 18 reported fatal accidents involving 27 total vehicles.
*We use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
How Much Does Car Insurance Cost in Kansas City?
On average, the cost of car insurance in Kansas City is $52 per month. This is higher than the U.S. national average of $39 and more than the average car insurance cost in Kansas, which is $34 per month for the state minimum.
There are many reasons why your auto insurance premiums can be higher or lower. These include age, zip code, gender, marital status, credit score, and previous claims history. Your zip code is important, as some zip codes have a higher rate of stolen property and vandalism claims than others, as well as higher accident rates.
Obtaining a comprehensive auto insurance policy gives you and your family more protection. Failure to have more than a basic liability auto insurance policy could put you on the hook to pay out-of-pocket for your own medical expenses and property damage if it is determined you are at fault for an accident.
Kansas City Car Insurance Rates by Zip Code
Your zip code of residence has a major effect on your auto insurance premiums. High crime areas and highly populated zip codes usually result in a disproportionate number of claims relative to the population, driving the cost of premiums upward. The more claims per zip code, the higher the premiums.
Kansas City, KS, has 10 zip codes. Here are the average monthly rates for each zip code:
| Zip Code | Average Monthly Car Insurance Rate |
|---|---|
| 66101 | $52 |
| 66102 | $52 |
| 66103 | $51 |
| 66104 | $53 |
| 66105 | $52 |
| 66106 | $50 |
| 66609 | $43 |
| 66611 | $43 |
| 66612 | $42 |
| 66615 | $42 |
Kansas City Car Insurance Rates by Age
Age is a critical factor in determining the cost of insurance premiums. In general, the younger demographic should expect to pay higher premiums than older demographics due to risk profile and claims history record. It is not uncommon for one age group to pay triple the average monthly car insurance rate than another age group.
Here is a breakdown of the average car insurance rate by age in Kansas City, KS:
| Age | Average Monthly Car Insurance Rate |
|---|---|
| Teenagers | $290 |
| 20s | $119 |
| 30s | $52 |
| 40s | $51 |
| 50s | $50 |
| 60s | $49 |
| 70s | $54 |
Driving Conditions in Kansas City
How Many Fatal Accidents Happen in Kansas City?
In 2019, there were 18 reported fatal accidents involving 27 total vehicles. Of these, there were 19 fatalities, and two accidents involved drunk drivers.
How Are the Road Infrastructure and Bridges in Kansas City?
Kansas City road infrastructure and bridges are constantly being monitored and undergoing renovation. As of summer 2021, there were close to a billion dollars earmarked for expansion projects that focus on adding new passing lanes and modernizing interchanges. All of these initiatives are part of the greater 10-year Eisenhower Legacy Transportation Program with many additional projects slated to begin in 2023.
Get a Quote for Car Insurance in Kansas Today!
Minimum Car Insurance Requirements in Kansas City
Kansas is a “no-fault” state, which means your insurance company covers the cost of your medical bills and select out-of-pocket expenses, regardless of who is at fault for the accident. All Kansas drivers must also carry personal injury protection (PIP) as well as minimums, which are as follows:
- $25,000/$50,000 bodily injury per person/accident
- $4,500 personal injury protection (PIP)
- $25,000 per accident for property damage
- $25,000/$50,000 for uninsured/underinsured motorist coverage per person/accident
Fortunately, there are many ways to save money on car insurance. One of the more popular options is to raise deductibles, reduce optional insurance, bundle your insurance with another type of coverage, and keep your driving record clean of any claims or infractions. Another factor is your vehicle’s make and model. Older, used vehicles may offer lower insurance rates than newer models. It is also important to maintain a good credit history.
Factors Allowed in Kansas City Car Insurance Rates
Insurance premiums are determined by a number of factors and some of those are not under your control. Each state determines what insurance companies can look at in order to set your rate. Here are some factors that determine Kansas City car insurance rates:
- Driving record
- Age
- Gender
- Zip code
- Marital status
- Type of vehicle
- Credit rating
Discounts for Car Insurance in Kansas City
Discounts are a way for drivers to save money on their insurance premiums. Be sure and ask your insurance agent if you qualify for a discount. There are plenty of discounts on auto insurance available! Here are a few discounts available to Kansas City drivers:
-
Military discount
-
Good driver discount
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Anti-theft discount
-
Student discount
What Are the Penalties for Driving Without Insurance in Kansas City?
Driving without insurance in Kansas City is classified as a Class B misdemeanor with fines starting as low as $300 and hitting as high as $2,500, depending on the reason you are stopped. At a minimum, expect your driver’s license to be suspended with the possibility of imprisonment up to a year with a second offense. A third offense or habitual violations can result in imprisonment up to two years.
First offenses are subject to a $100 fee and a requirement to provide an SR-22 certificate for three years.
Get a Quote for Car Insurance in Kansas City Today!
Now that you know some important information about Kansas City, Freeway Insurance is here to help you find the best low-priced car insurance. Get started with a quote online, visit us at a Kansas City office near you, or call us at (800) 777-5620 for a quote.