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Cheap Auto Insurance Quotes in Kansas City, MO (January 2022)
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All motor vehicles operated or parked on Missouri roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Missouri state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Missouri law.
The state minimum amount of property damage liability coverage required in the state of Missouri is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Uninsured and underinsured motorist coverage are required in Missouri. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Missouri, the legally required level of Uninsured Motorist coverage is:
|Clean driving record||$238|
|Failure to Stop for Red Light / Stop Sign||$326|
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The department of motor vehicles is a government agency that handles different services related to cars and other vehicles, such as vehicle registration and issuing driver’s licenses and ID cards. You can walk in or make an appointment if you need to take a driving test or renew your driver’s license, but many Kansas City DMVs now offer online services as well.
There are multiple DMVs in Kansas City, so you can simply search for the one closest to you. There are no requirements to visit a particular office. In Missouri, the DMV is referred to as the Missouri Department of Revenue. It offers a variety of services, many of which are accessible online, from renewing your license plates to buying or selling your vehicle.
Kansas City is primarily a driving city. However, it still has a reliable public transportation system that you can use to travel around. There is a local transit system, RideKC, which offers bus rides, bike rides, and a streetcar ride (available downtown only). It is also possible to get around some neighborhoods by foot, but separate neighborhoods are not connected by consistent sidewalks.
If you’re thinking about moving to Kansas City, it’s advisable to invest in purchasing your own vehicle because it is the most convenient way to get around. And to find cheap car insurance in Kansas City, use Insurify.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Kansas City drivers measure up to their fellow Missouri motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Kansas City drivers rank 19 in the number of car accidents per driver across all cities in Missouri.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Missouri, Kansas City drivers rank 3 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Kansas City drivers rank 18 in the number of DUI’s per driver across all cities in Missouri.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Kansas City is the Chevrolet Malibu.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Missouri, Kansas City drivers rank 3 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Kansas City drivers rank 9 in clean driving records across all cities in Missouri.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Kansas City drivers rank 3 in failure to yield violations per driver across all cities in Missouri.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Missouri, Kansas City drivers rank 4 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Kansas City drivers rank 9 in hybrid and electric vehicle ownership across all cities in Missouri.
The best way to get the cheapest car insurance in Kansas City is to shop around. Insurify recommends getting at least four quotes from different car insurance providers and then comparing them to figure out which auto insurance company is going to offer you the best premiums, deductibles, and coverage.
However, shopping around for cheap car insurance can get time-consuming. You have to spend hours online or on the phone with different auto insurance companies in Kansas City, answering the same questions about your age, vehicle model, and coverage preferences. Then, you have to manually compare all the different quotes you receive to figure out the cheapest one.
Instead, spend five minutes answering a few basic questions only once on Insurify’s trusted site and instantly compare 20+ personalized quotes from the best auto insurance companies in Kansas City. Compare them side by side right on Insurify’s site and receive suggestions on which coverage is the best and cheapest option for you.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.