Cheap Auto Insurance Quotes in Lees Summit, MO (January 2022)

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Car Insurance in Lees Summit, MO

Drivers in Lee's Summit and other cities around Missouri are required to have car insurance to stay legal on the road. The average cost of Missouri car insurance  is $274 per month, and while that is higher than the national average, Missouri drivers can get cheaper car insurance if they know where to look. Compare quotes with Insurify and find the cheapest car insurance!

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Cheapest Car Insurance in Lees Summit, MO

Each insurance company weighs information such as your driving record and credit score a little bit differently, and because of this, some car insurance companies are able to offer cheaper coverage than others. The following are the cheapest providers in Lee's Summit on average, but it’s always important to explore coverage options and compare quotes to find your best rates.

Best Car Insurance in Lees Summit, MO

It’s important to keep in mind that the cheapest insurance company might not be able to provide quality customer service and reliably pay claims. We analyzed factors that reflect quality, reliability, and health of an insurance company to calculate its Insurify Composite Score, and below are the best Missouri auto insurance companies by our ranking system.

Average Car Insurance Cost

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Click here to learn about car insurance quotes and save on your current policy.

Lees Summit, MO Driving Facts

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Minimum Car Insurance Requirements in MO

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:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

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.

  • $10,000/accident for Property Damage (PD)

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:

  • $25,000 per person/$50,000 per accident for Bodily Injury  

Lees Summit Car Insurance Rates by Driver Age

Young drivers, who are inexperienced drivers and more likely to get into car accidents, will pay the most for auto insurance coverage while more mature drivers see the lowest monthly costs. The table below shows what you can expect to pay for car insurance in Missouri based on your age. Keep in mind that this is statewide data and rates may vary in Lee's Summit.

Lees Summit Car Insurance Rates by Driving and Accident History

Your driving record is one of the most important factors in determining your insurance premiums. If you have an infraction on your record like a DUI or a speeding ticket, you can most likely expect your car insurance premiums to increase. Here’s what you can expect to pay based on your driving record in Lee's Summit.

Lees Summit Car Insurance Rates by Credit Tier

Under Missouri state law, auto insurance companies are able to use your credit score when calculating your insurance rates. Driver’s with bad credit will almost always pay more for car insurance than drivers with excellent credit. The following is what you can expect to pay in Lee's Summit, Missouri based on your credit tier.

Lee's Summit DMV Information

Just over 97,000 people call Lee’s Summit, Missouri home and all of them must use the Lee’s Summit License office for DMV services. Although visitors are required to make an appointment during regular hours, walk-in only hours are Monday through Friday from 8:00 a.m. to 10:00 a.m. and 5:00 p.m. to 6:00 p.m. and Saturdays from 8:00 a.m. to 9:00 a.m., exempting holidays. 

The Lees Summit License office is located at:

316 SW Blue Pkwy
Lee's Summit, MO 64063

Public Transportation in Lee's Summit

While most residents of Lee’s Summit choose to drive to get from place to place, the city contracts Kansas City Area Transportation Authority (KCATA) for all of their public transportation services which offer a variety of ways to get around the city. Uber and Lyft are also available in the city for commuters who prefer a bit more privacy on their commute. 

How to Get the Cheapest Car Insurance in Lee's Summit

The easiest way to find the best and cheapest car insurance in Lee's Summit, Missouri is to compare quotes using Insurify. Instead of calling around to insurance agencies and spending hours on hold with an insurance agent, you can see 10+ quotes side-by-side. At Insurify, we’ll take care of all your insurance needs no matter what kind of coverage you’re looking for. 

At Insurify, we make it easy. You’ll just need to answer a few questions about your vehicle and driving history to get started. From there, we’ll show you multiple quotes so you can find the best auto insurance policy for you. You can also use Insurify to shop for home insurance and life insurance. It’s completely free to use and takes less than five minutes!

Find local Lees Summit agents

Awesome Insurance Consultants
622 SW 3rd St Ste F, Lees Summit, MO 64063
Andrew and Associates 
5806 Nw Plantation Cir, Lees Summit, MO 64064
Risk Innovations 
229 SE Douglas St Ste 220, Lees Summit, MO 64063-2301
Sidwell Baker Insurance dba Summit Insurance Group 
300 SE Wilson Street, Lees Summit, MO 64063-2716
Alscott 
24901 Woodland Cir, Lees Summit, MO 64086-9610
Commercial Insurance Associates 
410D SE 3rd St Ste 104, Lees Summit, MO 64063
Rhodes Insurance Agency, Inc. 
302 SE Independence Ave, Lees Summit, MO 64063-2828
Summit Insurance Group
'300 Wilson St, Lee''s Summit, MO 64063'
Epic Insurance, LLC
'4045 NE Lakewood Way #100, Lee''s Summit, MO 64064,'
Jason M. Park: Allstate Insurance
'623 NE Woods Chapel Rd, Lee''s Summit, MO 64064, '

Insurify Insights: How Lees Summit Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Lees Summit, MO
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#31
Cities with Most
Suspended Licenses Rank

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 Lees Summit 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.

Accidents in Lees Summit

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. Lees Summit drivers rank 7 in the number of car accidents per driver across all cities in Missouri.

  • Rank within state: #7
  • Percent of drivers in Lees Summit with an accident: 12.42%
  • Drivers in Lees Summit, MO with an accident in their driving history paid on average 59.8% more than drivers with a clean record

Speeding in Lees Summit

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Missouri, Lees Summit drivers rank 6 in the number of speeding infractions per driver.

  • Rank within state: #6
  • Percent of drivers in Lees Summit with a speeding ticket: 12.42%
  • Drivers in Lees Summit, MO with a speeding ticket in their driving history paid on average 48.24% more than drivers with a clean record

DUI/DWIs in Lees Summit

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lees Summit drivers rank 7 in the number of DUI’s per driver across all cities in Missouri.

  • Rank within state: #7
  • Percent of drivers in Lees Summit with a DUI: 2.87%
  • Drivers in Lees Summit, MO with a DUI in their driving history paid on average 30.15% more than drivers with a clean record

Most Popular Vehicle in Lees Summit

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lees Summit is the Honda Accord.

Rude in Lees Summit

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, Lees Summit drivers rank 6 in rude driving infractions.

  • Rank within state: #6
  • Percent of drivers in Lees Summit with a reckless driving violation: 2.07%
  • Drivers in Lees Summit, MO with a reckless driving violation in their driving history paid on average 25.13% more than drivers with a clean record.

Safest Drivers in Lees Summit

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lees Summit drivers rank 11 in clean driving records across all cities in Missouri.

  • Rank within state: #11
  • Percent of drivers in Lees Summit with clean record: 75.48%

Failure to Yield the Right of Way in Lees Summit

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Lees Summit drivers rank 5 in failure to yield violations per driver across all cities in Missouri.

  • Rank within state: #5
  • Percent of drivers in Lees Summit with a failure to yield violation: 0.48%
  • Drivers in Lees Summit, MO with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Lees Summit

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, Lees Summit drivers rank 11 in the number of reckless driving offenses per driver.

  • Rank within state: #11
  • Percent of drivers in Lees Summit with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership in Lees Summit

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Lees Summit drivers rank 2 in hybrid and electric vehicle ownership across all cities in Missouri.

  • Rank within state: #2
  • Percent of drivers in Lees Summit with a hybrid/electric vehicle: 1.62%

FAQs - Lees Summit, MO Car Insurance

How do I find cheap car insurance in Lee's Summit, MO?

The best way to find cheap car insurance in Lee's Summit, Missouri is to compare quotes with Insurify. We’ll provide you with quotes from national providers like Allstate, Progressive, and State Farm as well as quotes from local agents so you can rest easy knowing you’ve found the cheapest car insurance policy available.

How much does car insurance cost in Lee's Summit, MO?

The average cost of Lee's Summit auto insurance is $135 per month, but rates will vary depending on your driving record, your age, your credit score, and more. That’s why you should always shop around and compare insurance options. If you are able, you can also always save on car insurance by bundling it with your homeowners or renters insurance.

What drives up car insurance rates in Lee's Summit, MO?

Car insurance costs in Lee's Summit, Missouri are higher than the national average and factors in your driving record such as a DUI or speeding ticket can drive up your premiums further. Your costs will also vary based on the type of car insurance policy you buy. For example, comprehensive car insurance coverage will be more expensive than a liability only policy.

Methodology

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.


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