Best Car Insurance Companies in Kansas City

How to choose a car insurance company in Kansas City

kc car insurance skyline
With about 4,000 car thefts a year and changing weather conditions, Kansas City residents must be proactive in protecting their vehicles. Both sides of State Line command motorists to own car insurance. Missouri is a “ no pay, no play ” express, meaning that if you are injured in an accident and do not have car insurance, you are not entitled to any money damages for trouble and suffering.

Missouri has the seventeenth-highest pace of uninsured motorists in the country. In contrast, Kansas is one of the top states with covered drivers. To keep you and your car safe no matter what, read more about Kansas City car insurance rules and impacts.

Minimum liability requirements in Kansas City

Both KCK and KCMO require a high come of car insurance coverage, which makes comparison shopping more crucial for buyers. This table breaks down minimal car policy requirements by the department of state :

Liability coverage Uninsured coverage
KS $ 25,000 BI/person
$ 50,000 BI/accident
$ 25,000 PD/accident

$ 25,000 BI
$ 50,000
BI/accident
MO $ 25,000 BI/person
$ 50,000 BI/accident
$ 10,000 PD/accident
$ 25,000 BI
$ 50,000
BI/accident

BI=bodily injury coverage
PD = property damage coverage

personal wound protection minimum indebtedness is required in Kansas alone: $ 4,500 checkup expenses per person, $ 900/month disability/loss of income ( for one year ), $ 25/day in-home services, $ 2,000 funeral, burial, or cremation expense, and $ 4,500 rehabilitation expense.

The average costs of car insurance in Kansas City

annual premiums for car indemnity vary slenderly within Kansas City. Because rates change based on age, history, and car type, we researched one subset of buyers for comparison purposes. We found that a 40-year-old male can expect to pay on average between $ 1,183 and $ 1,569 for full coverage in KC.

The lowest rates are in Kansas City, Kansas, and North Kansas City, Missouri. These areas besides have a lower mortgage and lease rates. Residents in the Center City neighborhoods, including Hyde Park and Ivanhoe Northeast, witness car indemnity costs rise to an average of $ 1,500. The most expensive vicinity for car indemnity is near KU Medical Center and the 39th Street district.

Best Car Insurance Companies in Kansas City
Best Car Insurance Companies in Kansas City

Driving in Kansas City? Watch out for weather and animals

As they say in Kansas City, “ If you don ’ thyroxine like the weather, wait 10 minutes. ” Drivers should expect every type of weather, including rain, snow, hail, and scorching heat. During extreme weather, conditions can quickly change into hazardous situations. In coke and ice rink, the 2,506 crashes reported in 2016 are more than half the number of total crashes involving speeding in any weather.
During the fall, deer copulate season begins, leading to much higher clang rates. between 2007 and 2014, the Kansas City metro had 13,640 crashes involving deer. These collisions are both dearly-won and deadly—the Kansas Department of Transportation estimated that deer-related crashes cost $ 77.8 million in 2013.

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