Finding the Best Car Insurance in North Kansas City, Missouri

Purchasing car insurance is an essential part of owning and driving a vehicle in North Kansas City, Missouri. Having the right auto insurance coverage ensures you are protected financially if you are involved in an accident. It also provides liability coverage in case you cause damage to someone else’s property.

Choosing the right car insurance policy in North Kansas City involves comparing multiple providers, weighing factors like price and customer service, and understanding what coverage best fits your needs. This article provides an in-depth look at how to find the best car insurance in North Kansas City, Missouri.

What Factors Impact Car Insurance Rates in North Kansas City?

Car insurance rates are based on a number of factors. Insurance companies calculate your premium by assessing the level of risk you represent as a driver. Some of the main criteria that affect your auto insurance premiums include:

  • Your driving record: Drivers with past accidents, speeding tickets, DUIs, or other violations are considered higher-risk and tend to have higher insurance rates. A clean driving record can significantly lower your premiums.

  • Your location: Insurance rates vary across different zip codes and cities. Living in an urban area like North Kansas City may increase your rates compared to rural regions.

  • Your age: Young drivers under 25 and elderly drivers over 65 tend to pay more for coverage due to increased risk levels. Drivers between 30-50 years old typically get the best rates.

  • Your gender: Statistics show male drivers under 25 have more accidents. As a result, young men often pay more than women for car insurance.

  • Your vehicle: Insuring a new luxury car that’s expensive to repair costs more than insuring an older model with standard features. Sports cars also have higher premiums.

  • Your coverage limits: Opting for higher liability limits, lower deductibles, and additional coverages adds to your overall policy cost.

  • Your credit score: Drivers with poor credit are charged higher rates by many auto insurance companies. Maintaining a solid credit score can save you money.

Comparing Car Insurance Companies in North Kansas City

When searching for car insurance in North Kansas City, it’s highly recommended you compare quotes from multiple top providers in your area. Rates can vary significantly from one insurer to another.

Some of the major insurance carriers providing coverage to North Kansas City drivers include:

  • State Farm: The largest auto insurer nationwide, State Farm offers standard policies as well as usage-based plans through Drive Safe & SaveTM.

  • Geico: Known for low rates and easy online quotes, Geico frequently runs clever TV ads and advertises discounts.

  • Progressive: This national insurer advertises round-the-clock service and online tools to manage your policy.

  • Allstate: Providing coverage for over 50 years, Allstate agents can help you customize local North Kansas City policies.

  • Farmers: Opt for neighborhood agents and bundling options for home and auto insurance with Farmers.

  • Liberty Mutual: Offering standard coverage plus options like new car replacement, Liberty Mutual has helped drivers since 1912.

  • USAA: Exclusively for military members and their families, USAA has comprehensive policies and top customer satisfaction.

  • State Auto: Operating in 18 states, State Auto Insurance sells policies through local agencies like State Auto of North Kansas City.

  • American Family: Focusing on community-based service, American Family sells affordable auto insurance tailored to North Kansas City drivers.

Along with these national and regional brands, several local insurers provide policies to North Kansas City area residents. Consulting with a local insurance agent allows you to get quotes and compare rates from multiple companies at once.

What Auto Insurance is Required in North Kansas City?

Under Missouri state law, all drivers are required to carry the following minimum car insurance coverage:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability
  • $25,000/$50,000 uninsured motorist coverage

Liability insurance covers damages that you cause to others in an accident where you are deemed at-fault. The uninsured motorist coverage applies if you’re hit by a driver with no insurance who is responsible for the collision.

While these limits meet state minimum requirements, experts recommend buying more than the minimums for better protection. Many drivers purchase:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $100,000 uninsured motorist bodily injury

Higher liability limits spare you from large out-of-pocket costs if you cause an accident with major damages or injuries to others. Uninsured motorist coverage also protects you in more severe crashes caused by uninsured drivers.

Additional Auto Insurance Coverage Options in North Kansas City

Beyond mandatory liability insurance, you may want to add some of these top optional coverages:

  • Comprehensive: Pays to repair damage to your vehicle from incidents other than collisions, like theft, vandalism, hail, fire, and falling objects.

  • Collision: Covers repair costs when your vehicle is damaged in an accident you cause.

  • Rental reimbursement: Pays for a rental car while your vehicle is in the repair shop after a claim.

  • Gap insurance: Covers the difference between what your vehicle is worth and what you still owe if it’s totaled and you have an outstanding loan.

  • Roadside assistance: Provides towing and services like battery jumps, locksmiths, fuel delivery if you break down.

  • Accident forgiveness: Prevents premium increase due to your first at-fault accident with the company.

  • Mechanical breakdown insurance: Optional coverage that can pay for vehicle repairs needed due to mechanical failure.

Bundling these options with your car insurance policy provides protection and peace of mind in the event your vehicle is damaged or stolen.

How to Save on North Kansas City Car Insurance

Finding discount opportunities can help North Kansas City drivers save hundreds per year on auto insurance. Be sure to ask about discounts like:

  • Multi-policy discounts for insuring your home with the same provider

  • Multi-car discounts for covering all household vehicles on one policy

  • Good driving discounts for accident-free drivers

  • Good student discounts for teen drivers with B averages

  • Defensive driver discounts for completing a safety course

  • Low mileage discounts for driving minimally per year

  • Auto-pay discounts for setting up recurring electronic payments

  • Anti-theft discounts on vehicles with anti-theft devices

Taking advantage of these common car insurance discounts provides major savings for North Kansas City motorists.

Top 5 Car Insurance Companies in North Kansas City

Now that you know what car insurance entails in North Kansas City, let’s look at some of the top providers servicing local drivers. We compared companies based on rates, coverage options, discounts, financial strength, customer service reputation, and local agent availability.

1. State Farm

With affordable rates and community-based agents, State Farm is a top choice for North Kansas City families. Customers benefit from:

  • Usage-based Drive Safe & SaveTM program
  • Multi-policy and safe driver discounts
  • Comprehensive coverage choices and add-ons
  • Excellent financial strength and claims satisfaction
  • Over 210 local State Farm agents in the Kansas City area

2. Allstate

Known for excellent customer service and customized local policies, Allstate delivers quality coverage with options like:

  • Accident forgiveness protection
  • New car replacement for recently purchased vehicles
  • Safe driving bonuses and loyalty discounts
  • Convenient managing through the Allstate mobile app
  • Bundling options for added savings

3. Shelter Insurance

Focused on local communities, Shelter Insurance provides full-service independent agents and benefits such as:

  • Customized auto and home bundle packages
  • Accident forgiveness on you first at-fault crash
  • Significant discounts for safe drivers
  • Personal tools to manage your policy
  • Fast claims service with helpful adjusters

4. American Family

Backed by over 90 years of experience, American Family excels at personalized service with:

  • Usage-based insurance program through KnowYourDrive
  • Multi-policy and multi-car savings
  • Accident forgiveness and diminishing deductible
  • Convenient mobile app and online account management
  • Exceptional financial strength and customer satisfaction

5. Farmers Insurance

Known for flexible policies and bundling options, Farmers Insurance offers:

  • Robust mobile app and online tools
  • Accident forgiveness and new car replacement
  • Good student, safe driver, and anti-theft discounts
  • Quick claims handling with helpful agents and adjusters
  • Packages for home, auto, renters, boats, motorcycles

Work With a Local Independent Insurance Agent

Connecting with a trusted local insurance agent provides a simple way for North Kansas City drivers to compare multiple carriers and get expert advice on the right auto insurance policy.

Local agents have in-depth knowledge of Kansas City insurance providers, discounts, and coverage options. They can assess your vehicle, driving habits, budget, and needs to match you with the perfect

The Cheapest Car Insurance in 2023


How much is car insurance in Kansas per month?

The average cost of car insurance in Kansas per month is $35 for minimum coverage, while full coverage is an average of $157 a month. Kansas’ average full coverage premium is about 7 percent cheaper than the national average rate. Minimum coverage in Kansas fares even better, at 33 percent below the national average.

Leave a Comment