The growing metropolitan area of Kansas City seems like it was made for driving. Whether you're taking in the local art scene, marveling at the plethora of beautiful fountains, learning about the local history or checking out one of the world-famous barbecue joints, Kansas City has no shortage of options to keep you motoring around town. There are additional alternatives available for those who would rather not drive, including buses, street cars and 1,000 miles of planned bike lanes to be installed over the next two decades.
Although Kansas City is home to over a half million people, its low population density, well-maintained roads and widely dispersed areas of employment result in low commute times. In fact, Kansas City is believed to be the second least-congested big city in the U.S., and its average commute time of under 23 minutes ranks among the lowest in the country.
Despite the easy driving conditions, weather problems in Kansas City can cause some serious driving hazards. The state of Missouri is ranked third in the country in natural disasters, with 51 climate disasters occurring over the last decade at a cost of around $15 billion. This propensity for climate-related disasters definitely has a bit of an impact on rates for car insurance in Kansas City. VIU by HUB can assist in finding the best rate by enabling cost comparisons of local providers.
Kansas City insurance rates are also impacted by the area's accident rates. The Missouri Department of Transportation reports that the area has shown an annual increase in fatal car accidents over the last few years. Of the 1,045 traffic-related deaths in the state of Missouri in 2022, 17% occurred in the Kansas City area. Despite the city's low traffic congestion, aggressive, impaired and distracted drivers are responsible for significant hazards on the roadways.
Drivers in Kansas City can expect to pay approximately $194 for liability insurance and $325 for full coverage on a monthly basis. This is a bit higher than the state average of $175 per month. The average car insurance rates for the state of Missouri are very comparable to the national average.
Missouri state law requires that vehicle owners and drivers carry liability insurance coverage. They must show proof of insurance during vehicle registration and license plate renewal processes.
Minimum levels of coverage required by the state include the following:
Requirements for uninsured motorist coverage include the following:
The right car insurance policy can provide you the peace of mind of knowing that your vehicle and its occupants are protected. A basic policy provides coverage in the following areas:
If you are concerned about finding affordable car insurance in Kansas City, there is no need to worry. At VIU by HUB, we can assist in your search for a quality policy at competitive prices. Our advanced tools allow you to compare quotes from a variety of reputable insurance agencies in the Kansas City area so you can find a policy that meets your needs.
Kansas City Accident Injury Attorneys