Cheap Car Insurance in Kansas City, Missouri

Kansas City is Missouri's largest city and is situated on both the Kansas and Missouri Rivers. The city was incorporated in 1853 as a settlement along the fur trade route in the Midwest. Kansas City is now known for its elaborate, working fountains. It is also known as a center for international law firms and agricultural companies.

Driving Conditions in Kansas City

Every big city has its problems with traffic congestion and roads that have fallen into disrepair. Road conditions in Kansas City make for a bumpy ride, and officials in the city have acknowledged the problem. A project to be completed throughout 2013 aims to resurface roads across the city.

Odd Laws in Kansas City

Officials have repealed the law since it was brought to the attention of lawmakers, but there was a time when it was not illegal to speed on the roads in Missouri.

Kansas City Crime Statistics

- Auto Thefts

Data gathered by the Federal Bureau of Investigation reveals that there were 3,392 auto thefts in Kansas City in 2011. This translates to a rate of 7.4 auto thefts per 1,000 residents.

- Property Crimes

There were 25,545 property crimes in Kansas City in 2011. This translates to a rate of 55.4 property crimes per 1,000 residents.

- Drunk Driving

There were 465 DUI-related crashes in Kansas City in 2011.

- Crash Statistics

According to the Missouri State Highway Patrol, Kansas City had the highest number of accidents per capita in the state in 2011. There were 15,896 traffic crashes in Kansas City.

Kansas City Vehicle and Driving Safety Requirements

The Governors Highway Safety Association maintains a database of information about driving safety requirements in each state. Missouri state law dictates that motorcyclists must always wear a helmet while riding. Drivers under the age of 21 are not permitted to text while driving. Using a cell phone is not banned for drivers age 21 and over.

Seat belts are required for everyone riding in the front seat of a vehicle. Children under the age of 16 must wear a seat belt, and children seven years of age and under must use a booster seat or car seat.

Impaired Driving Laws in Kansas City

The Missouri Department of Revenue advises that the legal limit for blood alcohol content (BAC) level is .08. A BAC level of .04 is considered to be the legal limit for commercial drivers.

The consequences for a DWI in the state of Missouri are dependent on whether a person has previously been charged with a DWI. First-time offenders face a 90-day license suspension. This penalty is increased to five years for second-time offenders and 10 years for third-time offenders. Fines and jail time may also be ordered.

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Car Insurance Kansas City, Missouri Agents

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  • Bargain Insurance Connection


    Samir Rasiti
    Auto insurance, car insurance, home insurance; motorcycle insurance; sr22 insurance, commercial vehicle; boat & rv insurance

    What makes your specific agency stand out from your competition?
    We are an independent insurance agency specializing in auto and home insurance. We can also insure people requiring an sr22 filing. Regardless of the license status, we can insure you. We also offer express license reinstatement.

    • N/a

    • Property & Casualty

    • PR209425

    2635 Ne Vivion Rd
    Kansas city, MO 64119
    (816) 453-7722
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  • Debbie Baker


    6300 Walnut St
    Kansas City, MO 64113
    (816) 361-4200
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    I highly suggest using Debbie's agency for all of your insurance needs. They really enjoy putting you first and making sure you have adequate coverage for your lifestyle. If you are looking for new insurance of any kind, contact Debbie!

    Thank you Debbie for all of the hard work you do for my family and I. We have used Debbie for years and can't imagine working on our insurance needs with anyone else.

  • Demasters Insurance


    1130 Westport Rd
    Kansas City, MO 64111
    (816) 531-1000
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    Thanks for the great service, quick turn around and good rates too.

  • Jennifer Hubbs Insurance Agency


    9759 N Cedar Ave
    Kansas City, MO 64157
    (816) 781-2044
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    Jennifer Hubbs, the agent at this location is a nice person and has her office staffed with helpful and pleasant people. However, exercise extreme caution when insuring your belonings with State Farm. I made a claim for a broken windshield and State Farm refused to pay the full amount to fix/repair my vehicle corrrectly. They tried to have me fix the vehicle at an unqualified glass repair shop that was not even versed in the proper replacement procedure. I was forced to spend hours of my own time researching how to have the glass properly installed. At the end of the day, I was out of pocket my deductible (completely fine) and over $300.00 of my own money to have my vehicle repaired. I spent hours on the phone with various members of the State farm team in different parts of the country trying to get my vehicle fixed correctly. The majority with the exception of one of the reps., were rude, condescending, and arrogant. My agent told me she was powerless to assist me in getting State Farm to do the right thing and fix my vehicle. So again I was forced to pay my deductible and an addtional $300 plus dollars. In this case State Farm was "Not like a good neighbor, and was definitely not there for me". Proceed at your own risk.

  • Kc Insurance


    3215 Main St Ste 100b
    Kansas City, MO 64111
    (816) 753-7599
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    The staff was very professional and able to fully explain my coverages and get me the best rate. Would recommend them to anyone!

  • Steve Conway


    3911 N Oak Trfy
    Kansas City, MO 64116
    (816) 452-6700
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    Whenever I call the office, the staff always picks up and can answer my questions.

    Steve Conway is an attentive agent and answers every question I have. He really goes above and beyond my expectations.

  • A & A Insurance Agency
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  • Adam H Chatfield
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  • Brooke Agency - Antonio Lee
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  • David D Smale
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  • Farmers Insurance - Chris Campbell
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  • Kansas City Mortgage & Insurance Agency
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  • William L Hein
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  • Wm Steven Marshall
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  • Jeff Kerber
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  • Karl Eisenberg
  • Sue Dock
  • Judith Anglin
  • Duane Kressley
  • Dennis Hartness
  • Beatrice Denker
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Auto body shops Kansas City, Missouri

Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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