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Cheap Car Insurance in Kansas City, Kansas

Find cheap car insurance in Kansas City, home of the Kansas Speedway, the World War I Museum and top rated barbecue and jazz. Kansas City shares its name with the neighboring city just over the Missouri state line, but the two are hardly “twin” cities. The community on the Kansas side is known as the more blue collar, industrial city, while the Missouri Kansas City is more urban, affluent and densely populated.

Where “KCK” as it is known has an estimated 152,000 residents, Kansas City, Missouri is pushing 500,000. The three largest employers are the University of Kansas Hospital, University of Kansas Medical Center and General Motors.

Driving Conditions in Kansas City

From Kansas City, Interstate 35 runs north to Des Moines, Iowa, and south to Wichita. Interstate 70 runs east to St. Louis and west to Denver, Colo. The mammoth business and entertainment district known as Village West, anchored by the Kansas Speedway, lies at the intersection of interstates 70 and 435.

The Kansas City area in general has caught a break when it comes to gridlock compared to cities its size. Kansas City’s average commute time is just under 23 minutes, shorter than the national average of 26 minutes but longer than the 21-minute average commute on the Missouri side. For updated traffic and travel information, visit

Unique Laws in Kansas City

Kansas is one of a handful of states where it is illegal for any vehicle to use hazard lights while moving, according to a list state laws compiled by Other states allow it in emergency situations or to indicate a hazard such as heavy rain, while some allow hazard light use at any time.

If you’re a hunter, be aware that state laws still prevent you from using mules to hunt ducks or shooting at rabbits from a motorboat.

Kansas City Crime Statistics

Kansas City’s violent crime rate of 6.4 offenses per 1,000 people is nearly twice that of the state average of 3.7 offenses per 1,000, the Kansas Bureau of Investigation reported.

As far as property crimes, criminologists believe auto theft is replacing burglary as the main crime of opportunity, thanks to a higher monetary return and lower chance of getting caught or injured, the KBI report stated. Kansas City logged 989 incidences of auto theft in 2015, or a rate of 657 offenses per 100,000 people, nearly triple the national average.

Not surprisingly, the Kansas City metro area ranked at No. 43 on a list ranking of worst cities for auto theft released for 2016 by the National Insurance Crime Bureau. However, the city’s auto theft rate by 2016 had dropped to 435 incidents per 100,000.

Kansas City Safety Requirements

In 2010, enforcement of seat belt laws became a Primary law in Kansas, enabling police to stop and ticket drivers of any vehicle for not wearing seat belts. Those in the back seat can be cited only when there is another offense. A driver can be stopped and issued a citation if an officer spots an unrestrained child in a vehicle, according to the Kansas Highway Patrol. Violations of the Child Passenger Safety Act result in a $60 fine and court costs. The Kansas Child Passenger Safety Act was amended in 2006 requiring children ages 4, 5, 6, and 7 to ride in booster seats. Texting while driving is banned statewide.

Kansas City Impaired Driving Laws

Drivers with a blood alcohol concentration of .08 or higher are charged with driving under the influence, according to the Kansas Department of Transportation, and anyone convicted of DUI with a child under 14 in the car will receive an extra month of jail time. First offenders will get 48 hours of jail time plus fines, 100 hours of community service and a 30-day suspension and then driver’s license restrictions.

The BAC drops to .02 for minors under 21. Charges are enhanced if a driver has a BAC of more than .15. Regardless of your background, it’s possible to find cheap car insurance in Kansas City, Kansas; contact us to compare rates.

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Dig you know

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

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

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

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