Car insurance is a safety net that helps you from paying out-of-pocket expenses after an accident. Kansas City has specific risks that reinforce the importance of having a policy, such as:

• Traffic on Roadways: Interstate loops like I-70 and I-435 see heavy traffic and increase the likelihood of accidents.
• Neighborhood Risks: Downtown and the Crossroads District also see heavy traffic while suburban areas like Liberty pose long commutes, all of which increase the likelihood of accidents.
• Sudden Weather Events: Kansas City is no stranger to flash flooding or hailstorms, which pose non-collision risks.

Drivers need to meet state-mandated requirements in the event that they are the at-fault driver.

In Kansas City, the legal requirements are:

• $25,000 per person and $50,000 per accident in Bodily Injury Liability
• $25,000 per accident in Property Damage Liability
• Uninsured Motorist (UM) Coverage

It’s worth noting that while there are minimum limits for liability. Some drivers see the benefit of increasing their liability limits just in case they are at fault for more serious or expensive accidents.

Visit our Missouri car insurance page to read full details of these coverages.

If you’re at fault and need insurance to pay for repairs or your medical expenses, additional coverage is needed. Many drivers see the benefits of adding the following coverage to their policies: 

• Collision Coverage: Helps cover damages to your vehicle after a covered accident, regardless of fault. Subject to your deductible.
• Comprehensive Coverage: Helps cover non-collision damages (e.g., theft or weather) caused by a covered event. Subject to your deductible.
• Rental Reimbursement: Helps pay for a rental while your vehicle is being repaired.
• Medical Payments: Offers financial assistance for injuries in the event of an accident.
• Roadside Assistance: Helps cover the cost of towing if your vehicle cannot be driven due to an accident or breakdown.

This isn’t a full list of every additional coverage option, just the ones that are commonly recommended. These descriptions are also general in nature so you can understand how they help. 

At Goosehead, our agents take the time to learn your situation so they can find coverage that makes the most sense for your needs and budget. 

On average, those that have liability only policies pay around $600 a year. Those that have more coverage on their policies tend to pay around $2,100 but may be as high as $3,000 a year.

However, premiums in Kansas City aren’t just based on your coverage and deductible selections. Other rating factors include:

• Location: Certain areas of Kansas City face higher traffic or weather risks, meaning accidents are more likely to happen.
• Vehicle Type: Customized or luxury cars cost more to repair, so these cars typically have higher premiums.
• Age: Younger drivers aren’t as experienced yet, so they see higher premiums.
• Driving Record: The number of violations or accidents on your record will influence your costs.
• Mileage: Those that commute for work or have high annual milage may have higher premiums.

High-quality coverage doesn’t have to break the bank. There are many strategies you can use to help reduce your rates, such as:

• Bundling Policies: Carriers offer discounts if you bundle auto insurance with another policy.
• Shop Around Annually: Goosehead makes it easy to shop around, looking for different rates.
• Safe Driver Discounts: Defensive driving courses or staying violation or accident-free helps qualify you for savings.
• Install Safety Features: Anti-theft features or other smart features in your vehicle may also qualify you for discounts.

At Goosehead, we put our clients’ needs front and center, and make sure their insurance policy makes the most sense to them. Here’s why drivers trust us:

• Comparisons For You: We have access to top-rated carriers, so we do the comparison work for you.
• Customized Solutions: Once our agents learn your needs, they can present a policy made just for you.
• Expert Guidance: Our agents know what drivers need to look out for, so they can offer you expert advice.
• Commitment to Service: We’re here to answer any questions you may have so you have the best customer service experience.