Lees Summit, MO Car Insurance

The average cost for car insurance in Lees Summit is about $77 a month. Read our guide below to learn more about your specific rates.
Compared to their surrounding area, how do rates in Lees Summit stack up? What about against the rest of Missouri? What rates should residents of Lees Summit expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Lees Summit?

Area Average Monthly Car Insurance Premium
Lees Summit$77
MO$76
United States$81

As you can tell by looking at the chart above, car insurance rates in Lees Summit are about the same as the rest of Missouri.

However, the expected monthly payments for an auto insurance policy in Lees Summit are below the national average. Auto insurance coverage in Lees Summit is about $4 cheaper than it is for the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Lees Summit, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Lees Summit residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$778
18-24$110
25-34$53
35-44$54
45-54$56
55-64$66
65+$68

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay $42 more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates climb back up in Lees Summit.

Average Car Insurance Rates by Gender

Gender Average
Male$83
Female$69

Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Lees Summit, where male drivers pay about $14 more a month. As illustrated in the table above, female drivers in the area pay about $69 on average, while male drivers pay around $83 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$85
Multiple Accidents$84
1 Ticket$99
Multiple Tickets$94

Your rates can change quite drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Lees Summit with a single accident will pay around $85 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $99.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$67
2-3 Years$95
4-5 Years$60
6-7 Years$91
8-10 Years$110
11-14 Years$61
15 Years or Older$75

In Lees Summit, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $60 per month for insurance coverage.

Car owners, on the other hand, usually pay around $85 per month, while truck and van drivers can expect to pay about $68 a month for car insurance.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is about 5 years old. In Lees Summit, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$79
Married$76
Divorced$62
Widowed$45

Overall, those who are currently married will pay slightly less for insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

As you can see in the table above, married couples pay about the same rate as single drivers in Lees Summit.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$55
Rent$72
Live with parents$113

One other element taken into consideration is your housing situation. If you rent your home or apartment in Lees Summit, expect to pay around $17 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Lees Summit, MO

Recent trends in car insurance for Lees Summit drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Lees Summit, the rates for auto insurance increased from 2017-2018, but began to decrease in 2021. This trend has continued through the present where they reached a low of $43 per month.

How does Lees Summit compare to neighboring areas?

Why are car insurance rates in Lees Summit different from other areas?

There are a number of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • General road safety (how many accidents each locality has)
  • Crime
  • Off-street parking availability
  • Total number of drivers
  • Local laws

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Lees Summit?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies in Lees Summit.

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Lees Summit Insurance FAQs

What factors affect car insurance quotes in Lees Summit?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Lees Summit different from other neighboring cities?

Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Lees Summit?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Lees Summit?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Lees Summit or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes