Lees Summit, MO Car Insurance

The average cost for car insurance in Lees Summit is about $83 a month. To learn more about policy rates and coverage in the Lees Summit area, continue reading our guide below.
How does Lees Summit compare to the surrounding area and the rest of Missouri? What rates should residents of Lees Summit expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Lees Summit?

Area Average Monthly Car Insurance Premium
Lees Summit$83
MO$77
United States$80

As you can tell from the chart above, the cost of coverage in Lees Summit is about $6 a month more expensive than the rest of Missouri.

Similarly, the expected monthly payments for an auto insurance policy in Lees Summit are above the national average. It's about $3 more expensive for coverage in Lees Summit than the average rates for the U.S. as a whole.

Bear in mind that while these rates represent the expected monthly payments for residents of Lees Summit, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.

We've done the heavy lifting for you and broken down the average rate for Lees Summit so that you can get a more accurate idea of what your policy will cost you. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$778
18-24$113
25-34$53
35-44$58
45-54$60
55-64$77
65+$68

The more time you have behind the wheel, the more experienced of a driver you should be. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may climb back up in Lees Summit.

Average Car Insurance Rates by Gender

Gender Average
Male$90
Female$74

In general, car insurance rates for women are usually cheaper than they are for men. In Lees Summit, male drivers pay about $16 more a month. As illustrated in the table above, male drivers in the area pay about $90 on average, while female drivers pay around $74 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$87
Multiple Accidents$85
1 Ticket$118
Multiple Tickets$122

One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Lees Summit, a driving record with a single accident will usually get you a rate around $87 a month. In addition, drivers with one ticket can expect to pay around $118 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$67
2-3 Years$104
4-5 Years$60
6-7 Years$106
8-10 Years$135
11-14 Years$66
15 Years or Older$76

The cheapest vehicles to insure in Lees Summit are usually SUVs, with each type typically costing about $64 per month.

Car owners will see rates of about $93, while truck and van owners typically pay around $70 per month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. In Lees Summit, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$86
Married$79
Divorced$64
Widowed$45

On average, those who have settled down into marriage will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

In Lees Summit, the difference in rates based on relationship status can be as much as $7 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$57
Rent$78
Live with parents$113

Another factor that comes into play is your housing status. In Lees Summit, homeowners can expect to pay around $21 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

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

Car Insurance Companies in Lees Summit, MO

Recent trends in car insurance for Lees Summit drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

In Lees Summit, the rates for car insurance went up from 2016-2018, before leveling out in 2019. Rates finished down in 2021, at $71 a month

How does Lees Summit compare to neighboring areas?

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

There are many factors car insurance companies take into consideration when choosing how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Rate of crime
  • Road safety
  • Regional laws
  • Amount of drivers in the area
  • Access to off-street parking

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful 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.

Fortunately, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous 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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

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

Local laws, crime rates, and parking situations -- 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?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Lees Summit or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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