Car Insurance in Lenexa, KS

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Driving in Lenexa

Lenexa, KS, is a medium-sized city home to more than 58,000 people spread throughout 19 different neighborhoods. The city is welcoming, with a diverse economy, plenty of entertainment and an attractive downtown area. Some of its most popular attractions include Shawnee Mission Park Amphitheater and Historic Old Town Lenexa.

The city offers public transportation through Johnson County Transit. Its routes encompass the entire county, including stops in downtown Lenexa and express service to local colleges. However, more than 85% of the city's residents prefer having their own cars, making car insurance necessary.

The average cost of a minimum coverage policy in Lenexa is $1,725 per year, slightly lower than the national average of $2,014 per year for minimum coverage. Your personal payment depends on a variety of factors. 

Crime and Other Insurance Cost Factors

Area crime is one of the biggest determining factors when you choose any insurance policy. Property crime is especially important to auto insurance providers. The national average property crime rate is 35.4 reports per 100,000 people. Lenexa's property crime rates are slightly lower at 27.1 reports per 100,000 people. which could work favorably for your premium.

The car you drive and how often you drive it matters as well. Newer cars typically cost less to insure because they have the most robust security and safety features. However, a new sports car costs a lot and will cost more to insure. You may also pay more if you commute long distances or spend a lot of time in your car for work. 

Personal factors should be considered as well. New drivers are less experienced, more likely to get into an accident and cost more to insure. Men get into more accidents than women and usually pay higher premiums. You may be able to save money by finding discounts, driving a family-friendly car and bundling your insurance policies. 

The Cost of Car Insurance in Lenexa, KS

The average yearly cost for car insurance in Lenexa, KS, is $1,725. This is slightly more affordable than the national average of $2,014 per year. The exact amount you pay depends on which policies you choose. 

In Kansas, you must carry liability coverage, personal injury protection coverage and uninsured/underinsured motorist coverage. You must have at least $25,000/person ($50,000/accident) for bodily injury liability and $25,000/accident for property damage liability. PIP coverage requires $4,500/person for medical expenses, $25/day for in-home services, $4,500 for rehabilitation expenses, $900/month (equalling one year) for loss of income and $2,000 for funeral expenses. Finally, you must have $25,000/person ($50,000/accident) in uninsured/underinsured motorist protection.

It is also essential to consider more coverage, especially if you drive often. You need a collision protection plan if you get into an accident involving guardrails, concrete barriers or rollover situations. Comprehensive coverage is also a good idea because it protects against natural disasters such as tornadoes or fires. 

Saving Money on Car Insurance Premiums

One of the easiest things you can do to save on car insurance in Lenexa, KS, is to adjust your deductible. Experts say changing your deductible from $500 to $1,000 will help you save about 11% on your premium. You can skip the extra coverage if you have an older car and your annual premium is at least 10% of the car's book value. 

VIU by HUB takes the complications out of choosing car insurance in Lenexa, KS. You can compare quotes in about 30 seconds and receive access to a trusted insurance advisor and the ability to sync your policies.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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