Auto Insurance Lee's Summit, MO

Kansas City metro traffic can challenge even the best drivers, so strong auto insurance in Lee's Summit, MO, is essential.
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Life in Lee's Summit for Motorists

Lee's Summit is a perfect place to raise a family. ranked near the top of Fortune magazine's list of kid-friendly towns in 2023. Located just a short drive from Kansas City, this fast-growing suburb has more than 103,000 residents, according to the latest U.S. Census data. If you live in the area or you're considering a move, finding the right auto insurance in Lee's Summit, MO, can help you stay on budget.

Driving in the Lee's Summit Area

While the Kansas City Area Transportation Authority offers an extensive public transit network with access in Lee's Summit, most people commute alone in their own vehicles (more than 86%, according to Sperling's Best Places). It takes most people about 24 minutes to get to school or work, lower than the national average of nearly 27 minutes.

Concerns for Lee's Summit Motorists

Missouri drivers may worry about the state's rising rate of serious auto accidents. Fatal crashes rose by 12% between 2019 and 2020, according to the Missouri State Highway Patrol, although the total number of collisions decreased for the same period. Many of these incidents resulted from speeding, distracted driving and failure to yield the right of way.

Severe weather also poses a concern for local car owners. The city's location in Tornado Alley increases the risk of severe weather damage caused by strong wind and hail. Comprehensive auto insurance in Lee's Summit, MO, pays to repair or replace your vehicle after this type of incident. You can find the best rates by comparing prices with VIU by HUB.

Average Cost of Auto Insurance in Lee's Summit, MO

According to data from Bankrate, Lee's Summit residents pay an average of $1,890 per year for full-coverage auto insurance, slightly below the Missouri average of $1,943 for a full-coverage policy. In comparison, drivers across the U.S. pay about $2,014 annually for similar coverage. Minimum coverage costs significantly less, around $490 per year on average in Missouri.

Drivers ages 30 and older as well as people who have clean driving records typically qualify for even lower rates. Your rate may also be different from your neighbor's based on the type of car you have or even an increased claim frequency from one block to the next. Shop around with VIU by HUB to find your best prices for auto insurance.

Missouri Auto Insurance Requirements

The state mandates specific insurance coverage for motorists. You must carry liability insurance of at least $25,000 per person and $50,000 per accident for bodily injury, as well as $25,000 for property damage. In addition, your policy needs uninsured motorist coverage of $25,000 per person and $50,000 per accident for bodily injury.

Most drivers need more than the state minimum auto insurance for full financial protection. For example, collision coverage pays for damage to your vehicle after a crash regardless of fault, while comprehensive coverage takes effect in the case of vandalism or theft. You can also add optional policies that pay for lost wages if you become disabled in an accident.

Find Exceptional Car Insurance in Lee's Summit

You can balance the financial risks of driving with strong full-coverage auto insurance in Lee's Summit, MO. Use the fast, easy online quote tool from VIU by HUB to compare personalized prices from multiple providers.

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




Missouri State Highway Patrol

Sperling's Best Places

U.S. Census Bureau

Auto insurance in Missouri by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.