Looking for cheap auto insurance in Kansas City? Auto Insurance Center will provide you with the best cheap auto insurance quotes.

As the second largest city in Missouri, Kansas City is said to have more fountains than any other city except Rome and more boulevards than any other city except Paris.

After becoming U.S. territory from the Louisiana Purchase, Kansas City was first established as a trading post in 1821 by Frenchman Francois Chouteau. Chouteau and other French families became the first non-Native American settlement in the area.

Kansas City was incorporated on June 1, 1850, though its official name wasn’t used until 1899. The city grew in population from 500 in 1840 to 2,500 by 1853.

During the Civil War, Kansas City played a role in the largest Union-Confederate clash in Missouri, where the Union army won and became the main stakeholder in the area.

After the war, Kansas City grew into a major cattle market thanks to railroads running through the city. Kansas City continued to grow in population and in business.

Kansas City attractions include: Nelson-Atkins Museum of Art, Westport, Country Club Plaza, National World War I Museum, Power & Light District and Kauffman Stadium.

Kansas City has two professional sports teams, the Chiefs (NFL) and Royals (MLB). The Royals have had the most recent success, winning the World Series in 2015. The city also hosts various intercollegiate football games, and has been the home of the Big 12 College basketball tournament.

Insurance Discounts in Kansas City

In Missouri, driving a green vehicle can earn you insurance discounts. These include:

• Hybrid auto discounts
• Low-mileage discounts
• Economy car discounts
• Alternative fuel vehicle discounts
• Pay-as-you-drive discounts

Common insurance discounts from car insurance companies include:

• Good student
• Multi-car
• Multiple policy
• Automatic payment
• Bundling auto with homeowners or renters
• Paid-in-full

Remember that the best way to save money with auto insurance is to keep a clean driving record.

Kansas City Driving Conditions

The Kansas City climate is both humid subtropical and humid continental. The annual high temperature is 66 degrees and the annual low temperature is 47.4 degrees. Because Missouri is a landlocked state, the city experiences extreme hot and cold temperatures. Summers are hot and humid while the winters are mild with occasional snowfall and ice storms. Kansas City is on the border of Tornado Alley and can experience tornados as well as severe thunderstorms.

Drivers should check weather conditions before traveling.

Crime Statistics

According to the 2015 Crime in the United States report, Missouri had 173,642 accounts of property crime and 16,999 accounts of vehicle theft.

Missouri Driver’s License

As a legal resident of Missouri, you’ll need to obtain a Missouri driver’s license. Those with a valid out-of-state license will be required to pay an application fee.

When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of Missouri residency and proof of your Social Security number.

Seat Belt Laws

In Missouri, the driver and front-seat passengers must wear a seat belt. Those under 16 must be either restrained by a seat belt or car seat.

Missouri law states that children must be in a booster or car seat from ages 4-7, unless they are 80 pounds or 4’9” or taller. Fines for violating this law is $50 plus court costs.

Cell Phone & Texting Laws

Texting and using a hand-held mobile device while driving is prohibited.

Odd Law

In Missouri, it is illegal to drive with an uncaged bear.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.