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Cheapest car insurance in Lees Summit, Missouri (Dec 2023)
Cheapest car insurance in Lees Summit, Missouri (Dec 2023)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Lees Summit, Missouri.
Find Insurance Savings (100% Free!)
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance in Lees Summit
- Best Car Insurance Companies in Lees Summit
- Best cheap car insurance quotes in Lees Summit
- Average cost of car insurance in Lees Summit
- Car insurance quotes in Lees Summit by rating factors
- How Do Different Factors Impact Your Car Insurance Costs in Lees Summit?
- Cheap car insurance quotes in Lees Summit after driving violations
- Cheap car insurance quotes in Lees Summit by age
- Cheap car insurance quotes in Lees Summit based on insurance history
- Cheap car insurance quotes in Lees Summit for popular cars
- How to lower car insurance costs in Lees Summit
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance in Lees Summit
Car insurance in Lees Summit costs about $148 per month for minimum liability coverage, and about $148 per month for full coverage insurance. Lees Summit drivers pay 16% less the
Missouri
average. | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $238 | Irene, 38 Zip: 64081 | Ford Fusion SE Hybrid | • State Minimum Liability • Comp / Collision |
| Safeco | $116 | Sarah, 55 Zip: 64086 | Chrysler 300 Limited | • 100,000/300,000 Liability |
| Allstate | $90 | Herman, 37 Zip: 64063 | Audi Q5 Premium Plus | • 100,000/300,000 Liability • Comp / Collision |
| Travelers | $356 | Elnora, 21 Zip: 64086 | Ford Focus Titanium | • 100,000/300,000 Liability • Comp / Collision |
| Clearcover | $170 | Mamie, 35 Zip: 64064 | Mitsubishi Galant ES Medium | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 27, 2023Best Car Insurance Companies in Lees Summit
There’s not one best car insurance company that offers the lowest rates to all drivers. Your individual car insurance quotes are based on your unique profile, which contains things like where you live, your age, your driving history, and in states like Missouri, even your credit score.
To make matters more complicated, each insurer has a different way of weighing the factors that go into that quote, so you could pay very different rates depending on which company you choose.
To make it easier to compare the cheapest car insurance companies, Jerry conducted the largest insurance carrier survey in the US, and the results might surprise you.
For instance, even though State Farm holds the largest market share in the state of Missouri, our customers only rated it 3.3/5 for policy cost satisfaction.
Our survey shows that the following insurers are rated highest for cost satisfaction in Missouri:
- Gainsco
- Nationwide
- ROOT
- State Auto
- The General
The table below shows how drivers in Lees Summit rate different companies on a scale of 0 to 5.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Progressive | 4.1 | 3.9 | 3.4 | 4.1 |
Geico | 3.8 | 3.6 | 3.7 | 4.2 |
Liberty Mutual | 3.8 | 2.5 | N/A | 3 |
USAA | 3.7 | 3.8 | N/A | 4.4 |
State Farm | 3 | 2.8 | N/A | 3.6 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Lees Summit
To get the very cheapest insurance in Lees Summit, you’d need to buy insurance that meets Missouri’s minimum liability insurance requirement.
But minimum liability can leave you financially responsible for thousands of dollars in medical bills and repair costs after an accident, and it won’t cover damage to your own car at all. We recommend upgrading your coverage limits to better protect yourself.
Cheap minimum liability insurance quotes in Lees Summit
To drive legally in Lees Summit, you’ll need insurance that meets the minimum coverage limits for bodily injury liability and property damage liability in Missouri.
- $25,000 per person and $50,000 per accident in bodily injury liability coverage
- $10,000 in property damage liability coverage per accident
- $25,000 per person and $50,000 per accident inMissouri uninsured motorist bodily injury coverage (UMBI)
Here are some examples of Lees Summit car owners that Jerry recently assisted with obtaining minimum liability coverage.
Erik (28 years old)
$166
per month
Millie (30 years old)
$79
per month
Jordan (35 years old)
$130
per month
Beulah (31 years old)
$109
per month
Do you need more than minimum coverage in Lees Summit?
Generally speaking—yes. If you can afford it, you will be better served by a policy that includes higher coverage limits.
Put simply, once your insurance limits have been exhausted, your provider won’t offer additional assistance for accident-related expenses. This means that you may be responsible for covering any remaining costs out-of-pocket.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Lees Summit
To protect yourself from expenses related to vehicle repairs or replacements, a
full coverage car insurance policy
is highly recommended.Full coverage policies generally include
comprehensive
and collision coverage
, in addition to meeting your state's minimum insurance requirements. - Comprehensive coverage addresses costs associated with non-collision incidents such as theft or vandalism
- Collision coverage takes care of repairs to your vehicle following an accident
Given the additional protection they provide, full coverage policies are typically required by lenders on financed or leased vehicles. While a full-coverage premium may entail higher upfront costs, the added peace of mind may justify the additional expense.
Discover how Jerry's agents have helped customers find the most budget-friendly full coverage policies:
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $238 | Irene, 38 Zip: 64081 | Ford Fusion SE Hybrid |
• 100,000/300,000 Liability • Comp / Collision | Allstate | $90 | Herman, 37 Zip: 64063 | Audi Q5 Premium Plus |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $356 | Elnora, 21 Zip: 64086 | Ford Focus Titanium |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $181 | Gerald, 35 Zip: 64064 | Mitsubishi Galant ES Medium |
• 50,000/100,000 Liability • Comp / Collision | Clearcover | $127 | Harvey, 46 Zip: 64082 | KIA Optima LX |
Last Updated Nov 29, 2023Because your rates can vary so much between providers, the best way to find the cheapest rates for the car insurance you need is to compare car insurance rates online.
Jerry,
a licensed broker
, has a free app that helps you compare car insurance quotes with ease—and our team of 100+ licensed insurance agents will make sure you get the best service when you need it.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Lees Summit
Jerry's experience with Missouri policyholders shows that drivers in the Show-Me State pay more for car insurance coverage than the national average.
Specifically, the estimated cost of full coverage insurance in Missouri is around $148 per month, or $1,770 per year. Minimum liability insurance, on the other hand, costs approximately $148 per month, or $1,770 per year.
Insurance averages may be useful in helping you predict your own insurance costs—but keep in mind that exactly what you pay for coverage will come down to personal factors, such as your demographics, discount eligibility, location, and more.
Car insurance quotes in Lees Summit by rating factors
Your car insurance premium is determined based on various rating factors. These factors are rooted in risk-related characteristics that include:
- Your driving record/ claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean driving record.
- Your demographics: Factors such as age, gender, and marital status can influence the cost of your insurance.
- Your location: St. Louis drivers and other city dwellers often encounter higher premiums, due to increased crime rates and higher population density in cities.
- Your mileage: Higher annual mileage can result in elevated insurance costs.
- The make/ model of your car: Luxury, sport, and high-performance vehicles typically come with higher rates for collision and comprehensive coverage, as replacement parts are often more expensive to procure.
How Do Different Factors Impact Your Car Insurance Costs in Lees Summit?
How Do Different Factors Impact Your Car Insurance Costs in Lees Summit?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Missouri currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Lees Summit:
Cheap car insurance quotes in Lees Summit after driving violations
As one of the primary rating factors impacting your car insurance costs, your
Missouri driving record
holds significant weight. Insurance companies deem individuals with a history of violations as higher-risk policyholders, leading to potential increases in insurance costs.- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Lees Summit after speeding ticket
Jerry has successfully assisted drivers with various speeding tickets in saving on their car insurance premiums.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 11-15 | Bristol West | $207 | Phillip, 63 Zip: 64064 | Toyota Camry | • State Minimum Liability |
Speeding 16-20 | Progressive | $137 | Hester, 35 Zip: 64064 | Mitsubishi Galant ES Medium | • 50,000/100,000 Liability • Comp / Collision |
Speeding 21+ | Bristol West | $207 | Celia, 63 Zip: 64064 | Toyota Camry | • State Minimum Liability |
Last Updated Dec 3, 2023Cheapest car insurance in Lees Summit after an at-fault accident
Similar to your driving record, your accident history also holds a significant influence over your car insurance rates.
Insurance companies will take into account your history of at-fault accidents to assess the level of risk you pose. Recent at-fault accidents could result in considerable increases in insurance rates.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $238 | Alberta, 38 Zip: 64081 | Ford Fusion SE Hybrid | • State Minimum Liability • Comp / Collision |
Not At Fault | Travelers | $122 | Wesley, 37 Zip: 64081 | Chevrolet Equinox LT | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Allstate | $202 | Willie, 34 Zip: 64081 | Dodge Journey SE | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Dec 3, 2023Cheapest car insurance in Lees Summit after other driving violations
In addition to speeding tickets and DUIs, other violations such as
reckless driving
and driving on a suspended license can also cause your car insurance costs to increase in Lees Summit.We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $111 | Lou, 27 Zip: 64086 | Hyundai Tucson Limited | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Allstate | $163 | Mattie, 22 Zip: 64081 | Chrysler 200 Touring | • State Minimum Liability • Comp / Collision |
Last Updated Dec 3, 2023Cheap car insurance quotes in Lees Summit by age
In Missouri, teenage drivers face higher car insurance costs compared to any other age group in the state. Seniors over the age of 60 may also notice higher rates.
Cheapest car insurance in Lees Summit for young drivers
Elevated
insurance rates for new drivers
are partly due to teen drivers’ limited driving history, along with increased risks of accidents. As teenage drivers mature into young adults, however, their rates gradually start to decline.When it comes to novice drivers hitting the road, a full coverage policy can provide the best protection. Jerry specializes in assisting teen drivers locate the most affordable options for full-coverage policies.
Myra (24 years old)
$276
per month
Edwin (21 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Lees Summit, MO (Zip Code: 64086)$262
per month
Glenn (23 years old)
$147
per month
Cheapest car insurance in Lees Summit for senior drivers
Similar to teenage drivers,
car insurance rates for senior drivers
are typically higher than the national average. Insurers consider senior drivers high-risk because:- Senior drivers have a higher likelihood of being involved in car accidents
- Accidents involving senior drivers typically result in more severe injuries and increased medical expenses
Cheap car insurance quotes in Lees Summit based on insurance history
Your insurance history, like your driving record, is a significant rating factor in the eyes of insurance companies. Specifically, insurers will look at how long you have been insured and whether you’ve experienced any
lapses in coverage
. Sophie (38 years old)
$238
per month
Blake (21 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Lees Summit, MO (Zip Code: 64086)$356
per month
Hettie (35 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Lees Summit, MO (Zip Code: 64064)$181
per month
Katharine (29 years old)
$154
per month
Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I was paying 220 for full coverage thru state farm but swapping over to clear cover I instantly started saving 100$ and they are easy to use!
Lane
I'm happy with the quote I was given from Progressive and Jerry's assistance I'm finding an insurance company with in my budget
Troy
This car insurance is so cheap! I love it and it was so convenient!! Paying is even convenient!
Addison
Just started coverage a couple days ago i already feel safe
Jamal
Cheap car insurance quotes in Lees Summit for drivers with poor credit
In Missouri, your credit score can mean the difference between higher or lower insurance costs.
While having bad credit doesn't necessarily imply being a bad driver, it can still lead to higher insurance rates. That’s because insurance providers have noticed a connection between lower credit scores and a higher likelihood of filing claims.
Consequently, having a lower credit score can result in increased annual premiums. Based on our data, drivers with poor credit scores (below 550) typically face car insurance rates that are roughly 20% higher compared to those with credit scores above 750.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $111 | Austin, 37 Zip: 64063 | Audi Q5 Premium Plus | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Safeco | $100 | Nicholas, 65 Zip: 64081 | Toyota Corolla | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Travelers | $356 | Blake, 21 Zip: 64086 | Ford Focus Titanium | • 100,000/300,000 Liability • Comp / Collision |
550 - 659 | Bristol West | $109 | Callie, 31 Zip: 64064 | Saturn Outlook XR | • State Minimum Liability |
< 550 | Gainsco | $172 | Alta, 28 Zip: 64086 | Chevrolet Cruze LT | • State Minimum Liability |
Last Updated Dec 2, 2023Cheap car insurance quotes in Lees Summit for popular cars
The most popular car models for Missouri drivers are:
- Toyota Camry
- Chevrolet Equinox
- Honda Accord
- Ford F-150
- Toyota Corolla
Last Updated Dec 3, 2023How to lower car insurance costs in Lees Summit
1. Shop around and compare quotes
Every insurance company follows its own formula for setting premiums—and those formulas change constantly! To make sure you’re always paying the best rates for the car insurance coverage you need, experts recommend comparing quotes from at least three insurance companies. You should also shop for new rates every six months.
Sound like a lot of trouble? Luckily, Jerry makes it easy! In just 45 seconds, our app will deliver the most competitive quotes taken from our network of over 55 of the nation’s top insurance providers. Best of all? It’s free!
2. Hunt for car insurance discounts
Insurance companies all offer a
variety of discounts
, but they don’t all offer the same ones. Here are some of the most common:- Good driver discounts. Insurers love to reward safe drivers, so you may notice a big drop in your premium if you avoid an accident for 3–5 years.
- Telematics discounts. Telematics programs use an app or device to track your driving. Some insurers will give you a discount just for signing up, but most save the biggest discount for people who drive well during the test period.
- Good student discounts. Full-time students in either high school or college with a B average or better may be able to get a discount on their car insurance.
3. Increase your deductible for comprehensive and collision coverage
If you have comprehensive and collision coverage on your policy, you can lower your monthly premium by raising your deductible. Just make sure to choose a deductible you can reasonably expect to pay if there’s an accident.
FAQ
What is the best car insurance in Lees Summit?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. AAA, Nationwide, and Liberty Mutual receive good ratings from Lees Summit drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the cheapest car insurance in Lees Summit?
Based on thousands of Lees Summit drivers Jerry has worked with, car insurance in Lees Summitcosts an average of $148 per month for state-minimum coverage and $148 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the cheapest car insurance in Lees Summit?
Based on thousands of Lees Summit drivers Jerry has worked with, car insurance in Lees Summitcosts an average of $148 per month for state-minimum coverage and $148 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Lees Summit, Missouri?
Missouri’s minimum car insurance requirements
include $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $10,000 in property damage liability coverage per accident. This amount of coverage is more simply expressed as 25/50/10.Additionally, drivers must also carry at least $25,000 per person and $50,000 per accident in
Missouri uninsured motorist bodily injury coverage (UMBI)
. Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
