Why Is Auto Insurance More Expensive On The Missouri Side of Kansas City?

Kansas city has a large metro area, part of which is separated across state lines over a river. The majority of Kansas City is actually on the MO side while a smaller portion rests on the Kansas side. This can be confusing to anyone who isn’t local since the largest, more popular part of the city doesn’t reside in the state it’s named after.

When people think of “Kansas City,” they are usually thinking about the Missouri side where most of the tourist attractions are. This is where the Chiefs and the Royals play their games, the land of fountains, and the home of great jazz music and barbeque. KCMO is where you will the famous Country Club Plaza and the Nelson-Atkins Art Museum as well. It’s known for being a densely populated urban area, the largest city in Missouri by area and population.

One more thing the Missouri side is known for it the fact that car insurance premiums are significantly higher than on the Kansas side of the city. Even if you live in MO and work in KS, you have to get your insurance where your place of residence is. Let’s take a look at the Missouri auto insurance minimums and why they are higher in Kansas City, Missouri.

In Missouri you are required by law to carry liability insurance with a minimum of $25,000 per person for bodily injury or $50,000 per accident and $10,000 for property damage per accident. If you are purchasing the minimum, keep in mind that in the state of MO, an injured party can sue you for any amount the insurance does not cover. The minimum liability laws are similar in the state of Kansas but you have to have even more property damage ($$25,000), so why are the rates higher in Missouri?

There are three things at play in determining rates in Kansas City. First, there is a lot of bad weather with hail, high winds and tornados. Second, areas with higher population and more traffic have higher rates due to higher rates of accidents. The third factor is theft, and there is significantly more population and car theft on the MO side of Kansas City. This drives premiums up in that area.




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