Prairie Village Auto Insurance Rates, Quotes, Agents & Reviews in KS

Prairie Village, KS Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Prairie Village, KS, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Car Owners can Save Up to $449 in Prairie Village, KS

The average cost of car insurance in Prairie Village, KS $1,605. This cost is higher than nearby locations like Merriam but much lower than other nearby locations like Mission Hills, Fairway, Westwood, and Mission Woods. Car owners in Prairie Village, KS can save $449 and more by opting for multi-car insurance policies. Various other factors like the age of the driver, location, and credit score can also help car owners to get discount and lower the cost of auto insurance in Prairie Village, KS. Below is a list by Zimlon highlighting factors that can help car owners in Village, KS to save more on car insurance costs.

Multi-Car Insurance: 

Drivers who own multiple cars can save more by opting for a multi-car insurance policy by insuring all their vehicles under the same auto insurance company. Insurance companies in Prairie Village, KS  offer attractive discounts for bundling as well. Car owners can save more by purchasing their life, auto, and home insurance from the same insurance company.

car_owners_can_save_up_to_449_in_prairie_village_ks

Anti-Theft Feature: 

Equipping vehicles with anti-theft features like an audible alarm or active disabling device can influence the cost of car insurance in Prairie Village, KS. Cars equipped with safety devices are less prone to thefts, therefore, auto insurance companies provide a considerable amount of discounts to vigilant car owners. However, these discounts on auto insurance depend on the type and number of safety devices installed in the vehicle.

According to Zimlon’s research, the insurance cost for an audible alarm and active disabling device is $1,541 in Prairie Village, KS. For other safety features like a tracking device and passive disabling device, insurance cost is $1,509 and $1,493 respectively. 

Driving Violations: 

Driving Violations is another crucial factor that influences the cost of car insurance in Prairie Village, KS. Violations such as driving with an expired license or speeding can have a severe influence on the cost of car insurance because it increases the amount of risk being covered by insurers. Car owners in Prairie Village, KS can save more on the cost of car insurance by avoiding driving violations. 

Zimlon’s research found that driving without headlights in Prairie Village, KS can add $71 to the car insurance costs. Other violations like driving at a considerably slower pace, using a cellphone while driving, running a red light, and speeding can increase the insurance cost up to $400. More severe violations like driving with an expired or suspended License cost more than $1,082 in Prairie Village, KS. 

Credit Score:

Having an “excellent” or “good” credit score will also help to make car insurance less expensive in Prairie Village, KS. Several auto insurance companies provide discounts to car owners that have a higher positive credit score. In Prairie Village, KS, if a driver’s credit score is exceptional, the cost of auto insurance can be as low as $1,377. Whereas the cost of car insurance can get as high as $2,182 and $2,618 if the credit score is average or poor. 

Factors that can influence the cost of car insurance in Prairie Village, KS are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Prairie Village, KS Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Prairie Village, KS with that of other cities in and around Prairie Village.

Prairie Village Mission Hills Fairway Merriam Westwood Mission Woods
Average Insurance Rates $1,605 $2,392 $1,706 $1,509 $1,572 $1,990

Prairie Village, KS Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Prairie Village, KS based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Prairie Village $1,262 $1,066
Mission Hills $2,233 $1,886
Fairway $1,449 $1,224
Mission $1,654 $1,397
Roeland Park $1,418 $1,198
Mission Woods $1,443 $1,219
Merriam $2,868 $2,422
Westwood $1,164 $983

Prairie Village, KS Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Prairie Village, KS usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,208
20 Years $2,062
30 Years $1,588
40 Years $1,528
50 Years $1,415
60 Years $1,435
70 Years $1,670

Prairie Village, KS Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Prairie Village, KS can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,761 $449
3 Vehicles $4,141 $674
4 Vehicles $5,521 $899

Savings on 2 Vehicles bundle:$449

Savings on 3 Vehicles bundle:$674

Savings on 4 Vehicles bundle:$899


Prairie Village, KS Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Prairie Village, KS.

Location Average Insurance Cost Post DUI Insurance Rate
Prairie Village $1,605 $2,675
Mission Hills $2,392 $3,987
Fairway $1,706 $2,844
Mission $1,516 $2,527
Roeland Park $1,515 $2,525
Mission Woods $1,990 $3,317
Merriam $1,509 $2,515
Westwood $1,572 $2,620

Prairie Village, KS Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,377
Excellent (740-799) $1,572
Good (670-739) $1,672
Average (580-669) $2,182
Poor (300-579) $2,618

Prairie Village, KS Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Cody Corr State Farm 4866 W 135th St, Leawood, 66224-8715 913-402-7428
Cretcher Heartland Travelers 4551 W 107TH ST FL 3, OVERLAND PARK, 66207 913-341-8998
Paul Binner Allstate 12920 Metcalf Ave Ste 180, Overland Park, 66213 (913) 851-0522
Michael Perez Farmers 8645 College Blvd Ste 125, Overland Park, 66210 (913) 649-9898
Cornerstone Kansas City Llc Travelers 4400 COLLEGE BLVD STE 150, OVERLAND PARK, 66211 913-378-1050
Cornerstone Kansas City Llc Travelers 4400 COLLEGE BLVD STE 150, OVERLAND PARK, 66211 913-378-1050
Commercial & Personal Ins Agency Liberty Mutual Independent 11503 WEST 75TH ST STE 201, SHAWNEE, 66214 913-906-9511
Wesley Phillips Farmers 13200 Metcalf Ave Ste 190, Overland Park, 66213 (913) 681-6565
Johnston Fiss Insurance Liberty Mutual Independent 5225 W 75TH ST STE 200, SHAWNEE MISSION, 66208 (913) 396-0800

Prairie Village, KS Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$71 $1,676
Driver's Failure In Showing Documents +$156 $1,761
Driving With An Expired Registration +$165 $1,770
Driving At A Considerably Slow Pace +$348 $1,953
Using A Cellphone While Driving +$368 $1,973
Running A Red Light +$374 $1,979
Speeding +$393 $1,998
Driving A Vehicle Without The Required Permission +$499 $2,104
Driving With An Expired/Suspended License +$1,082 $2,687

Prairie Village, KS Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,541
Active Disabling Device $1,541
Tracking Device $1,509
Passive Disabling Device $1,493