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.
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.
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 Rates
- Prairie Village, KS Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Prairie Village, KS
- Multi Vehicle Insurance Savings in Prairie Village, KS
- How Credit Score Affects Car Insurance Rates in Prairie Village, KS
- How DUI Affects Auto Insurance Premiums in Prairie Village, KS
- Top Auto Insurance Agents Near Prairie Village, KS
- How Driving Violations Affect Auto Insurance Rates in Prairie Village, KS
- Prairie Village, KS Auto Insurance Discounts on Anti Theft Feature
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 |