Best Car Insurance Companies in Lee’s Summit – September 2022

A car is a important possession, and you want to guarantee it’s well-protected in case of an mishap. That’s why car insurance is so crucial, and it’s something you need to research prior to you purchase a policy. There are a great deal of various car insurance companies out there, and they all have pros and cons. To help you narrow down your choices, we’ve compiled a list of the very best car insurance companies in Lee’s Summit, September 2022. We’ve considered elements like customer service, coverage alternatives, discount rates, and more to assist you pick the ideal insurer for your needs.

Best Cheap Car Insurance Companies in Lee’s Summit

Lee’s Summit is one of the most pricey states for car insurance, so searching for the very best rates is necessary. The cheapest car insurance companies in Lee’s Summit are Geico, State Farm, and Progressive. When searching for car insurance in Lee’s Summit, compare rates from multiple companies to discover the best offer.

Here are the top 5 car insurance companies in Lee’s Summit – September 2022:


Geico is Best Car Insurance Companies in Lee's Summit

Geico is among the most widely known and earliest car insurance companies in the United States. The company was founded in 1936 and has become the nation’s second-largest car insurer. Geico offers a wide range of insurance products, such as auto, house owners, occupants, bikes, and boat insurance. The company is popular for its effective marketing campaign featuring Geico Gecko and other characters.

The Pros and Cons of Geico


  • Available in all 50 states. Geico is an insurance company that offers auto protection in every state. They supply auto insurance to homeowners no matter where they live in the United States.
  • User friendly. Geico has actually created a user-friendly site and mobile app that is straightforward, easy to utilize, and secure. You can utilize the platform to manage your insurance coverage, file claims, and make payments.
  • Lots of discount rates. You can minimize your Geico insurance premiums by making the most of the discounts they use, such as if you have a tidy driving history or are a federal staff member.


  • It only sells through Geico agents. If you’re considering dealing with an independent broker, they will not be able to estimate Geico policies. That’s because Geico just sells their policies straight and won’t partner with other companies. Nevertheless, if you ‘d like to compare your options, we can show you prices estimate from top companies without inputting all of your info for each quote.
  • Geico doesn’t finance all of its other items. Geico partners with third-party companies to offer other insurance products, like property owners insurance. That suggests that Geico will satisfy your auto claim, but you might need to take care of your house owner’s insurance claim with an company like AIG.



There are a couple of things to think about when looking for the very best car insurance companies in Lee’s Summit. The very first is rate. You’ll want to find a business that provides a reasonable rate on your premium. The 2nd is coverage. You’ll wish to guarantee you get the right protection for your needs. And the third is customer support. You’ll wish to discover a business with excellent customer service and simple to work with. Relating to car insurance, progressive companies tend to be more costly than others. However they also use more coverage choices, which can be worth the additional cost. Progressive deals different types of protection, consisting of accident, thorough, liability, and medical payments. They likewise have a range of discounts offered, consisting of discount rates for good drivers, safe drivers, and chauffeurs who have actually taken a protective driving course.

If you’re trying to find the best car insurance companies in Lee’s Summit, rate isn’t the only thing you need to think about. Coverage and client service are essential factors too. However if you’re looking for a progressive business using lots of coverage choices and discount rates, then advanced might be the right option.

The Pros and Cons of Progressive


  • It provides a variety of insurance options. So you can find the protection that Best matches your requirements.
  • Among the largest car insurers in the United States. so you can be confident that you’re getting dependable coverage.
  • Discount rates. Offers discount rates for a range of things, including safe driving, multi-car policies, and more
  • Trusted brand. It has a well-known and relied on brand name, so you can be sure you’re getting quality protection.


  • The company does not have the most extended history in the market. Founded in 1937, Progressive is one of the more recent insurance providers compared to companies like State Farm and Allstate. Depending on your viewpoint, this might be seen as favorable or negative.
  • Progressive might not have the most comprehensive array of protection options readily available. While they offer basic car insurance protection, they may not have as lots of add-on alternatives as other insurance companies.
  • Progressive’s rates are not always the cheapest. They are frequently competitive, however there are sometimes more cost effective options. This is why it’s constantly essential to compare rates from numerous insurers prior to making a decision.
  • Some consumers have complained about client service problems with Progressive. While this is definitely not universal, it is something to be familiar with if you’re considering them as your insurance company.

State Farm

State Farm

State Farm is a large and widely known car insurance company in the United States. The business provides its clients with a wide variety of protection choices, discount rates, and advantages. In Addition, State Farm has a solid financial score and an extensive network of agents and claims agents. State Farm is an excellent choice for trustworthy and reasonably priced auto insurance. With over 80 years of market experience, they have offered quality coverage to their clients at a reasonable price. In addition, they offer numerous discounts and perks that can help you conserve even more cash.

The Pros and Cons of State Farm


  • History business. The business has a long history of supplying quality coverage and outstanding customer support, making it one of the most trusted names in the industry.
  • Protection choices. State Farm uses comprehensive protection choices so that you can tailor your policy to your particular needs.
  • Rates and discount rates. They provide competitive rates and discount rates, saving you money on your premium.
  • Quick and easy claims process. State Farm is known for its quick and easy claims process, which can help you get back on the roadway after an mishap.


  • Widest range. The business does not have the best variety of protection choices, so you might be not able to discover a policy that exactly fits your requirements.
  • Greater rates. State Farm’s rates are generally on the higher side when compared to other insurance providers.
  • Slow processing. Some consumers have actually grumbled about the claims procedure, stating it can be sluggish and frustrating.


Allstate One of the Best Car Insurance Companies in Lee's Summit

Allstate is one of the country’s largest auto insurance companies, guaranteeing over 16 million cars. They supply a wide range of coverage alternatives and excellent customer support. Allstate auto insurance is not like your common insurance policy. For beginners, Allstate offers a pay-per-mile program. Driving less can help you save cash on your insurance premiums. It works by installing a device in your car that displays your mileage. Then, at the end of every month, you send Allstate reports detailing the variety of miles you drove. Allstate will compute your premium for the following month based upon this information.

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The Pros and Cons of Allstate


  • Available in all 50 states. Chauffeurs all over the nation (including Florida, Alaska and Hawaii) can insure their vehicles with Allstate, which isn’t true of all of its rivals.
  • High claims fulfillment ratings. Allstate scored 876 out of 1000 on the 2020 J.D. Power Auto Claims Satisfaction Study, putting it above the market average and other major car insurance companies like Geico, Safeco and Liberty Mutual.
  • Wide variety of discount rates available. Allstate offers a long list of discount rates for drivers, including cost savings for paying your policy completely, going paperless, and bundling your auto with house insurance or another policy through Allstate.
  • Distinct savings opportunities. Allstate also provides its signature Drivewise program. Taking part drivers utilize an app that tracks their driving behaviour and can get money off their premiums for safe driving.
  • Will guarantee high-risk drivers. In particular states, Allstate uses non-standard car insurance for motorists thought about “high-risk” and might have problem discovering protection from other insurance companies.


  • Our sample quote was greater than typical. When we ran a sample quote for an average motorist through Allstate, we got rates higher than the nationwide average for car insurance. You may require to go into their discounts to get the very best offer on your protection.
  • Some middling customer ratings. While Allstate ratings well for claims complete satisfaction, its general customer scores are average with third-party firms like J.D. Power and Consumer Reports.



Founded in 1922, USAA is a Fortune 500 company that offers a full range of insurance and financial services items to more than 13 million members of the military community and their households.

With its headquarters in San Antonio, Texas, USAA has more than 30,000 employees and runs in all 50 states. The company’s insurance consists of auto, house owners, life, health, and umbrella coverage.

USAA consistently ranks amongst the best car insurance companies concerning client complete satisfaction. In J.D. Power’s 2020 U.S. Auto Insurance Study, USAA received the greatest possible rating in every classification, consisting of overall fulfillment, declares fulfillment, policy offerings, rates, and billing procedure and interactions.

In addition to its excellent client service rankings, USAA is also one of the most economical car insurance providers in Lee’s Summit. In our study of the best low-cost car insurance companies in N.Y., USAA had an average annual rate of $1,028– practically $400 less than the state median!

The Pros and Cons of USAA


  • Competitive rates. Among the most considerable advantages of USAA auto insurance is its competitive rates. This is important since it can save you a great deal of cash on your premiums.
  • Outstanding credibility. USAA is a well-known and highly regarded company that can provide you peace of mind regarding your protection.
  • Deal lots of discount rates. If you have several cars or are a safe chauffeur, you might be eligible for discount rates on your premium.
  • Have excellent client service. If you have any questions or issues with your policy, their customer care agents will enjoy to assist you.


  • Only run in certain states. This implies that if you relocate to a different state, you will no longer have the ability to keep your policy with them.
  • Not cover all of the damages triggered by mishap. This means that if your car is totalled, you might not get sufficient cash from

How Much Does Car Insurance Cost in Lee’s Summit?

Lee’s Summit car insurance rates are a few of the greatest in the country, however there are still ways to conserve. Let’s take a look at the average cost of car insurance in Lee’s Summit and some of the best methods to get more affordable coverage.

How Much Does Average Car Insurance Cost in Lee’s Summit?

The typical cost of car insurance in Lee’s Summit is practically $400 above the national average. The high cost of car insurance in Lee’s Summit is mainly due to the high number of accidents and thefts in the state.

Numerous elements affect the expense of car insurance in Lee’s Summit. These include the kind of vehicle you drive, your driving record, your age, where you live, and the amount of protection you need.

If you’re trying to find ways to save on car insurance in Lee’s Summit, consider raising your deductible, making the most of discounts, and looking around for the very best rates.

How to Find the Best Car Insurance in Lee’s Summit?

If you’re trying to find the best car insurance in Lee’s Summit, there are a few things you’ll want to bear in mind. Initially, consider your needs and spending plan. What type of coverage do you require? How Much can you manage to invest? When you have a excellent idea of what you’re looking for, start comparing rates from different insurers.

A couple of terrific resources can assist you compare rates and discover the best offer. The Lee’s Summit State Insurance Department’s site lists insurance providers and their contact info. You can likewise utilize an online quote contrast tool like The Zebra to get quotes from numerous insurance providers.

When you’re ready to purchase, shop around and compare rates before selecting a policy. Likewise, ensure you comprehend your policy’s terms before signing on the dotted line.

Car Insurance Discounts in Lee’s Summit

There are a number of discount rates available to Lee’s Summit chauffeurs relating to car insurance. Lots of insurers use a discount rate for taking driver’s education courses, and there are also discount rates readily available for young motorists who keep excellent grades in school. Additionally, some insurance providers use a “pay-as-you-drive” discount based upon the quantity of driving you do each year.

You may be eligible for several discount rates if you have a clean driving record, consisting of a safe driver discount or a great student discount. Some insurers likewise offer discounts for installing particular safety gadgets in your vehicles, such as anti-theft or mishap avoidance systems. Finally, many insurance providers offer loyalty discounts for consumers who have actually been with the company for a particular duration.

Frequently Asked Questions

What Are the Different Types of Car Insurance Coverage Offered in Lee’s Summit?

There are several types of best car insurance protection offered in Lee’s Summit. The most common types are accident, extensive, liability, and injury defense (PIP). Collision protection spends for damage to your vehicle if you hit another item. On the other hand, thorough protection spends for damage to your car from events such as fire, theft, or vandalism. Liability protection protects you if you are responsible for damages or injuries triggered to another person. At the very same time, PIP spends for medical expenditures and lost earnings if you are injured in a car accident.

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What Are the Minimum Liability Requirements for Car Insurance in Lee’s Summit?

The minimum liability requirements for car insurance in Lee’s Summit are $25,000/$50,000/$10,000. Your insurance company will pay up to $25,000 for injuries sustained by someone in an mishap, $50,000 for injuries sustained by 2 or more individuals in an mishap, and $10,000 for residential or commercial property damage caused by mishap. However, it is essential to note that these are only the minimum requirements, and you may need higher limits depending on your scenario.

How Can I Get the Best Deal on Car Insurance in Lee’s Summit?

You can do a few things to get the very best offer on car insurance in Lee’s Summit. One is to shop around and compare rates from different companies. Another is to benefit from discount rates that may be readily available, such as a excellent driver discount rate or a discount for having several policies with the same company. You can also raise your deductible to lower your premium.

What Other Factors Should I Consider When Shopping for Car Insurance in Lee’s Summit?

When searching for the best car insurance companies in Lee’s Summit, you ought to think about other aspects, such as your vehicle type, driving history, and circumstances. For instance, if you live in an area with a high crime rate, you may wish to purchase detailed protection to protect your vehicle from theft or vandalism. If you have a bad driving history, you may wish to purchase higher limitations of liability coverage.

What is the very best Car Insurance in Lee’s Summit?

When it comes to car insurance, there is no one-size-fits-all response. The best car insurance for you will depend on numerous elements, including your driving record, the value of your car, and your spending plan.

That said, some insurers are less expensive than others in Lee’s Summit. Based upon our research, the three most cost effective car insurance companies in Lee’s Summit are Geico, Progressive, and State Farm.

Geico is the largest car insurer in the United States and provides a variety of discount rates, consisting of for great chauffeurs and members of particular expert organizations.

Progressive is another big insurance company with a wide range of discount rates for safe drivers and those who sign up for automatic payments.

State Farm is the biggest service provider of house owners’ insurance in the United States and also uses car insurance. It offers a variety of discounts, consisting of for safe motorists and excellent students.

Is Car Insurance Required in Lee’s Summit?

Yes, car insurance is needed in Lee’s Summit. All chauffeurs in Lee’s Summit must have liability insurance, which covers damages to other individuals and residential or commercial property in case of an accident. You must also have uninsured/underinsured vehicle driver coverage, which safeguards you if you’re hit by a driver who does not have insurance or doesn’t have enough insurance to cover your damages.

How Much Car Insurance Do I Need in Lee’s Summit?

Lee’s Summit law requires all motorists to have car insurance. The minimum protection you must purchase is $25,000 for bodily injury liability per individual, $50,000 for physical injury liability per mishap, and $10,000 for residential or commercial property damage liability per accident. However, these are just the minimum amounts required by law. You may wish to buy more than the minimum limitations to secure yourself economically.

Can Bad Credit Affect the Cost of My Car Insurance?

Many believe their credit report will not affect their car insurance rates, however this is not constantly the case. In Lee’s Summit, insurance companies can utilize your credit information when calculating your premium. This practice is called “credit-based insurance scoring” and can substantially impact your car insurance expense.

If you have a bad credit rating, you might be seen as a high-risk chauffeur and be required to pay a greater premium. On the other hand, if you have a great credit history, you may be qualified for discounts and may end up paying less for your car insurance.

All insurers do not use credit-based insurance scoring in Lee’s Summit, so it’s necessary to look around and compare rates from numerous companies prior to selecting a policy. Make sure to ask each insurer if they utilize credit information when setting rates and how it might affect your premium.

Why is Car Insurance Expensive in Lee’s Summit?

Lee’s Summit car insurance rates are pricey due to the fact that of the high cost of living in the state. Lee’s Summit need to pay more for gas, repairs, and other car-related costs than people in other states. The Lee’s Summit spends about $2,200 a year on car insurance, almost double the national average.

There are a couple of reasons that car insurance is so expensive in Lee’s Summit. One reason is that the state has a lot of densely inhabited areas. This indicates that there are more cars and trucks on the roadway and more chances for accidents to occur. Lee’s Summit also has many traveler destinations, implying out-of-state drivers are most likely to get into accidents.

Another reason car insurance is costly in Lee’s Summit is that the state needs all chauffeurs to bring accident protection (PIP) protection. PIP spends for medical costs and lost incomes if you’re injured in an mishap. It’s needed in the majority of states, but Lee’s Summit’s PIP coverage is amongst the most comprehensive and expensive in the nation.

If you reside in Lee’s Summit or are thinking about moving there, comparing car insurance rates from different companies prior to purchasing a policy is important. The rates can differ considerably from business to business, so it pays to search. You can use our tool listed below to compare rates from different companies and find the very best deal for your circumstance.

Why Do Car Insurance Rates Vary by Company and Driver?

There are lots of factors that insurance companies consider when setting rates, consisting of the chauffeur’s age, gender, driving history, and the type of car being guaranteed. However, the most crucial factors are company-specific underwriting requirements and claims experience.

Underwriting is the insurance provider’s process to decide whether to accept or decline a potential consumer. Each business has various underwriting standards, so some might be more going to guarantee high-risk drivers than others. Claims experience is another vital aspect that can trigger rates to vary from business to business. If an insurance provider has had a great deal of claims filed against it in a specific state or for a particular type of vehicle, it might charge greater rates to offset its losses.

The best method to figure out which business has the very best rates for you is to search and compare quotes from numerous insurance providers. Make sure you’re comparing apples to apples by getting quotes for the same level of protection from each business. And do not forget to ask about any discount rates that might be available.

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