Lees Summit drivers pay an average of $2,065/year — $294 more than the national average. With 1,460 crashes per year and a 2.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $505/year.
(888) 217-6781Estimated full coverage auto insurance rates for Lees Summit, MO from top carriers. Rates are adjusted for Lees Summit's 1,460 annual crashes, 2.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $786 | $131/mo |
| Shelter Insurance | $852 | $142/mo |
| Progressive | $882 | $147/mo |
| State Farm | $967 | $161/mo |
| Allstate | $1,173 | $195/mo |
Estimates based on 2026 rate filings for ZIP 64081. GEICO is cheapest at ~$131/mo. Actual rates vary by driver profile and exact Lees Summit location.
These Lees Summit-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Lees Summit, MO. Takes under 2 minutes.
(888) 217-6781Lees Summit is a mid-size city in Missouri with a population of 101,108. While it avoids the extreme congestion of larger metros, Lees Summit has its own risk factors — growing commuter traffic, expanding development, and tornadoes, severe thunderstorms, flooding, ice storms, hail — that shape local auto insurance rates. Drivers in Lees Summit typically pay close to the Missouri state average, with significant variation by ZIP code and neighborhood.
For official Missouri insurance regulations, visit the Missouri Department of Commerce and Insurance. For driver licensing, see the Missouri DOR Motor Vehicle.
Your specific ZIP code within Lees Summit can swing your premium by hundreds of dollars. Here's how rates compare across Lees Summit neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 64087 | Lees Summit South Side | $1,977/yr | $165/mo |
| 64086 | Lees Summit North Side | $2,008/yr | $167/mo |
| 64093 | Lees Summit West Side | $2,078/yr | $173/mo |
| 64083 | Lees Summit East Side | $2,097/yr | $175/mo |
| 64081 | Lees Summit Downtown/Central | $2,245/yr | $187/mo |
The cheapest ZIP is 64087 (Lees Summit South Side) at $1,977/yr. The most expensive is 64081 (Lees Summit Downtown/Central) at $2,245/yr — a $268/year difference for the same driver.
Your Lees Summit ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Lees Summit. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,337/yr | $361/mo | +110% vs avg |
| Young Adult (20-25) | $2,891/yr | $241/mo | +40% vs avg |
| Adult (26-35) | $2,065/yr | $172/mo | 0% vs avg |
| Mid-Career (36-50) | $1,817/yr | $151/mo | -12% vs avg |
| Senior (51-65) | $1,714/yr | $143/mo | -17% vs avg |
| 65+ | $1,838/yr | $153/mo | -11% vs avg |
Teens in Lees Summit pay an average of $4,337/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,714/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Missouri cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Lees Summit drivers can save up to $505/year. ZIP 64087 (Lees Summit South Side) has the lowest rates starting at $1,977/yr.
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