For a 40-year-old driver with a clean record, Lee’s Summit car insurance averages about $192 a month ($2,309 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% below the Missouri average of $203 a month. Shelter has the lowest full-coverage average among the five major insurers we compared (American Family, GEICO, Progressive, Safeco and Shelter), at about $144 a month.
Lee’s Summit costs less than Kansas City and most of Jackson County in our data: about $34 a month less than Kansas City and about $11 a month less than the Missouri average.
Our data covers five ZIP codes with a Lee’s Summit mailing address, from about $186 a month in 64082 to $202 in 64064.
Lee’s Summit is in eastern Jackson County and extends south into Cass County, and I-470, US 50, M-291 and M-150 serve the city, according to the City of Lee’s Summit. Kansas City is about 18 miles northwest, and commuters who drive there pay the price of where they live, not where they work: our benchmark driver averages about $192 a month here and $226 in Kansas City. Many insurers also ask how far you drive each day, so tell yours if your commute changes.
Cost data comes from the auto rates insurers file with state regulators, priced across all five Lee’s Summit ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Lee’s Summit, MO?
Full coverage in Lee’s Summit averages $2,309 a year, or about $192 a month, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $775 a year ($65 a month), and 50/100/50 liability with comprehensive and collision averages $2,370 ($198 a month).
- Full coverage (100/300/100, $500 deductibles): $2,309 a year ($192 a month)
- 50/100/50 with $500 deductibles: $2,370 a year ($198 a month)
- Liability only (25/50/10): $775 a year ($65 a month)
- Jackson County: $2,685 a year ($224 a month) for full coverage
- Missouri average: $2,431 a year ($203 a month) for full coverage
- ZIP code range: $186 (64082) to $202 (64064) a month for full coverage
Cheap Car Insurance in Lee’s Summit: Companies Compared
- Lowest average among the five major insurers we compared, full coverage: Shelter, at about $144 a month ($1,729 a year).
- Next lowest: Progressive, at about $167 a month, then Safeco and GEICO, effectively tied at $196 and $202.
- Lowest liability-only average (25/50/10): Progressive, at about $44 a month, then Shelter at $49.
- State Farm (Nov. 2025 rates)*: about $221 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $98 a month, Travelers at $138, Missouri Farm Bureau at $199 and Nationwide at $209 (USAA sells only to military families).
- Most expensive in our data: American Family, at about $254 a month, $1,315 a year more than Shelter for the same driver and car.
Shelter has the lowest full-coverage average among the five insurers in our Lee’s Summit rate data. The recent published statewide Missouri rate studies we reviewed most often rank Travelers cheapest for full coverage: four of the six put it first, one ranks Shelter and one Nationwide, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among these five insurers, at about $44 a month, followed by Shelter at $49.
Full-coverage averages by insurer in Lee’s Summit
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Shelter | $586 | $49 | $1,729 | $144 |
| Progressive | $524 | $44 | $2,006 | $167 |
| Safeco | $937 | $78 | $2,348 | $196 |
| GEICO | $792 | $66 | $2,418 | $202 |
| American Family | $1,035 | $86 | $3,044 | $254 |
| State Farm (Nov. 2025 rates)* | $815 | $68 | $2,655 | $221 |
| USAA (military families)* | $343 | $29 | $1,172 | $98 |
| Travelers* | $602 | $50 | $1,656 | $138 |
| Missouri Farm Bureau* | $552 | $46 | $2,385 | $199 |
| Nationwide* | $1,204 | $100 | $2,512 | $209 |
| Lee’s Summit average | $775 | $65 | $2,309 | $192 |
This table uses Lee’s Summit ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Lee’s Summit Car Insurance Rates by ZIP Code
Across the five Lee’s Summit ZIP codes we price, full coverage for our driver ranges from about $186 a month in 64082 to $202 in 64064, a gap of $193 a year. 64082, on the south side, is the least expensive ZIP code in our data, and 64064, on the north side, the most expensive.
Lowest-priced Lee’s Summit ZIP codes
Highest-priced Lee’s Summit ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Lee’s Summit’s average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 64063 | $776 | $65 | $2,268 | $189 | -2% |
| 64064 | $800 | $67 | $2,426 | $202 | +5% |
| 64081 | $780 | $65 | $2,292 | $191 | -1% |
| 64082 | $743 | $62 | $2,233 | $186 | -3% |
| 64086 | $774 | $65 | $2,326 | $194 | +1% |
Your ZIP code matters
Does Better Coverage Cost More in Lee’s Summit?
Full coverage at 100/300/100 limits costs less on average than 50/100/50 in our Lee’s Summit data: $2,309 a year compared with $2,370, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. American Family, Safeco and Shelter charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Lee’s Summit?
Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Lee’s Summit ZIP codes, their full-coverage average fell from $2,835 a year nine months earlier to $2,299 in rates as of Aug. 31, 2026, an 18.9% drop. American Family’s Lee’s Summit average fell 30.5%, Progressive’s 25.5% and Shelter’s 7.5%, but GEICO’s rose 0.8%. Safeco is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Lee’s Summit average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/10 limits fell 6.9%, led by American Family, which cut its liability-only average 17.2%.
What Shapes Car Insurance Costs in Lee’s Summit
Jackson County averages about $224 a month for full coverage, the second-most expensive of the 79 Missouri counties we price, after St. Louis City, and Lee’s Summit sits well below that county average.
Greenwood, to the east, averages about $186 a month, and Grandview, to the west, $218. Prices depend on where in Missouri you live, not just on your car and driving record.
For liability-only coverage at 25/50/10 limits, Lee’s Summit averages about $65 a month, about $12 a month less than Kansas City ($77). The Missouri liability-only average is $65.
Among insurers priced in both, American Family’s full-coverage average differs most between Lee’s Summit and Kansas City: about $254 a month compared with $306, a gap of about $52.
Of the eight Jackson County places in our data, only Greenwood ($186) costs less than Lee’s Summit, and Grain Valley ($192) is priced the same. Blue Springs ($194), Oak Grove ($198), Independence ($215), Grandview ($218) and Kansas City ($226) all cost more.
Because the city extends into Cass County, prices there are worth a look. Cass County averages about $190 a month for full coverage, against $224 in Jackson County, and Raymore, about nine miles southwest, averages $190, Belton $194 and Peculiar $185. All five Lee’s Summit ZIP codes we price are assigned to Jackson County in our data, so this page uses Jackson County prices.
Between the two ends of the Lee’s Summit range, 64063 averages about $189 a month, 64081 $191 and 64086 $194. The $16 monthly gap between 64082 and 64064 shows up mostly in full coverage: liability-only coverage ranges from only $62 to $67 across the same ZIP codes, a $5 gap.
Some insurers barely change from town to town here. Shelter averages about $144 a month in Lee’s Summit and the same amount in Blue Springs, Raymore, Belton and Greenwood, then $160 in Grandview and $171 in Kansas City. GEICO moves more, at $202 in Lee’s Summit, $190 in Blue Springs and $188 in Greenwood.
Progressive averages $167 in Lee’s Summit, $160 in Belton and $184 in Grandview. American Family swings the most: $239 in Raymore, $254 in Lee’s Summit, $274 in Blue Springs and $306 in Grandview.
Liability-only coverage shows a similar spread by town. It averages about $65 a month in Lee’s Summit, $63 in Raymore and $66 in Blue Springs, but $76 in Grandview and $77 in Kansas City. South in Cass County, Harrisonville averages $183 a month for full coverage and Pleasant Hill $198, either side of Lee’s Summit’s $192.
How Lee’s Summit Car Insurance Compares With Other Missouri Cities
More Missouri cities and towns are in the Missouri rates by city table, and you can compare states on our car insurance rates by state page.
Blue Springs, about nine miles north, averages $194 a month, and Independence $215. Kansas City averages $226. Closer in, Raymore, about nine miles southwest, averages $190, Grain Valley, about 10 miles northeast, $192 and Belton, about 12 miles southwest, $194.
What Car Insurance Is Required in Lee’s Summit?
Drivers in Lee’s Summit follow Missouri’s rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
- Uninsured motorist coverage of $25,000 per person and $50,000 per crash
Our Missouri requirements guide covers the details and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Lee’s Summit
- Compare Shelter and Progressive first. They have the two lowest full-coverage averages among the five major insurers we compared in Lee’s Summit, about $144 and $167 a month.
- Quote several insurers. Among the five major insurers we compared in Lee’s Summit, the lowest and highest averages are about $110 a month apart for the same driver and car.
- Price a move before you sign. Your rate follows the address where you keep your car. For our benchmark driver, a move from Lee’s Summit to Greenwood would mean about $6 a month less ($186 compared with $192), while a move to Grandview would mean about $26 a month more ($218).
- Consider underinsured motorist coverage. Missouri requires uninsured motorist coverage, but underinsured coverage is optional, according to the Department of Commerce and Insurance. It pays when the driver who injures you has too little insurance.
- Compare at every renewal. Over the past nine months, American Family has cut its Lee’s Summit average 30.5%, Progressive 25.5% and Shelter 7.5%, while GEICO has raised its average 0.8%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Missouri, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Lee’s Summit Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 25 full-coverage premiums from five insurers across five Lee’s Summit ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/10 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Missouri’s minimum has been 25/50/25 since July 1, 2019, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Safeco isn’t in the November 2025 rates and State Farm isn’t in the August 2026 rates, so they’re left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Missouri rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Missouri law and the Missouri Department of Commerce and Insurance. We refresh these figures when new rate data is released.
Lee’s Summit Car Insurance FAQ
For our benchmark driver, full coverage in Lee’s Summit averages about $192 a month ($2,309 a year) and liability-only coverage at 25/50/10 limits about $65 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 5% below the Missouri average of $203 a month.
Shelter has the lowest full-coverage average in our Lee’s Summit rate data, at about $144 a month, followed by Progressive at $167. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average, at about $44 a month. Four of the six recent published statewide Missouri rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Lee’s Summit, for our benchmark driver. Lee’s Summit full coverage averages about $192 a month and Kansas City about $226, a difference of about $34 a month for the same driver and car.
In our data, 64082 has the lowest full-coverage average in Lee’s Summit, at about $186 a month, and 64064 the highest, at about $202. The ZIP code table on this page lists all five.
In our Lee’s Summit data, full coverage (100/300/100 with $500 deductibles) averages about $192 a month and liability-only coverage at 25/50/10 limits about $65, a difference of about $127 a month ($1,534 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Missouri law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (Safeco is new over the past nine months), their Lee’s Summit full-coverage average fell 18.9%, from about $2,835 to $2,299 a year. That’s lower than the Lee’s Summit average of $2,309 because it leaves out Safeco. American Family cut its Lee’s Summit average 30.5%, Progressive 25.5% and Shelter 7.5%, while GEICO raised its average 0.8%. Liability-only coverage at 25/50/10 limits fell 6.9%.
For our benchmark driver, full coverage in Lee’s Summit averages about $192 a month. Nearby, Blue Springs averages about $194, Independence about $215 and Kansas City about $226. Lee’s Summit is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
