Cheapest Car Insurance Quotes in Mission Hills

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Mission Hills Car Insurance

^$ 27

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Mission Hills

The car insurance rate in Mission Hills is $1021 for a six-month policy, which is $32 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $427, making it a popular choice for budget-conscious drivers. Rates in Mission Hills can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Mission Hills

$1021

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Mission Hills

1st place: American Family

At $427 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $449 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $715 for six months, making it the third cheapest auto insurance company in Mission Hills.

Mission Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mission Hills, KS is American Family, offering policies at just $427 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $449.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1861 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mission Hills drivers find the best deals.

Cheap Car Insurance Companies in Mission Hills, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$427	$71
Auto-Owners Insurance Co	$449	$77
USAA	$715	$120
Travelers	$731	$123
Shelter	$893	$150
Auto-Owners	$951	$162
State Farm	$1054	$178
Nationwide	$1101	$185
Farmers	$1152	$194
Progressive	$1176	$198
Encompass	$1221	$204
Allstate	$1550	$261
Farm Bureau	$1861	$310

Key Takeaways

Way's key takeaways about car insurance in Mission Hills

The auto insurance costs in Mission Hills fall around $427 for six months.
The cheapest auto insurance company in Mission Hills is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Mission Hills at $1089 per month.

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Cheapest Minimum Liability Car Insurance in Mission Hills

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Mission Hills are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Mission Hills. Their Average 6 Month Premium is $161. Encompass is the most expensive at $231 for the same period.

Cheapest Liability Coverage in Mission Hills, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$161	$27
USAA	$161	$27
Iowa Farm Bureau	$202	$34
Farmers Union Insurance	$213	$36
American Family	$225	$38
Travelers	$225	$38
Auto-Owners	$231	$39
Electric	$231	$39
Kansas Farm Bureau	$242	$41
State Farm	$271	$46
Progressive	$306	$51
Shelter	$311	$52
Farm Bureau	$392	$67
Farmers	$433	$73
Allstate	$565	$95
Nationwide	$686	$114
Encompass	$231	$39

Cheapest Full Coverage Car Insurance in Mission Hills

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Mission Hills is American Family at $71 per month and $427 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mission Hills, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$427	$71
Auto-Owners Insurance Co	$449	$77
USAA	$715	$120
Travelers	$731	$123
Shelter	$893	$150
Auto-Owners	$951	$162
State Farm	$1054	$178
Nationwide	$1101	$185
Farmers	$1152	$194
Progressive	$1176	$198
Encompass	$1221	$204
Allstate	$1550	$261
Farm Bureau	$1861	$310

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Average Car Insurance in Mission Hills by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Mission Hills, KS increasing?

Despite maintaining a clean driving record, your car insurance rates in Mission Hills, Kansas, may be increasing due to several external factors. Kansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Mission Hills's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Mission Hills

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Nationwide	$728
30s	Nationwide	$625
40s	Nationwide	$506
50s	Nationwide	$464
60s	Nationwide	$442
70s	Nationwide	$479

Cheapest Car Insurance Rates for Teen Drivers in Mission Hills,KS

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Mission Hills at $36 per month. At $6534 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$213	$36
Iowa Farm Bureau	$237	$40
Farmers Union Insurance	$247	$42
American Family	$271	$46
Kansas Farm Bureau	$317	$54
Travelers	$824	$139
USAA	$1400	$236
State Farm	$2287	$385
Shelter	$2546	$429
Progressive	$2639	$444
Farmers	$2777	$468
Farm Bureau	$3953	$659
Allstate	$4621	$778
Nationwide	$6534	$1089

Teen Car Insurance Rates in KS by Age

Way Tip

If you are in your twenties Nationwide is the best choice for car insurance in Mission Hills.

As young drivers face the highest rates in Mission Hills, Nationwide offers the cheapest auto insurance rates at $728 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Mission Hills, American Family is the cheapest car insurance provider. At $380 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Mission Hills is State Farm, offering rates of around $5911 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$380	$65
Iowa Farm Bureau	$386	$64
Farmers Union Insurance	$392	$67
Travelers	$911	$153
USAA	$1043	$178
Shelter	$1262	$212
Progressive	$1291	$217
Nationwide	$1446	$243
Farmers	$1538	$259
Allstate	$2685	$447
Farm Bureau	$3416	$581
State Farm	$5911	$986

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Save up to $971/yr on car insurance rates in Mission Hills.

Car Insurance Rates with An Accident in Mission Hills

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Mission Hills, KS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Mission Hills

The cheapest car insurance companies after an at-fault accident in Mission Hills include AutoOwners Insurance Co and American Family, offering $196 and $225, respectively. Encompass is an expensive provider with an average six-month premium of $317.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$196	$33
American Family	$225	$38
Electric	$276	$47
Iowa Farm Bureau	$311	$53
Farmers Union Insurance	$329	$54
Auto-Owners	$345	$59
Kansas Farm Bureau	$437	$73
USAA	$594	$100
Travelers	$599	$101
State Farm	$697	$117
Shelter	$986	$166
Progressive	$1262	$212
Farmers	$2097	$353
Allstate	$2334	$393
Farm Bureau	$2506	$418
Nationwide	$3204	$545
Encompass	$317	$54

Mission Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mission Hills KS. For example, the car insurance in Mission Hills after a DUI increases to $986 for a six month policy. While the rate increases by $219 for a six-month policy in the case of a speeding ticket.

Mission Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1129	$188
One Med/PIP claim	$1129	$192
Not-at-fault accident	$1158	$193
Two Med/PIP claims	$1210	$206
One comp claim	$1215	$203
Failure to show documents	$1250	$212
Two comp claims	$1262	$210
Failure to wear a seat belt	$1274	$216
Child safety restraint	$1308	$218
Driving with expired registration	$1308	$222
Driving without lights	$1308	$218
Speeding 6 - 10 MPH over limit	$1348	$229
Cell phone violation	$1366	$228
Driving too slowly	$1366	$232
Texting while driving	$1366	$228
Failure to yield	$1377	$234
Following too closely	$1377	$230
Illegal turn	$1377	$234
Wrong way/wrong lane	$1377	$230
In 65 MPH zone	$1383	$235
Speeding 11 - 15 MPH over limit	$1383	$231
Failure to stop at a red light	$1389	$236
Improper passing	$1389	$232
Speeding in school zone	$1389	$236
Speeding 16 - 20 MPH over limit	$1394	$233
Open container	$1406	$239
Operating a vehicle without permission	$1417	$237
Passing school bus	$1429	$243
Speeding 21 - 25 MPH over limit	$1429	$239
At-fault accident - less than $1000	$1446	$246
At-fault accident - $1000-$2000	$1596	$266
At-fault accident - greater than $2000	$1596	$272
Racing	$1763	$294
Reckless driving	$1913	$325
Driving with a suspended license	$2074	$345
Refusal to submit to a chemical test	$2097	$357
DUI	$2115	$352
Leaving scene of an accident/hit and run	$2201	$374

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Mission Hills after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Mission Hills.

The cheapest car insurance premiums in Mission Hills are offered by American Family at $259 for a six-month policy. However, it can be as expensive as $4402 with companies like Farm Bureau.

Mission Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$259	$44
Farmers Union Insurance	$380	$65
Travelers	$628	$106
Progressive	$807	$136
State Farm	$1025	$173
USAA	$1078	$181
Farmers	$1383	$233
Shelter	$1435	$242
Allstate	$1936	$326
Nationwide	$4373	$744
Farm Bureau	$4402	$733

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Mission Hills are offered by Iowa Farm Bureau at $253. However, it can be as expensive as $2628 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Mission Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$253	$43
American Family	$259	$44
Auto-Owners Insurance Co	$265	$45
Farmers Union Insurance	$282	$48
State Farm	$686	$115
Travelers	$697	$117
USAA	$709	$118
Progressive	$962	$162
Farmers	$1297	$218
Shelter	$1331	$226
Allstate	$1942	$324
Farm Bureau	$2334	$397
Nationwide	$2628	$437

Car Insurance Price Trends in Mission Hills, Kansas

Car insurance rates in Mission Hills have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Mission Hills rose by $211 in January compared to $179 of December. In other words, there has been an increase by $32 when you compare January and December.

The average cost of liability insurance in the Mission Hills rose to $49 in January, compared to $45 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Mission Hills?

The car insurance in Mission Hills is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Mission Hills?

The cheapest car insurance in Mission Hills is $71 per month for full coverage.

How much is car insurance in Mission Hills for teenagers?

Car insurance for teenagers costs $213 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Mission Hills?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $172 per month to insure your car in Mission Hills.

Is car insurance expensive in Mission Hills?

Car insurance can be expensive in Mission Hills if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Mission Hills can be affordable.

Cheapest Car Insurance Quotes in Mission Hills

Why you can trust Way?

How Much Is Car Insurance in Mission Hills

Avg. Car Insurance in Mission Hills

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Mission Hills

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Mission Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Mission Hills, KS

Way's key takeaways about car insurance in Mission Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mission Hills

Cheapest Liability Coverage in Mission Hills, KS

Cheapest Full Coverage Car Insurance in Mission Hills

Cheapest Full Coverage Car Insurance Quotes in Mission Hills, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mission Hills by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Mission Hills, KS increasing?

Car Insurance Premiums by Age in Mission Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mission Hills,KS

If you are in your twenties Nationwide is the best choice for car insurance in Mission Hills.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Mission Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Mission Hills

Mission Hills Car Insurance Rates by Violation

Mission Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mission Hills after a DUI

Mission Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mission Hills after Speeding ticket

Car Insurance Price Trends in Mission Hills, Kansas

Average Car Insurance Cost in Mission Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mission Hills, KS

Car Insurance Rates by State in the USA (2025 Update)

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