Kansas City, Kansas is the third largest city in the Kansas City metropolitan area after Kansas City, Missouri and Overland Park, Kansas. It has always served as a transit center, connected east and west and north and south and today remains a central hub for land shipping. Today Kansas City is part of a metropolitan area of more than two million people and is consistently ranks as one of the premier destinations for budget travelers in country, offering some of the friendliest people and cheapest accommodations to be found anywhere in the United States. Like other Midwestern cities, Kansas City transportation is almost exclusively driven by private vehicles, so anyone spending time there will probably need to drive.
Kansas City is not only the third largest city in the state, but it also has the third highest rate of automobile accidents. In 2008, there were 3,859 traffic accidents in Kansas City resulting in thirteen fatalities and 1,452 injuries. Almost a quarter of these accidents, 913 of them, were speed related. Oddly enough, considering that Kansas City is all urban or suburban, 111 of these accidents were actually related to deer, primarily deer trying to cross the road. As the third largest hotspot for traffic accidents in Kansas, residents tend to pay higher auto insurance premiums than people living in other communities. Nevertheless, as noted previously, a car is essential for living in Kansas City.
Unlike many other states, Kansas does not offer a state run alternative insurance scheme, so all drivers have to have private insurance. You can pay less if you are considered a “Preferred” driver or someone with few risk factors and deemed unlikely to be involved with an accident or to file an insurance claim. However, just by the fact that you are living in Kansas City, the odds are the best rating you will be able to get is that of a “Standard” driver. These are average, moderate-risk drivers that pay more than a “Preferred” driver, but less than a “Non-Standard” one.
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