Fairway, Kansas Auto Insurance (Companies + Rates)
The best Fairway, Kansas auto insurance companies are USAA and American Family. Fairway, KS auto insurance laws will impact what you pay for car insurance, and you can call a local Fairway auto insurance agent to learn more. But if you're looking for cheap car insurance, avoid the insurance office and compare Fairway auto insurance quotes online for free so you know exactly what you should be paying for your coverage. Enter your ZIP code below to start comparing now.
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UPDATED: Oct 30, 2020
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|Fairway Kansas Statistics Summary||Details||From Experts|
|Average Cost of Auto Insurance in the City||$3,598.74 Annually||Quadrant Information Services|
|City Density||100% Urban|
|Population||3,947 as of 2017||City Data|
|Road Conditions||In the Kansas City area road conditions are:|
Poor Share - 26%
Mediocre Share - 27%
Fair Share - 17%
Good Share - 30%
|Trip Net Urban Roads Report
|Cheapest Car Insurance Company||USAA (Not available to all drivers) and American Family||Quadrant Information Systems|
Fairway, Kansas is a small suburb just outside of Kansas City. While there is limited public transport in Kansas City, the vast majority of Fairway residents get to where they need to go by using personal vehicles. This means that if you live in Fairway, you will most likely need auto insurance.
How much is Fairway, Kansas auto insurance? We will cover that plus more in our guide. Get started.
If you’d like to start comparison shopping for Fairway, Kansas auto insurance right now, just enter your ZIP code into our free quote tool and we’ll show you the best rates available in your area.
Fairway, KS Auto Insurance Agents
If you’re looking for insurance agents to help, here’s a list:
Haas & Wilkerson
4300 Shawnee Mission Pkwy, Fairway, KS 66205
4818 Johnson Dr, Roeland Park, KS 66205
WilliamsGaughan Insurance Agency
4818 Johnson Dr, Roeland Park, KS 66205
4120 W 54th St, Roeland Park, KS 66205
Schifman, Remley & Associates
5201 Johnson Dr, Mission, KS 66205
5421 Johnson Dr, Mission, KS 66205
Signature Personal Insurance
5402 Birch St, Mission, KS 66205
4980 Roe Blvd Ste B, Roeland Park, KS 66205
6045 Martway St Ste 111, Mission, KS 66202
6104 Johnson Dr, Mission, KS 66202
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Auto Insurance Rates in Fairway, Kansas
Most of the time, finding the best car insurance company means hours of internet searches and long phone calls. Sometimes all of that research leaves you feeling just as confused as you were when you started.
We want to make things easier for you. In this guide, we’ll analyze all the information related to car insurance in Fairway, Kansas to give you a better idea of the options available to you.
We’ll tell you about the factors that influence how much you pay for car insurance, such as age, gender, and ZIP code. You’ll also learn which car insurance companies are the best in Fairway, and which have the most affordable rates.
We’ve already done all the hard work for you.
Keep reading to learn all you need to know about purchasing your car insurance policy in Fairway.
Does gender and age affect my auto insurance in Fairway?
The age of the average resident in Kansas is 37.1 years old. However, the average resident of Fairway is 38.7 years old, which is just slightly above the national average of 38.2 years old. The male to female ratio in Fairway is nearly even — roughly 49 percent of Fairway residents are male, while 51 percent are female.
So, how do these statistics affect your auto insurance prices?
For the most part, gender does not affect auto insurance premiums in the city of Fairway, even though Kansas is not one of the states that have passed legislation prohibiting insurance companies from considering gender when determining insurance premiums. On average, women in this city pay $3,164.01 for auto insurance each year, while their male counterparts pay $3,344.54.
The table below shows average auto insurance rates for people of different ages and genders in Fairway, plus nearby Overland Park and Kansas City for reference.
|Age, Gender, and Marital Status||Fairway, KS||Kansas City, KS||Overland Park, KS|
|Married 35-Year-Old Female||$2,001.97||$2,494.00||$1,980.69|
|Married 35-Year-Old Male||$1,993.69||$2,490.59||$1,972.76|
|Married 60-Year-Old Female||$1,849.50||$2,291.97||$1,829.13|
|Married 60-Year-Old Male||$1,894.97||$2,352.38||$1,874.48|
|Single 17-Year-Old Female||$6,559.59||$7,985.91||$6,459.75|
|Single 17-Year-Old Male||$7,894.82||$9,609.24||$7,765.69|
|Single 25-Year-Old Female||$2,244.98||$2,779.71||$2,216.33|
|Single 25-Year-Old Male||$2,316.80||$2,880.76||$2,290.49|
|Average Annual Rates||$3,344.54||$4,110.57||$3,298.67|
Age can play a role in your insurance rates, especially if you’re a younger driver. Younger drivers pay higher insurance prices because they’re less experienced behind the wheel. They’re also considered more likely to drive recklessly or file claims.
And when it comes to insurance rates for younger drivers, gender does play a small role.
Men younger than 20 pay an average of 14 percent more per year for auto insurance than women in the same age bracket. Between the ages of 20 and 24, male drivers pay eight percent more than their female counterparts.
Keep reading to learn about the other factors that impact how much you pay for auto insurance.
What ZIP codes have the cheapest auto insurance rates in Fairway?
Quite often, your ZIP code can affect your car insurance rates. You can move from one neighborhood to another and find yourself paying more for your car insurance. This may be because of high auto theft or accident rates in the area.
While some cities span several ZIP codes, Fairway is not one of them. The only ZIP code applicable to the small city of 3,947 residents is 66205. Take a look at the table below to see how Fairway’s average annual auto insurance rate of $3,598.74 compares to other cities in Kansas.
This table shows the 25 Kansas ZIP codes with the most expensive auto insurance rates.
|City||ZIP Code||Average Annual Rates|
Who has the cheapest auto insurance in Kansas? Take a look at the table below shows the 25 ZIP codes with the cheapest auto insurance rates.
|City||ZIP Code||Average Annual Rates|
As far as how Fairway fits into the state average, the city ranks as the 15th most expensive out of all the ZIP codes in Kansas, which puts it on the upper end. There are over 500 cities in the state with cheaper rates than Fairway. The average annual auto insurance rate for Fairway’s ZIP code is $3,598.74.
Keep reading to learn more about auto insurance companies and policies available to you in Fairway.
Which companies have the best auto insurance rates in Fairway?
Trying to figure out which auto insurance company in your area would be the best for you can seem like a daunting task, and who wants to spend hours searching for auto insurance quotes online? Finding lower auto insurance rates shouldn’t be that hard.
Well, now it isn’t. We’ve compiled all of the information you need to know about the auto insurance companies serving the Fairway area. We’ve also analyzed this data to help you make the best decision about which company will suit your insurance needs.
Keep reading to learn all you need to know before choosing your auto insurance provider.
Cheapest Auto Insurance Rates by Company
If getting cheap car insurance is your main concern, you might want to look at some of the average car insurance rates for companies in your area. The table below shows insurance rates for the major car insurance companies available in Fairway based on varying demographic information.
|Companies||Average Single 17-Year-Old Female Rates||Average Single 17-Year-Old Male Rates||Average Single 25-Year-Old Female Rates||Average Single 25-Year-Old Male Rates||Average Married 35-Year-Old Female Rates||Average Married 35-Year-Old Male Rates||Average Married 60-Year-Old Female Rates||Average Married 60-Year-Old Male Rates||Average Annual Rates|
However, price is not the only thing you should consider when searching for car insurance. Also, keep in mind that the prices in the table are only general guidelines and may not reflect the actual price you will pay for car insurance.
Depending on your circumstances, you may also qualify for certain discounts. Always check with your insurance provider to find out what discounts might be available to you.
There are several factors beyond those we’ve already discussed that will determine how much you pay for your car insurance policy, such as your driving record, the length of your commute, and your chosen coverage levels.
Keep reading to learn all you need to know about how these factors affect your auto insurance rates.
Best Auto Insurance for Commute Rates
Does your commute time affect your auto insurance rates? The short answer is yes.
Car insurance companies base your rates on how risky you are to insure. If you have a long commute, you’re behind the wheel longer than the average person, which means there’s a greater risk that you’ll get into an accident and have to file a claim.
The table below shows auto insurance rates for companies in Fairway based on commute times.
|Companies||10 miles commute, 6,000 annual mileage||25 miles commute, 12,000 annual mileage||Average|
As you can see, some insurance companies will charge you a higher rate for a longer commute, while others will not. Notice, though, that the companies that don’t charge more based on this factor are the ones that already have relatively high rates. Still, this is something to think about as you comparison shop.
Best Auto Insurance for Coverage Level Rates
As a general rule, the more coverage you carry, the more you will pay for your auto insurance policy. If you shop around, though, you should be able to find a good deal.
You can use the table below to get an estimate of what each of the major companies offering coverage in Fairway charges for different levels of coverage.
|Companies||High-Level Coverage Rates||Medium-Level Coverage Rates||Low-Level Coverage Rates||Average Rates|
Always be sure to check with your insurance company to see if you qualify for any discounts, as well, as this may help determine what level of coverage you can afford.
Best Auto Insurance for Credit History Rates
It may come as a shock to some drivers that car insurance companies take your credit rating into account when determining your policy pricing. The reason for this goes back to risk. Car insurance companies believe that people with higher credit scores are less likely to engage in risky behavior and therefore less likely to get into an accident. A person with a good credit score is also more likely to pay their insurance bills on time.
Check out the table below to get an idea of how your credit rating may affect your car insurance rates.
|Companies||Rates with Fair Credit||Rates with Good Credit||Rates with Poor Credit||Average Rates|
Your credit score is not the only thing you’ll want to keep an eye on when looking to save money on car insurance. Your driving record can also affect your insurance rates.
Best Auto Insurance for Driving Record Rates
In the city of Fairway, safe driving can save you a lot of money on auto insurance. On the other hand, just one ticket or DUI offense can leave you paying expensive rates for years to come.
The table below will give you some insight into how certain driving violations can affect your policy pricing.
|Companies||Rates with Clean Record||Rates with With 1 Accident||Rates with With 1 DUI||Rates with 1 speeding violation||Average Rates|
As you can see, keeping your driving record clean can save you hundreds of dollars a year on car insurance, as well as help you avoid citations, fines, and possible license suspensions.
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What affects Auto insurance rates in Fairway?
So, how are auto insurance premiums calculated? As we’ve been discussing, there are a lot of factors that go into determining your auto insurance rates. One of the first things a auto insurance company will ask you for is your ZIP code. Where you live will determine such factors as commute times and auto theft rates, which, once again, relate to your overall risk profile.
Whether you’re looking for cheap auto insurance or just shopping around for quotes, it’s important to know how your city’s unique characteristics might affect how much you end up paying to insure your vehicle.
Let’s take a closer look at Fairway and some of the unique characteristics that might affect your driving experience and how much you’ll pay for your auto insurance policy.
Fairway Metro Report
The Brookings Metro Monitor keeps track of the overall growth and metro reports of major United States cities based on criteria such as growth, job markets, and general prosperity. Their findings on the Greater Kansas City region, which includes the suburb of Fairway, feature many positive attributes, such as a diverse vehicle manufacturing and financial services sector and a predictable and reliable economy that consistently attracts new businesses and talent.
The Greater Kansas City Region also ranks highly when it comes to key drivers that promote growth and productivity.
The Kansas City area scored an 84 out of 100 on the Brookings prosperity index and 78 out of 100 on their growth index. Niche rates Fairway as the second-best city to live in within the state of Kansas, pointing out its low crime rate, highly rated school system, and rural feel in an urban setting.
Keep reading to learn more about the economic factors in the Fairway area that can affect how much you pay for car insurance.
Median Household Income in Fairway
Fairway’s economy supports a little over 2,000 workers, most of them in the healthcare and social assistance field. Female residents of Fairway make around $43,397 a year, while their male counterparts make about 1.4 times that amount.
The average household income in the city of Fairway is $103,050. Considering that the average auto insurance rate for residents of Fairway is $3,597.74, the average Fairway household spends about 3.4 percent of their income on auto insurance.
With low crime rates in the area and a high rate of homeownership, residents of Fairway should be eligible for some fairly low auto insurance rates, and possibly some discounts as well.
Homeownership in Fairway
Believe it or not, there is a large difference in price with most auto insurance companies if you own your home as opposed to renting. This difference, when combined with other factors, could lead to significant savings for homeowners.
According to a study done by The Consumer Federation of America, homeowners can pay up to 47 percent less annually for their car insurance policies than those who do not own a home.
Based on a sampling of insurance quotes across the country for a 30-year old safe driver, CFA found that premiums averaged seven percent higher — about $112 per year — for drivers who rent instead of own their homes.
In Fairway, 87 percent of residents own their homes, while 13 percent do not. The average property value in Fairway is $338,400.
Education in Fairway
There are over 20 centers of higher learning in the Kansas City area. From universities to community colleges, the area offers a wide variety of options.
The table below shows some of the schools in the Fairway area and provides valuable information about each.
|Name of Institute||Type of School||Acceptance Rate||Average Tuition (Before Aid)||Graduation Rate||Location|
|University of Missouri-Kansas City: Volker Campus||Public · 4-year||64%||$24,116||56%||Kansas City, MO|
|Donnelly College||Private, non-profit · 2-year||100%||$25,880||10.9%||Kansas City, KS|
|Kansas City Kansas Community College||Public · 2-year||100%||$20,522||12.6%||Kansas City, KS|
|Park University||Private, non-profit · 4-year||69%||$24,499||27%||Parkville, MO|
|MidAmerica Nazarene University||Private, non-profit · 4-year||66%||$46,412||70%||Olathe, KS|
|Rockhurst University||Private, non-profit · 4-year||72%||$53,031||71%||Kansas City, MO
|University of Saint Mary||Private, non-profit · 4-year||49%||$41,870||40%||Leavenworth, KS
|Ottawa University - Overland Park||Private, non-profit · 4-year||43%||$12,083||42.8%||Overland Park, KS
|National American University Overland Park||Private, for-profit · 2-year||100%||$15,000||9.5%||Overland Park, KS
|Cleveland University-Kansas City||Private, non-profit · 4-year||80%||$36,246||46%||Overland Park, KS
|Kansas City Art Institute||Private, non-profit · 4-year||67%||$55,050||67%||Kansas City, MO
|Johnson County Community College||Public · 2-year||100%||$23,590||25.8%||Overland Park, KS
|Grantham University||Private, for-profit · 2-year||100%||$14,180||20.2%||Lenexa, KS
|Midwestern Baptist Theological Seminary||Private, non-profit · 4-year||95%||$20,256||16%||Kansas City, MO
|William Jewell College||Private, non-profit · 4-year||48%||$48,998||61%||Liberty, MO
|Avila University||Private, non-profit · 4-year||39%||$31,598||68%||Kansas City, MO
|Kansas Christian College||Private, non-profit · 2-year||100%||$17,590||40%||Overland Park, KS
|Research College of Nursing||Private, for-profit · 4-year||100%||$27,770||95%||Kansas City, MO
|Calvary University||Private, non-profit · 4-year||74%||$18,712||46%||Kansas City, MO
|Metropolitan Community College - Maple Woods||Public · 2-year||100%||$19,671||21.1%||Kansas City, MO
|Concorde Career College - Kansas City||Private, for-profit · 2-year||85.4%||$27,450||84.8%||Kansas City, MO
|Saint Luke's College of Health Sciences||Private, non-profit · 4-year||100%||$16,542||100%||Kansas City, MO
|MTTI-WellSpring Center for Natural Health & Wellness||Private, for-profit · 2-year||100%||$15,000||100%||Kansas City, MO
|Pinnacle Career Institute||Private, for-profit · 2-year||100%||$19,000||75.6%||Kansas City, MO
|City Vision University||Private, non-profit · 4-year||100%||$11,000||50%||Kansas City, MO
It may come as a surprise to you that your education level actually affects your auto insurance rates. In general, those with a higher education pay less for their car insurance. While there are some states that do not allow companies to use education levels to determine auto insurance rates, Kansas is not one of them.
Keep reading to learn more about Fairway and the factors that affect your auto insurance rates.
Wage by Race and Ethnicity for Common Jobs in Fairway
While Fairway does have offer residents opportunities to work close to home, the vast majority of its workers commute outside of the city. The most common sectors in which residents work are Health Care and Social Assistance; Professional, Scientific, and Technical Services; and Retail Trade.
As far as racial makeup goes, 96.5 percent of Fairway’s residents are white. Just over one percent of the city’s residents are Hispanic or Latinx and there are small percentages of residents who are of mixed race or of Asian descent. That’s not to say that all workers in the city fit these demographics, as many people from other cities commute to Fairway for work.
In the state of Kansas, the highest-paid demographic group is Asian workers. Asians working in Kansas make an average of $49,738 a year, while white workers (the second-highest-paid demographic) make an average of $46,915.
Wage by Gender for Common Jobs in Fairway
Unfortunately, gender does play a role in the average wage of Kansas workers. In the city of Fairway, Kansas, the difference in wages for men and women is a fairly large one. Men in Kansas make about 1.4 times more than their female counterparts.
The table below shows the average annual incomes for male and female residents in the five main sectors for Fairway workers.
|Employment Sector||Male Residents - Average Annual Income||Female Residents - Average Annual Income|
|Miscellaneous managers||$100, 872||$68,561|
|Elementary and middle school teachers||$48,214||$44,329|
|Driver/sales workers and truck drivers||$45,954||$34,424|
|Secretaries and administrative assistants||$44,065||$34,114|
Male workers in Fairway make an average of $60,808 a year, while female workers make an average of $43,397 a year. Since women in the city make less money, that means that women in Fairway pay a higher percentage of income per year for car insurance.
Poverty by Age and Gender in Fairway
Only a very small percentage of the residents of Fairway, Kansas, fall below the poverty line. Just over 2 percent of Fairway residents have been determined to live in poverty status, much lower than the national average poverty rate of 13.1 percent.
According to the United States Census Bureau, if a family’s total income is less than the family’s threshold, then that family and every individual in it is considered to be living in poverty.
Of the small percentage of Fairway, Kansas residents who are considered to be in poverty, males between the ages of 45 and 54 make up the majority of this group followed by males between the ages of 18 and 24.
Poverty by Race and Ethnicity in Fairway
The United States Census Bureau uses a system of poverty thresholds
Considering that 96.5 percent of the residents of Fairway, Kansas, are white, it should come as no surprise that white residents also make up the majority of the small percentage of the Fairway population considered to be living under the poverty line.
Employment by Occupations in Fairway
Fairway is a predominantly white-collar city, with 92.5 percent of its residents employed in white-collar jobs, well above the national average. Twenty-two percent of Fairway residents work in management positions, 15.5 percent work in business and financial jobs, and 11.3 percent work in healthcare jobs
According to Neighborhood Scout, Fairway is home to a large community of “urban sophisticates.” These are people who are not only wealthy and professionally employed, but who are also highly educated, as well.
Now that you’ve learned all you need to know about the unique factors of life in Fairway, Kansas, you can feel more prepared to understand how these factors affect the price of your car insurance.
Keep reading to learn more about driving in Fairway, Kansas, and other factors that can affect how much you pay for your next auto insurance policy.
Driving in Fairway
If you’re the type of person who gets nervous driving in the big city, there is no need to worry. With a population of just under 4,000 residents, driving through Fairway, Kansas isn’t exactly what you’d consider urban driving. Fairway is a suburb of Kansas City, so the closer you get to the main part of the city, the more likely you are to encounter city traffic.
While there are major highways that lead into the city, most of the roadways in Fairway, Kansas are city streets, and most speed limits in the city do not exceed 55 mph. If you’re worried about avoiding traffic in the city, this isn’t generally a problem in Fairway as there is very little traffic congestion in this city.
Keep scrolling to read more about driving in Fairway, Kansas, and how this information can help to save you money on your auto insurance policy.
What are major roads in Fairway?
It’s always good to be familiar with the roads where you live, whether you’ve lived there your whole life or are new to the area.
Keep reading to learn more about what major roads run through Fairway and things to do in the area.
Major Highways in Fairway
Fairway, Kansas is a suburb of Kansas City and has limited access to major interstates in the area.
State Route 169 runs almost directly through the center of Fairway, connecting it with the neighboring cities of Merriam, Shawnee, and Mission Woods.
This same route can be taken to access Interstate 35 which, depending on which direction you go, will take you into Kansas City or on to Overland Park and Olathe.
Keep scrolling to learn about some of the best things to do in the Fairway, Kansas area.
Popular Road Trips/Sites
Likes most cities, Fairway, Kansas has its share of tourist attractions and local hot spots. Whether you’re new to the area or a lifelong resident, it’s well worth your time to visit some of these places. Some of the most popular places to visit in and near Fairway, Kansas are listed below.
- Sauer Castle National Historic Landmark — Whether you’re a history buff or you just like a good ghost story, this is the place for you. Sauer Castle is a 19th-century mansion located in Kansas City, Kansas, that is rumored by the locals to be haunted.
- The National Museum of Toys and Miniatures — Bring out your inner child by visiting this tourist attraction located in Kansas City, MO. This museum has lots to see including a huge collection of dolls, dollhouses, antique sewing machines, and other fun historical artifacts.
- The Boulevard Drive-In Theatre — Ready for a bit of nostalgia? Visit this drive-in movie theater in Kansas City. This little bit of history is one of the only remaining drive-in theatres left in the country.
- The Nelson-Atkins Museum of Art — If you are a lover of art, this is the place for you. This museum offers a wide variety of different genres of art and the best part is that admission is completely free.
- Kansas City Fun Tours — What better way to tour the city than to ride around in a trolley with a guide who knows the city like the back of their hand? They also offer haunted history and holiday light tours.
Road Conditions in Fairway
So, what’s it like to drive in Fairway?
Well, that depends on a number of factors, including weather conditions, road conditions, and traffic congestion, among others. You can look at the table below to see how Fairway compares to other cities in the Midwest when it comes to road conditions. Remember, Fairway is a suburb of Kansas City.
Poor road conditions can put a lot of wear and tear on your car, as you can see by the higher vehicle operating costs in the cities with larger percentages of poor roads.
Keep reading to learn all you need to know about driving safely in Fairway, and how obeying safety laws can help you save money on your car insurance.
Does Fairway use speeding or red-light cameras?
Speeding and red-light cameras are used to enforce traffic laws automatically, sending tickets to drivers captured going over the speed limit or running red lights. They’re controversial tools and some states have prohibited them.
According to Speeding Ticket Advisor:
A traffic enforcement camera is a camera which may be mounted beside or over a road or installed in an enforcement vehicle to detect traffic regulation violations, including speeding, vehicles going through a red traffic light, unauthorized use of a bus lane, or for recording vehicles inside a congestion charge area. It may be linked to an automated ticketing system.
Kansas does not use red-light or speeding cameras to issue citations to drivers. However, law enforcement does enforce these laws, and if you’re convicted of speeding or running a red light, you can be fined up to $75 plus court costs.
What type of vehicles are in Fairway?
Wondering what types of cars you might find in Fairway?
There are a variety of different cars on the market and an even wider variety of consumers. Each driver has their own idea of the perfect set of wheels, be it an environmentally friendly electric car or a rugged all-terrain pickup.
Keep reading to learn more about car ownership in Fairway.
Most Popular Vehicles Owned
The roads of Fairway host a variety of different types of vehicles. According to Your Mechanic, 58 percent of cars in this area are American-made models.
Some of the most popular used cars purchased in the Kansas City area include the Chevy Colorado, the Chevy Silverado, and the Buick Enclave. The Chevy Cavalier is also a popular choice among the city’s residents.
The most popular owned car model in the Greater Kansas City region, though, is the Ford F-150. This makes sense, as this vehicle is suitable for both urban and rural areas. It also gets fairly good gas mileage for a pickup truck, with all the practicality and versatility that drivers choose trucks for in the first place.
How many cars per household
The average number of cars per household in Fairway is two, which is on par with the national average. The next most common number of cars per household is one.
Public transportation is fairly limited in Fairway, so most residents rely on their vehicles to get them to and from work and everywhere else they need to go.
Households Without a Car
The vast majority of households in the Fairway area own at least one car; there’s only a negligible percentage of residents who do not own a vehicle at all.
The limited public transportation in the area and the relatively high average annual income of Fairway residents are two of the main reasons that the vast majority of drivers in Fairway own at least one personal vehicle.
Speed Traps in Fairway
Fairway is not known for dangerous highways or a lot of automobile accidents, and you’ll rarely encounter a speed trap in this suburban city. Most speed limits in Fairway do not exceed 55 MPH. However, Kansas City and nearby Olathe make it on the list of top 10 cities for speed traps in Kansas.
|Rank||# of Speed Traps||City||AR|
In reference to the last row of the table above, AR refers to Acknowledgement Rate. According to The National Motorists’ Association, acknowledgement Rate = the number of “Yes, this is a speed trap” votes for the city over the defined period of time divided by the total number of “Yes” plus “No” votes
Keep reading to learn more about driving in Fairway and how you can save money on your auto insurance policy.
Vehicle Theft in Fairway
It should come as good news that the city of Fairway has a low crime rate. So low, in fact, that it doesn’t make any red flag lists when it comes to crime rates in the state.
The table below shows the 25 Kansas cites with the highest crime rates. Violent crimes are extremely rare in Fairway. The most common crimes in the city involve some type of theft, from larceny to motor vehicle theft.
|City||Population||Violent Crime||Murder and Non-negligent Manslaughter||Rape||Robbery||Aggravated Assault||Property Crime||Burglary||Larceny - Theft||Motor-Vehicle Theft||Arson||Total Crimes|
You’ll be happy to know that, as a general insurance rule, the lower the auto theft rates are in your area, the lower your auto insurance rates will be as well.
How is traffic in Fairway?
It’s always good to know about traffic patterns in the area where you live and/or work. Whether you’re new to the Fairway area or have lived there your whole life, it’s important to know what to expect when driving down the local roads.
Keep reading to learn more about some of the different factors that affect your driving experience in Fairway, such as traffic congestion, transportation, and road safety.
Traffic Congestion in Fairway
The more cars that are on the road, the more chances you have of being involved in an automobile accident. A lot of cars on the road also means more time sitting in traffic.
According to INRIX, American commuters lose 97 hours a year to traffic congestion at the cost of $87 billion.
While the causes of traffic jams vary, there are things you can do to avoid them. One way to avoid being caught in a traffic jam is to stay off the road during peak hours whenever possible.
On weekdays, for example, driving during the rush hours of 7-9 a.m. and 4-6 p.m. should be avoided if at all possible to minimize traffic congestion.
Avoiding driving during hours of heavy congestion not only saves you money in gas, but also reduces your risk of being involved in an automobile accident. This will help keep your auto insurance rates low.
In the city of Fairway, there is not a whole lot of traffic congestion. However, residents who commute to the surrounding cities of Kansas City or Olathe may encounter heavier traffic during their commutes, especially since most would be driving during rush hour.
You can visit the TomTom Traffic Index to find historical traffic data for cities in Kansas.
A total of 87.6 percent of Fairway residents use their personal vehicles as their primary means to get to work, while 3.6 percent of the city’s residents carpool. Another 5.72 percent of Fairway residents work from home. This means that more people work from home in Fairway than carpool to work, which is unusual.
The average commute time for Fairway residents is 21.2 minutes, which is well under the national average of 25.1 minutes, while 2.72 percent of Fairway workers have commutes that exceed 90 minutes, sometimes referred to as “super commutes.”
While it may seem impractical to drive over an hour and a half to get to work, the majority of those who do say it’s worth it. Sometimes the pay is better than they’re able to get in their local area, and sometimes it’s about the love of a job that is worth the drive.
Either way, commute times do affect your car insurance premiums. Keep reading to learn more about what other factors affect your driving experience and insurance rates in Fairway.
Interstate 35 is the only major roadway in the Fairway area and it doesn’t run directly through the city. It connects to Fairway by the second busiest roadway in the area, State Route 169.
As mentioned earlier, knowing the rush hour times to avoid traffic jams and peak driving hours can save you a lot of time on the road as well as gas expenses from sitting in long lines of traffic. Safe driving on these highways can also save you a lot of money on your auto insurance policy.
How safe are Fairway streets and roads?
Statistics show that most drivers will be involved in a collision approximately once every 10 years. Ninety-four percent of these collisions are the result of human error.
So how safe is driving in your area? This is important to know since, as a general rule, safer driving conditions lead to cheaper insurance rates.
The table below shows the five-year trend for automobile crash fatalities for the top 10 counties in Kansas. As you can see, Johnson County where Fairway is located is second on the list, while Kansas City’s Wyandotte County comes in at number three.
|Counties||# of Fatalities - 2014||# of Fatalities - 2015||# of Fatalities - 2016||# of Fatalities - 2017||# of Fatalities - 2018|
|Top Ten Counties||166||154||211||209||195|
|All Other Counties||219||201||218||252||209|
Keep reading to learn more about road safety in Fairway.
Allstate America’s Best Drivers Report
On Allstate’s America’s Best Drivers Report for 2019, Kansas City ranked fourth in the nation for road safety. Olathe and Overland Park also made the list, at sixth and eighth respectively.
Accidents do happen, and you can’t always know what another driver is going to do, but there are some things that you can do to lower your chances of being seriously injured in a car accident. Always wear your seat belt, obey speed limits, and avoid distractions such as texting or eating while driving.
Doing these things can not only save your life, but they can also save you money on car insurance.
These days more and more people are using their personal vehicles to make money through the sharing economy. According to Forbes, nearly 25 percent of the U.S. population participates in some form of economic sharing.
The sharing economy companies include ridesharing services such as Lyft, Uber, and Sidecar and delivery services such as Door Dash, Uber Eats, Roadie, and Favor.
How does ridesharing affect the price of your auto insurance?
At the present time, most personal car insurance policies do not cover losses that occur while participating in the sharing economy. In fact, most companies rule it out explicitly.
While some sharing companies offer insurance to entrepreneurs that cover liability in the event someone is injured or property is damaged during a transaction, most companies require sharing entrepreneurs to have a commercial policy to cover their property and liability.
As in most states, there are some regulations that apply to ridesharing drivers in the state of Kansas. For example, drivers for Lyft are required to take a full six-hour break for every 12 hours they are in “driver mode.”
In April of 2015, the Kansas Legislature passed a bill that would have placed severe restrictions on the state’s ridesharing industry, but it was vetoed by Governor Sam Brownback, who said it would damage the potential benefits ridesharing offers to local families and businesses.
Laws are always changing, and as the sharing economy expands, we’re sure to see new laws passed to address issues that arise. Keep reading to learn more about driving and auto insurance in Fairway.
E-Star® Repair Shops
The E-Star® Direct Repair Program was created to help drivers find the best repair shops in their area. This program gives drivers access to more than 1,400 reputable repair shops and also includes RepairView, a program that drivers can use to monitor the progress of repairs being made to their vehicles online.
There are 12 E-Star® repair shops in the Fairway area. We’ve listed them below, along with their locations and contact information.
|Name of Shop||Location||Phone Number||Distance from Fairway|
|Gerber Kansas City, Main St.||4200 Main St. |
Kansas City, MO 64111
|[email protected]||(816) 531-6868||3 miles|
|Gerber Kansas City, Wornall Rd.||8200 Wornall Rd.|
Kansas City, KS 64114
|[email protected]||(816) 444-7602||4 miles|
|Bob Allen Ford||9239 Metcalf Ave.|
Overland Park, KS 66212
|[email protected]||(913) 381-3000||5 miles|
|Carstar Crystal Lenexa||13750 West 108th St.|
Lenexa, KS 66215
|crystalcars[email protected]||(913) 696-0003||9 miles|
|Carstar of Raytown||8906 E. 96th St.|
Raytown, MO 64133
|[email protected]||(816) 356-5552||9 miles|
|Gerber Kansas City, Vivion Rd.||2250 NW Vivion Rd.|
Kansas City, MO 64150
|[email protected]||(816) 741-6966||10 miles|
|Cable-Dahmer Buick GMC Cadillac||3107 S. Noland Rd.||[email protected]||(816) 252-9800||12 miles|
|Good Times Auto Body Inc.||9906 NW 45 Hwy|
Parkville, MO 64152
|[email protected]||(816) 741-4727||13 miles|
|Carstar Metcalf||7235 W. 162nd St.|
Stilwell, KS 66085
|[email protected]||(913) 685-2886||14 miles|
|Carstar of Lee's Summit||2509 N.E. Independence|
Lee's Summit, MO 64064
|[email protected]||(816) 524-3330||16 miles|
|Carstar Blue Springs||3210 West 40 Highway|
Blue Springs, MO 64015
|[email protected]||(816) 220-1100||18 miles|
|Carstar Wicklund Collision Repair||941 Sutton Pl.|
Liberty, MO 64068
|[email protected]||(816) 781-2838||18 miles|
How does the program work?
Once you file an insurance claim, your claims representative will help you find a nearby E-Star® shop and set up a time for inspection. Repairs made to your vehicle through this program are guaranteed for as long as you own your car.
What is the weather like in Fairway?
Sometimes the weather affects your ability to drive. Heavy rain, snow, fog, or ice can all severely impact your safety on the road. Most accidents in Kansas occur during daylight hours on fair weather days, but that’s not to say that days with less than desirable weather don’t also cause some issues.
While human error does account for the majority of car accidents, certain conditions such as bad weather and lighting can also make a car accident more likely.
Being prepared for weather conditions in your area helps you to be a better driver. Since Kansas winters can bring quite a bit of snow, remember to check your tires for optimization in the snow to avoid traction issues. Make sure to check your windshield wipers routinely to avoid issues during rainstorms.
It’s also recommended that you keep a few items with you in your vehicle at all times, such as jumper cables, a jack, a spare tire, blankets in cold weather, flares, a flashlight, and any other materials you might need in case your car breaks down or you get a flat tire. Being prepared for an emergency is crucial.
Another way to prepare yourself for a weather-related accident or a breakdown is to carry the appropriate auto insurance policy. Limited liability will not cover the costs to your vehicle if you damage it because of bad weather, so you might consider upgrading to a policy with more coverage.
If you’re concerned about being stranded due to a broken-down vehicle, you should consider adding roadside assistance to your policy. This add-on can help you by paying all or part of the towing charges to get your vehicle home or to the shop for repairs.
Is public transit available in Fairway?
Kansas City is the only major city in Kansas that provides any type of public transportation system that is not limited to taxi services or rideshares companies. This means that residents of Fairway don’t really have access to public transit — unless they commute out of Fairway to Kansas City for work.
As we mentioned earlier, the vast majority of households in Fairway own at least one vehicle, so this lack of transportation is not really an issue for the city’s residents. A mere .29 percent of Fairway residents used public transit to get to work in 2017, and for the 5.72 percent of Fairway residents who work from home, transportation to work is not an issue at all.
Is other Alternate Transportation available in Fairway?
Considering the lack of local public transportation and the fact that the average Fairway household owns two cars, it shouldn’t come as a surprise, however, that the locals generally use their personal vehicles to get around the city.
Is parking easy in Fairway?
Finding a parking spot is usually not a problem in this city of just under 4,000 residents. While some businesses in the area do experience peak hours of operation, parking spaces are generally readily available.
For one thing, Fairway is a mostly suburban area consisting of smaller roads that don’t see a lot of traffic. The surrounding cities of Kansas City and Olathe see a significantly higher number of vehicles on the road and accordingly experience more issues with parking shortages in some areas.
How is the air quality in Fairway?
If you like the outdoors, the air quality in Fairway may be of some concern to you. As you probably know, the number of cars on the road has a direct effect on air quality.
According to the United States Environmental Protection Agency (EPA), Kansas City had only one day in 2019 in which the air quality was potentially unhealthy for sensitive groups. There were 210 days where the air quality was good and 154 days where it was categorized as moderate.
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Military and Veterans Auto Insurance Rates in Fairway
The city of Fairway boasts a pretty diverse group of military veterans in the city. Many of them served during the Vietnam, Korean, and Gulf Wars. The largest portion of these veterans served in the Vietnam War, roughly twice as many as any other conflict.
There are also a few military installations near Fairway. These include Fort Leavenworth, Fort Riley, and McConnell Air Force Base.
Many car insurance companies, such as USAA car insurance and Geico insurance, offer discounts to veterans and military personnel, so it’s always best to check with your insurance provider to find out which discounts are available to you.
The table below shows some of the major auto insurance companies in Kansas and the discounts you may qualify for. In many cases, veteran car insurance discounts can save you a lot of money.
|Discounts||21st Century Discounts Offered||AAA Discounts Offered||Allstate Discounts Offered||American Family Discounts Offered||Ameriprise Discounts Offered||Amica Discounts Offered||Country Financial Discounts Offered||Esurance Discounts Offered||Farmers Discounts Offered||Geico Discounts Offered||Liberty Mutual Discounts Offered||MetLife Discounts Offered||Nationwide Discounts Offered||Progressive Discounts Offered|
|Adaptive Cruise Control||✘||✘||✘||✘||✘||✘||✘||✘||✘||✘||✓||✓||✓||✓|
|Daytime Running Lights||✓||✓||✓||✓||✓||✘||✓||✓||✓||✓||✓||✓||✓||✓|
|Electronic Stability Control||✘||✘||✓||✓||✘||✓||✓||✘||✓||✘||✓||✓||✓||✓|
|Forward Collision Warning||✘||✘||✘||✘||✘||✓||✓||✘||✘||✘||✓||✓||✓||✓|
|Lane Departure Warning||✘||✘||✘||✘||✘||✘||✘||✘||✘||✘||✓||✓||✓||✓|
|New Customer/New Plan||✘||✘||✘||✘||✘||✘||✘||✘||✘||✘||✓||✓||✘||✘|
|On Time Payments||✘||✘||✓||✘||✘||✘||✘||✘||✘||✘||✘||✘||✘||✘|
|Seat Belt Use||✘||✘||✘||✘||✘||✘||✘||✘||✘||✓||✘||✘||✘||✘|
|Students & Alumni||✘||✘||✘||✓||✘||✘||✘||✓||✘||✓||✓||✓||✓||✘|
Despite the opportunities in the area for a life in the military, this job sector is not as large in Fairway as it is in other parts of the country.
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Fairway Auto Insurance FAQs
In this section, we answer some of the most commonly asked questions about car insurance policies in Fairway. Some of the answers may have been covered in part or in full in the guide above.
#1 – How does adding drivers to my auto insurance policy affect my rates?
Adding another driver to your auto insurance policy likely means that your car will be spending more time on the road. That alone is enough to raise your rates, but adding someone else to your auto insurance policy also means that your rates will be affected by that driver’s perceived risk.
For example, adding a teenager to your policy can raise your auto insurance rates drastically, since teenage drivers are inexperienced and car insurance companies see them as high-risk.
There are restrictions as to who you can add to your auto insurance policy. Most companies will only allow you to add people that are living in your household. Always check with your car insurance provider to see who you can add to make sure that whoever is driving your vehicle is covered on the policy.
#2 – How does where I live in Kansas affect how much I pay for auto insurance?
Where you live, and more specifically, where your car is normally parked, affects your insurance rates for a number of reasons. Auto insurance companies use a variety of factors to determine your rates based on how likely you are to file a claim.
People who live in bigger cities are considered more at risk of being involved in an automobile accident or being the victim of auto theft or vandalism. EMS and police response times and efficiency, local road and traffic conditions, quality of local medical services, and litigation rates in the area are other factors auto insurance companies use to determine rates.
#3 – Why would my provider cancel my auto insurance policy?
Your auto insurance provider may cancel your policy if you do any of the following:
- Fail to pay your auto insurance premium
- Get your driver’s license suspended or revoked
- Lie during the application process
Your auto insurance company can also choose not to renew your policy if they determine you to be a high-risk driver.
#4 – If I just moved to Fairway, Kansas, will I need to change my insurance policy?
Where you live and park your vehicle does have an impact on how much you will pay for your car insurance, so you must update your address with your insurance provider if you move or are planning to move so that your rates can be adjusted. Failure to do so can result in your insurance company rejecting your claim if you need to file one.
What type of automobile insurance is required in Kansas? If you just moved to Fairway from another state, your policy will need to be adjusted to make sure that you’re policy meets the legal Kansas auto insurance requirements. You’ll also need to register your vehicle in the state. In Kansas, you have 90 days to register your vehicle after moving to avoid any late fees or penalties.
#5 – What if I need SR-22 insurance in Fairway?
If you’ve had more than your fair share of traffic citations, automobile accidents, and/or car insurance claims, you may be considered a high-risk driver. Normally, high-risk drivers are required to purchase SR-22 insurance, which is not available through all companies, so it may take some looking around to find coverage.
In the state of Kansas, SR-22 insurance must be carried continually for a 12-month period. A one day lapse will result in the 12-month period restarting. This rule applies whether or not the person owns a motor vehicle. Failure to maintain SR-22 insurance will result in license suspension and reinstatement fees.
The filing fee to get SR-22 insurance is only $15-$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is definitely not pocket change. Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.
Now that you know all you need to know about driving in Fairway, you’re ready to take the next step in becoming a safe and legal driver by finding the right auto insurance provider for you.
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