Cheapest and Best Car Insurance Companies in Kansas City, KS
Compare Rates and Save on Car Insurance
By, Content Director
In Kansas City, KS, Nationwide offers the least expensive rates for full and minimum coverage car insurance. It’s also the cheapest insurer for teen drivers on a family policy and those with a speeding ticket. Drivers with an at-fault accident or a DUI may find the most affordable car insurance rates with American Family.
If you’re looking for a balance of affordability and service quality, Auto-Owners Insurance is MoneyGeek’s winner for the best overall and best cheap car insurance in Kansas City, Kansas. Shelter is the best company for customer service.
Cheapest and Best Car Insurance in Kansas City, KS
Cheapest Minimum Liability Car Insurance in Kansas City
The most affordable car insurance providers in Kansas City, KS, for minimum coverage are:
- Nationwide: $246 per year
- State Farm: $340 per year
Dairyland offers the highest annual rates for the same coverage at $1,160. Nationwide is the cheapest auto insurance company in Kansas, with an average rate of $221 per year, making Kansas City slightly more expensive than the state's norm.
Kansas requires car insurance policies to cover bodily injury liability, property damage liability and uninsured motorists with these minimum limits:
- $25,000 per person in bodily injury liability per person
- $50,000 per accident in bodily injury liability per accident
- $25,000 per accident in property damage liability
- $25,000 per person in uninsured/underinsured motorist coverage
- $50,000 per accident in uninsured/underinsured motorist coverage
The state also requires the following minimum PIP (personal injury protection) coverage:
- $4,500 per person in medical costs
- $900 per month for one year in disability/income loss
- $25 per day for in-home services
- $2,000 per person in funeral, burial or cremation expenses
- $4,500 per person in rehabilitation expenses
A minimum coverage policy only pays for damages or injuries to the other driver in an accident. If you're at fault and have $25,000 in bodily injury liability per person and $50,000 per accident, those are your maximum coverage amounts. If a person's bills are more than $25,000 or a whole accident's bills are more than $50,000, you owe the rest out of pocket.
Cheapest Full Coverage Car Insurance in Kansas City
For full coverage, the cheapest car insurance companies in Kansas City, KS, are:
- Nationwide: $723 per year
- American Family: $866 per year
The most expensive full coverage policy is from Dairyland at $2,732 per year. Nationwide is also the cheapest full coverage car insurance company in Kansas at an average of $670 per year, slightly lower than the rate for Kansas City. This is because the Kansas City, KS, area is more expensive than most of the state.
Full coverage auto insurance includes comprehensive and collision insurance.
- Collision Insurance: Covers the cost of damages to your car after a collision with another vehicle or an object
- Comprehensive Insurance: Covers the cost of damages to your car after an incident like vandalism, bad weather or theft
Because full coverage provides more financial protection, it's best for those with newer vehicles who need to protect their investments. But if your car is older or has a low value, spending hundreds for extra coverage every year may not be worth it.
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Cheapest Car Insurance in Kansas City After a Driving Offense
These auto insurers in Kansas City, KS, offer the lowest rates for full coverage after the following driving offenses:
- Speeding ticket: Nationwide ($838 per year)
- At-fault accident: American Family ($866 per year)
- DUI: American Family ($1,035 per year)
The highest rates after a speeding ticket and an at-fault accident are from Dairyland at $3,354 and $3,777, respectively. GEICO costs the most after a DUI, running $3,574 per year. A poor driving record can impact your premiums, so even the cheapest insurers may charge more after an offense.
Auto insurance rates tend to increase with the severity of the driving infraction. For example, KCK drivers with a DUI spend around $512 more for car insurance than those with a ticket. You could potentially lower your rates by finding the most affordable car insurance providers for those with bad driving records.
Cheapest Car Insurance in Kansas City for Teens and Their Families
In Kansas City, KS, the cheapest auto insurance companies for 16-year-olds on a family policy are:
- Nationwide: $1,175 per year for female teens; $1,272 per year for male teens
- Travelers: $2,160 per year for female teens; $2,662 per year for male teens
Allstate offers the highest rate for female teens at $3,652 per year, whereas GEICO is the most expensive for male teens at $4,137 per year. Male teens tend to have higher rates because they're considered riskier to insure.
Adding a teen driver to a family policy is often a smart way to save on premiums compared to getting them an individual policy. In Kansas City, Kansas, this can save you roughly $2,444 per year. You should research the cheapest auto insurance for teens to avoid paying thousands more than necessary.
Cheapest Car Insurance in Kansas City for Military Drivers
For military families in Kansas City, KS, the most affordable car insurance providers for full coverage are:
- USAA: $640 per year
- Nationwide: $723 per year
If you want minimum coverage, USAA is also the cheapest auto insurance company for those with a military background at $244 per year. Nationwide is the second cheapest at $246 per year.
How to Compare Cheap Kansas City Car Insurance Quotes Online
It may be time-consuming to compare car insurance quotes online. Getting a quote from a single company may take up to 15 minutes and requires entering tons of personal details.
Our car insurance calculator can estimate your rates from different insurers based on just your age, vehicle, coverage level and driving record.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Kansas City: Summary
The best car insurance for you is based on how much you value affordability, service quality, coverage and other factors. Depending on your needs, the best companies in Kansas City, KS, are:
- Best overall: Auto-Owners Insurance (MoneyGeek score of 79 out of 100)
- Best for customer service: Shelter (MoneyGeek score of 68 out of 100)
- Best cheap: Auto-Owners Insurance (MoneyGeek score of 80 out of 100)
A company's scores may change to reflect how different factors were weighted.
Auto-Owners Insurance is the best car insurance company in Kansas. USAA is the best option for auto insurance for those with a military background, with a MoneyGeek score of 85 out of 100.
Best Overall Car Insurance in Kansas City
According to our analysis, the best overall car insurance companies in Kansas City are:
- Auto-Owners Insurance: MoneyGeek score of 79 out of 100 ($899 per year)
- American Family: MoneyGeek score of 78 out of 100 ($866 per year)
Among 10 insurers, Auto-Owners Insurance ranked highest for its combined affordability, customer satisfaction and claims management.
For those with a military background, USAA may be the best option, earning a MoneyGeek score of 85 out of 100. An average full coverage policy from this insurer costs $640 per year.
How was this MoneyGeek score calculated?
Cheaper full coverage than most insurers
Offers both rare and common coverages including diminished value coverage and gap insurance
Lacks original equipment manufacturer (OEM) coverage.
Auto-Owners Insurance scored highest out of 10 insurers because it combines affordability with excellent customer service and claims management. With an average annual premium of $899 for full coverage, it’s also the third-cheapest option in Kansas City, KS.
Regarding add-on coverage, Auto-Owners has one unique offering: diminished value coverage. This pays you the difference between what your car was worth before an accident and what it's worth after that accident.
Auto-Owners also has most essential coverages, including gap insurance and rental car and/or travel reimbursement. Gap insurance covers the difference between the value of your vehicle and the amount still owed on your lease or loan if your car is totaled. Rental car and/or travel reimbursement helps pay for a rental car or travel expenses if your vehicle isn’t drivable due to an accident.
Best Car Insurance in Kansas City for Customer Service
If we ignore cost, the best car insurance companies for customer service in KCK are:
- Shelter: MoneyGeek score of 68 out of 100 ($1,315 per year)
- Auto-Owners Insurance: MoneyGeek score of 66 out of 100 ($899 per year)
Although it has poor claims management ratings, Shelter ranked highest for customer satisfaction and coverage options. Its policies are more expensive than other insurers, so you're paying a high price for quality service.
How was this MoneyGeek score calculated?
Excellent customer satisfaction
Has most essential coverages like gap insurance
Worse-than-average claims management
Shelter is the best car insurance provider in Kansas City, KS, for customer service, according to J.D. Power studies and the National Association of Insurance Commissioners (NAIC) customer complaint index.
Although Shelter doesn’t offer unique optional coverages, it has most of the typical add-ons, including gap insurance. With this coverage, Shelter pays the difference between the value of your vehicle and the amount you still owe on it if your car is wrecked. Shelter also has new car replacement coverage included in your policy. This replaces your car with a brand new one of the same year if it was bought within the last year and has fewer than 15,000 miles on the odometer.
Best Cheap Car Insurance in Kansas City
Based on our analysis of affordability and service quality for policies meeting Kansas’ minimum coverage requirements, the best auto insurers in Kansas City are:
- Auto-Owners Insurance: MoneyGeek score of 80 out of 100 ($353 per year)
- Nationwide: MoneyGeek score of 77 out of 100 ($246 per year)
While minimum coverage policies have the cheapest premiums, they provide little protection against liability costs and no coverage for damages to your own car.
How was this MoneyGeek score calculated?
Affordable minimum coverage policy costs $353 per year
Various discounts like bundling, paperless and responsible payment discounts
Excellent customer service and claims management
No defensive driving discount
Auto-Owners Insurance ensures good value for its customers' money by having excellent customer service, claims management and affordable policies. At approximately $353 per year, it’s the third cheapest company in KCK.
This company offers plenty of discounts to make its policies even more affordable. These include discounts for bundling, insuring multiple cars, having a favorable loss history, enrolling in paperless billing or paying your annual premium in full. You may also save if you have safety features like airbags, anti-lock brakes and anti-theft systems.
Auto-Owners Insurance also offers savings if you've consistently paid your premiums on time for the last 36 months. But, this insurer doesn’t have a discount for completing a defensive driving course.
Average Cost of Car Insurance in Kansas City
The average cost of car insurance in Kansas City, Kansas, is $1,204 per year. This is $144 higher than the average cost of car insurance in Kansas and $61 cheaper than the national average (as of October 2022). These rates are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
While car insurance in Kansas is cheaper than the national average, areas like Kansas City may be more expensive than the rest of the state due to the cost of living. But location is only one of many factors impacting car insurance rates.
About Mark Fitzpatrick