bestauto insuranceKansas City2022Compare the Cheapest Car Insurance Quotes in Kansas City, KS
The average car insurance rate in Kansas City is $1,051, higher than average policies across Kansas but cheaper than the national average. Nationwide has the cheapest car insurance rates in Kansas City, including for state minimum policies. MoneyGeek also identified the insurers in Kansas City that balance excellent customer service and affordable rates.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 12/4/2022
Edited By |
Stephanie Olsen
Written By |
Mark Fitzpatrick
Nationwide is the cheapest option for most drivers in Kansas City, but the best choice for you may vary depending on your background and needs.
Nationwide also has the most affordable state minimum policies, whereas American Family is the most affordable option for drivers with a speeding ticket.
For current members of the military, armed forces veterans and their families, USAA may be the cheapest option. MoneyGeek found that Nationwide is the best insurer for balancing affordability with excellent service.
bestauto insuranceKansas City2022The Cheapest and Best Car Insurance in Kansas City
Cheapest Overall - Nationwide
Cheapest State Minimum - Nationwide
Cheapest With a Driving Violation - American Family
Best Overall - Auto-Owners Insurance Co
The Cheapest Car Insurance Companies in Kansas City
The following companies have the most affordable full coverage auto insurance policies in Kansas City based on our study:
- Nationwide: $712 per year
- American Family: $824 per year
If you have a military background and qualify for it, USAA might be your best option, at an average cost of $650 per year.
Nationwide’s policies are over 100% cheaper than the most expensive insurer, Allstate, which costs an average of $1,426 per year. With a full coverage policy, you get comprehensive and collision coverage in addition to liability. Your rates may vary depending on the liability limits you choose and according to the insurer.
Cheapest Car Insurance in Kansas City
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$650
- 2.$712
- 3.$824
- 4.$899
- 5.$988
MoneyGeek's methodology involved evaluating average rates for a 40-year-old male driver with full coverage insurance in Kansas City.
A full coverage policy provides you with more protection but is generally more costly than state minimum insurance. Full coverage includes:
- Collision insurance: covers damages to your vehicle caused by collision with another vehicle or a stationary object
- Comprehensive insurance: covers non-collision damage to your car, such as hail, theft and vandalism
If you have an older model vehicle, full coverage car insurance may cost more than your car is worth. In that case, you may be better off with a liability-only or state minimum insurance policy.
Compare Car Insurance Rates in Kansas City
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Kansas City for Minimum Coverage
Minimum coverage is the most budget-friendly car insurance in Kansas City. The cheapest insurers in Kansas City for a state minimum policy are:
- Nationwide: $374 per year
- State Farm: $402 per year
With policies that cost $278 on average, USAA is the most affordable option in Kansas City for those with military backgrounds who qualify for it.
Minimum coverage is the most affordable car insurance option but doesn’t include comprehensive or collision coverage and has low liability limits. You risk not being fully covered after an accident with such a policy. Check the below table to see how liability coverage levels affect rates.
Cheapest Minimum Liability Car Insurance in Kansas City
State Minimum
- CompanyState Minimumper year
- 1.$278
- 2.$374
- 3.$402
- 4.$412
- 5.$463
A minimum car insurance policy in Kansas must include 25/50/25 coverage in addition to uninsured/underinsured motorist coverage and personal injury protection. A state minimum auto policy is the cheapest insurance available in Kansas City. However, you risk having to pay damages out of pocket after a collision.
For example, if you are responsible for $90,000 in total bodily injury expenses for multiple people after a collision, your policy would pay up to a maximum of $50,000 total, leaving you responsible for paying the remaining $40,000 out of pocket.
Kansas Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
- Personal Injury Protection$4,500 per person for medical expenses. $900 a month for up to a year of disability or loss of income coverage. $25 a day for in-home services. $4,500 for rehabilitation-related expenses. $2,000 for funeral, burial or cremation expenses
- OtherSurvivors benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services
Cheapest Car Insurance in Kansas City if You Have Driving Violations
Driving offenses, such as DUIs and speeding tickets, lead to higher insurance rates. Kansas City’s most affordable auto insurance providers for drivers with prior violations are:
- Cheapest after a ticket: American Family, $824 per year
- Cheapest after an at-fault accident: State Farm, $1,050 per year
- Cheapest after a DUI: American Family, $824 per year
For drivers with a military background and speeding tickets or at-fault accidents on their records, USAA offers the cheapest policy in the city. If you have a poor driving history, you can improve it over time to lower your insurance expenses after some time. In the meantime, it’s a good idea to shop around for auto insurance to see which company offers the best rates.
Cheapest Car Insurance in Kansas City With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$788
- 2.$824
- 3.$863
- 4.$975
- 5.$1,248
Average Cost of Car Insurance in Kansas City
Kansas City$1,051
Kansas$931
U.S.$1,424
Drivers in Kansas City pay an average of $1,051 annually for car insurance, which is more expensive than Kansas averages but cheaper than the average cost of insurance nationally. Kansas City drivers pay 12.9% more than the state average of $931 but 26.2% lower than the national average of $1,424.
Personalized Quotes to Get You the Cheapest Car Insurance in Kansas City
Your personalized car insurance quote is calculated based on several factors. These include your age, home ZIP code and your driving record. Comparing quotes from at least three insurers will alert you to discounts and help you determine which provider offers the best policy for you.
Compare Car Insurance Rates in Kansas City
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Kansas City
MoneyGeek rated the best auto insurance providers in Kansas City based on user satisfaction scores, average quotes and claims ratings. MoneyGeek’s top picks in Kansas City are:
- State Farm: MoneyGeek score of 84 out of 100
- Nationwide: MoneyGeek score of 80 out of 100
USAA received a perfect MoneyGeek score of 100, making it the best car insurance company in Kansas. However, because its policies are only available to military personnel, we excluded USAA from this analysis.
1
State Farm
Score:84
State Farm received above-average scores in claims, customer satisfaction and affordability. A full coverage policy from this insurer for a 40-year-old costs roughly $899 per year. State Farm policyholders can choose rideshare insurance as an add-on, which is not always offered by car insurance companies.
More About State Farm
If you work for a ridesharing company like Lyft, you may be interested in State Farm’s rideshare insurance option. With this add-on coverage, drivers can get rental car reimbursement, emergency roadside assistance and support for medical costs. State Farm also provides common optional coverages, including rental car and travel reimbursement, which covers car rental and dining costs after you’re held responsible for an accident. Another option is roadside assistance, which covers services like towing, mechanical labor and delivery of oil.
Read MoneyGeek's State Farm auto Insurance Review2
Nationwide
Score:80
Nationwide earned average scores in satisfaction and claims and performed slightly better in terms of affordability. A Nationwide full coverage policy costs an average of $712 per year. With Nationwide, you can add a unique coverage to protect against identity theft.
More About Nationwide
Nationwide offers seven add-on coverages for its policyholders, two of which are rarely offered by other insurance companies: identity theft coverage and total loss deductible waiver. The former covers you if your identity is stolen or fraudulently used. Total loss pays your comprehensive or collision deductible when your car is considered a total loss following an accident. Nationwide also provides more common add-ons, such as roadside assistance, accident forgiveness, gap insurance, deductible modification and more.
Read MoneyGeek's Nationwide auto Insurance ReviewAverage Cost of Car Insurance by Postal Code
Where you live is one of the factors that can significantly affect your auto insurance quotes. Insurers use your ZIP code to determine several risk factors. The frequency of traffic accidents, reports of auto thefts and density of traffic are some of these factors.
Our data shows that there is not much difference in the insurance rates for Kansas City drivers living in different areas. For instance, an individual residing in the 66104 ZIP code pays $1,055 per year on average for their auto insurance, just $8 more than someone in the 66102 area.
- Zip CodeState Minimumper year
- 66102$1,047
- 66104$1,055
Factors That Impact Insurance Costs in Kansas City
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Kansas City. How Kansas City ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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