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Cheapest and Best Car Insurance Companies in Kansas City, KS


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Updated: Sep 26, 2023
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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.

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2023

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.

Company
Annual Premium
Monthly Premium

Nationwide

$237

$20

Nationwide

$246

$21

Nationwide

$301

$25

State Farm

$321

$27

State Farm

$340

$28

Iowa Farm Bureau

$345

$29

Auto-Owners Insurance Co

$353

$29

Auto-Owners Insurance Co

$380

$32

State Farm

$413

$34

Iowa Farm Bureau

$414

$34

Progressive

$439

$37

GEICO

$450

$38

Auto-Owners Insurance Co

$462

$39

Progressive

$462

$39

Travelers

$467

$39

Iowa Farm Bureau

$491

$41

GEICO

$491

$41

Travelers

$493

$41

American Family

$498

$41

Farmers

$504

$42

American Family

$508

$42

Travelers

$518

$43

GEICO

$528

$44

Farmers Union Insurance

$535

$45

Progressive

$549

$46

Farmers Union Insurance

$558

$47

Shelter

$558

$47

Farmers

$560

$47

Farmers

$598

$50

American Family

$616

$51

Nationwide

$633

$53

Farmers Union Insurance

$652

$54

Shelter

$689

$57

Nationwide

$723

$60

American Family

$802

$67

Nationwide

$842

$70

Iowa Farm Bureau

$845

$70

Allstate

$847

$71

State Farm

$855

$71

Allstate

$856

$71

American Family

$866

$72

Auto-Owners Insurance Co

$875

$73

Auto-Owners Insurance Co

$899

$75

State Farm

$956

$80

Allstate

$958

$80

Travelers

$980

$82

Shelter

$1,030

$86

Travelers

$1,033

$86

Iowa Farm Bureau

$1,035

$86

American Family

$1,035

$86

Shelter

$1,071

$89

GEICO

$1,100

$92

Dairyland

$1,115

$93

GEICO

$1,151

$96

Dairyland

$1,160

$97

State Farm

$1,189

$99

Farmers

$1,190

$99

Travelers

$1,204

$100

Auto-Owners Insurance Co

$1,207

$101

Farmers

$1,213

$101

Iowa Farm Bureau

$1,242

$104

Progressive

$1,261

$105

GEICO

$1,277

$106

Shelter

$1,315

$110

Farmers Union Insurance

$1,337

$111

Progressive

$1,358

$113

Dairyland

$1,359

$113

Farmers

$1,414

$118

Farmers Union Insurance

$1,503

$125

Allstate

$1,572

$131

Allstate

$1,657

$138

Allstate

$1,676

$140

Progressive

$1,695

$141

Farmers Union Insurance

$1,750

$146

Shelter

$1,920

$160

Dairyland

$2,456

$205

Dairyland

$2,732

$228

Dairyland

$3,317

$276

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.

Company
Annual Premium
Monthly Premium

Nationwide

$237

$20

Nationwide

$246

$21

Nationwide

$301

$25

State Farm

$321

$27

State Farm

$340

$28

Iowa Farm Bureau

$345

$29

Auto-Owners Insurance Co

$353

$29

Auto-Owners Insurance Co

$380

$32

State Farm

$413

$34

Iowa Farm Bureau

$414

$34

Progressive

$439

$37

GEICO

$450

$38

Auto-Owners Insurance Co

$462

$39

Progressive

$462

$39

Travelers

$467

$39

Iowa Farm Bureau

$491

$41

GEICO

$491

$41

Travelers

$493

$41

American Family

$498

$41

Farmers

$504

$42

American Family

$508

$42

Travelers

$518

$43

GEICO

$528

$44

Farmers Union Insurance

$535

$45

Progressive

$549

$46

Farmers Union Insurance

$558

$47

Shelter

$558

$47

Farmers

$560

$47

Farmers

$598

$50

American Family

$616

$51

Nationwide

$633

$53

Farmers Union Insurance

$652

$54

Shelter

$689

$57

Nationwide

$723

$60

American Family

$802

$67

Nationwide

$842

$70

Iowa Farm Bureau

$845

$70

Allstate

$847

$71

State Farm

$855

$71

Allstate

$856

$71

American Family

$866

$72

Auto-Owners Insurance Co

$875

$73

Auto-Owners Insurance Co

$899

$75

State Farm

$956

$80

Allstate

$958

$80

Travelers

$980

$82

Shelter

$1,030

$86

Travelers

$1,033

$86

Iowa Farm Bureau

$1,035

$86

American Family

$1,035

$86

Shelter

$1,071

$89

GEICO

$1,100

$92

Dairyland

$1,115

$93

GEICO

$1,151

$96

Dairyland

$1,160

$97

State Farm

$1,189

$99

Farmers

$1,190

$99

Travelers

$1,204

$100

Auto-Owners Insurance Co

$1,207

$101

Farmers

$1,213

$101

Iowa Farm Bureau

$1,242

$104

Progressive

$1,261

$105

GEICO

$1,277

$106

Shelter

$1,315

$110

Farmers Union Insurance

$1,337

$111

Progressive

$1,358

$113

Dairyland

$1,359

$113

Farmers

$1,414

$118

Farmers Union Insurance

$1,503

$125

Allstate

$1,572

$131

Allstate

$1,657

$138

Allstate

$1,676

$140

Progressive

$1,695

$141

Farmers Union Insurance

$1,750

$146

Shelter

$1,920

$160

Dairyland

$2,456

$205

Dairyland

$2,732

$228

Dairyland

$3,317

$276

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.

Company
Annual Premium
Monthly Premium

Nationwide

$278

$23

Nationwide

$288

$24

Nationwide

$342

$29

Nationwide

$361

$30

State Farm

$365

$30

State Farm

$365

$30

Nationwide

$376

$31

State Farm

$387

$32

State Farm

$387

$32

State Farm

$401

$33

Auto-Owners Insurance Co

$420

$35

State Farm

$425

$35

Iowa Farm Bureau

$444

$37

Nationwide

$445

$37

Nationwide

$446

$37

Auto-Owners Insurance Co

$454

$38

Nationwide

$460

$38

State Farm

$470

$39

State Farm

$470

$39

American Family

$498

$41

American Family

$508

$42

Progressive

$509

$42

State Farm

$516

$43

GEICO

$526

$44

Nationwide

$530

$44

Iowa Farm Bureau

$533

$44

Iowa Farm Bureau

$536

$45

Progressive

$543

$45

Auto-Owners Insurance Co

$550

$46

GEICO

$572

$48

Auto-Owners Insurance Co

$578

$48

Progressive

$592

$49

American Family

$593

$49

American Family

$593

$49

Progressive

$594

$50

American Family

$601

$50

American Family

$601

$50

Travelers

$609

$51

American Family

$616

$51

GEICO

$616

$51

Farmers

$620

$52

Auto-Owners Insurance Co

$621

$52

Travelers

$633

$53

Iowa Farm Bureau

$634

$53

Travelers

$643

$54

Progressive

$643

$54

Iowa Farm Bureau

$644

$54

Travelers

$669

$56

Progressive

$680

$57

Travelers

$680

$57

Travelers

$707

$59

Farmers

$710

$59

Farmers

$714

$59

Travelers

$721

$60

American Family

$734

$61

American Family

$734

$61

Travelers

$736

$61

Farmers

$740

$62

Farmers Union Insurance

$740

$62

Nationwide

$748

$62

Auto-Owners Insurance Co

$760

$63

Iowa Farm Bureau

$765

$64

Farmers Union Insurance

$766

$64

Progressive

$768

$64

GEICO

$786

$66

Travelers

$790

$66

Farmers

$799

$67

American Family

$802

$67

Farmers

$806

$67

Shelter

$825

$69

Nationwide

$838

$70

Iowa Farm Bureau

$844

$70

Farmers

$848

$71

Farmers Union Insurance

$850

$71

Farmers Union Insurance

$855

$71

Progressive

$861

$72

Progressive

$864

$72

American Family

$866

$72

GEICO

$878

$73

Farmers Union Insurance

$879

$73

GEICO

$893

$74

Farmers

$904

$75

Farmers

$938

$78

Allstate

$940

$78

State Farm

$942

$78

State Farm

$942

$78

Allstate

$950

$79

Nationwide

$956

$80

American Family

$963

$80

American Family

$963

$80

Farmers Union Insurance

$966

$80

Nationwide

$973

$81

Farmers Union Insurance

$1,002

$83

State Farm

$1,013

$84

Iowa Farm Bureau

$1,016

$85

Shelter

$1,017

$85

American Family

$1,035

$86

American Family

$1,035

$86

American Family

$1,035

$86

Auto-Owners Insurance Co

$1,044

$87

State Farm

$1,049

$87

State Farm

$1,049

$87

Iowa Farm Bureau

$1,066

$89

Allstate

$1,070

$89

Auto-Owners Insurance Co

$1,072

$89

Nationwide

$1,089

$91

Auto-Owners Insurance Co

$1,108

$92

Allstate

$1,112

$93

Dairyland

$1,115

$93

Allstate

$1,122

$93

Farmers Union Insurance

$1,124

$94

State Farm

$1,125

$94

Allstate

$1,151

$96

Farmers Union Insurance

$1,158

$96

Dairyland

$1,160

$97

Allstate

$1,162

$97

Auto-Owners Insurance Co

$1,184

$99

Shelter

$1,186

$99

Iowa Farm Bureau

$1,206

$100

Nationwide

$1,207

$101

Nationwide

$1,242

$104

American Family

$1,247

$104

American Family

$1,247

$104

Iowa Farm Bureau

$1,258

$105

Allstate

$1,275

$106

GEICO

$1,283

$107

Shelter

$1,304

$109

Iowa Farm Bureau

$1,305

$109

State Farm

$1,310

$109

State Farm

$1,310

$109

Allstate

$1,321

$110

Nationwide

$1,323

$110

GEICO

$1,342

$112

Shelter

$1,343

$112

Auto-Owners Insurance Co

$1,345

$112

Shelter

$1,347

$112

Dairyland

$1,359

$113

Auto-Owners Insurance Co

$1,366

$114

State Farm

$1,408

$117

Travelers

$1,411

$118

Travelers

$1,426

$119

Auto-Owners Insurance Co

$1,436

$120

Shelter

$1,464

$122

Travelers

$1,467

$122

Auto-Owners Insurance Co

$1,470

$122

Dairyland

$1,475

$123

Nationwide

$1,476

$123

GEICO

$1,478

$123

GEICO

$1,490

$124

Travelers

$1,491

$124

Progressive

$1,493

$124

Progressive

$1,531

$128

Farmers

$1,537

$128

Iowa Farm Bureau

$1,541

$128

Travelers

$1,545

$129

Iowa Farm Bureau

$1,568

$131

Dairyland

$1,579

$132

Farmers

$1,590

$133

Dairyland

$1,602

$133

Travelers

$1,605

$134

Shelter

$1,609

$134

Travelers

$1,612

$134

Travelers

$1,636

$136

Shelter

$1,656

$138

Farmers

$1,657

$138

Dairyland

$1,670

$139

GEICO

$1,692

$141

GEICO

$1,728

$144

Farmers

$1,737

$145

Progressive

$1,739

$145

Farmers

$1,740

$145

Allstate

$1,757

$146

Travelers

$1,762

$147

Dairyland

$1,771

$148

Progressive

$1,803

$150

Progressive

$1,830

$152

Farmers

$1,838

$153

Allstate

$1,853

$154

Iowa Farm Bureau

$1,853

$154

Auto-Owners Insurance Co

$1,857

$155

Farmers

$1,862

$155

Dairyland

$1,885

$157

Allstate

$1,887

$157

Farmers Union Insurance

$1,896

$158

GEICO

$1,906

$159

Farmers

$1,923

$160

Shelter

$1,934

$161

Iowa Farm Bureau

$2,022

$168

Farmers Union Insurance

$2,046

$171

GEICO

$2,050

$171

Farmers

$2,061

$172

Progressive

$2,089

$174

Farmers Union Insurance

$2,093

$174

Allstate

$2,095

$175

Shelter

$2,124

$177

GEICO

$2,153

$179

Allstate

$2,157

$180

Shelter

$2,177

$181

Progressive

$2,188

$182

Allstate

$2,212

$184

Farmers Union Insurance

$2,245

$187

Allstate

$2,272

$189

Allstate

$2,273

$189

Shelter

$2,276

$190

Allstate

$2,334

$194

Farmers Union Insurance

$2,350

$196

Progressive

$2,357

$196

Auto-Owners Insurance Co

$2,359

$197

Auto-Owners Insurance Co

$2,361

$197

Dairyland

$2,456

$205

Iowa Farm Bureau

$2,479

$207

Shelter

$2,486

$207

Farmers Union Insurance

$2,547

$212

Farmers Union Insurance

$2,557

$213

Progressive

$2,567

$214

Farmers Union Insurance

$2,641

$220

Dairyland

$2,732

$228

Shelter

$2,802

$234

Farmers Union Insurance

$2,875

$240

Iowa Farm Bureau

$2,982

$249

Shelter

$3,061

$255

Auto-Owners Insurance Co

$3,276

$273

Dairyland

$3,317

$276

Dairyland

$3,354

$279

Dairyland

$3,373

$281

GEICO

$3,574

$298

Shelter

$3,689

$307

Dairyland

$3,772

$314

Dairyland

$3,777

$315

GEICO

$3,931

$328

Dairyland

$3,966

$331

Shelter

$4,028

$336

GEICO

$4,149

$346

Dairyland

$4,193

$349

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$793

$1,392

Nationwide

$802

$1,456

Nationwide

$841

$1,841

Nationwide

$851

$1,981

Nationwide

$900

$1,578

Nationwide

$906

$1,755

Nationwide

$923

$1,675

Nationwide

$931

$1,879

Nationwide

$931

$1,634

Nationwide

$961

$1,743

Travelers

$1,033

$1,858

Nationwide

$1,074

$3,191

Nationwide

$1,085

$2,787

GEICO

$1,097

$2,757

Travelers

$1,108

$1,937

Nationwide

$1,140

$2,495

Nationwide

$1,145

$3,260

Travelers

$1,155

$2,076

Nationwide

$1,158

$3,732

Travelers

$1,163

$2,285

Nationwide

$1,175

$3,705

Nationwide

$1,184

$2,756

Travelers

$1,192

$2,144

Nationwide

$1,206

$3,585

GEICO

$1,222

$3,071

Travelers

$1,258

$2,198

Nationwide

$1,272

$4,358

Travelers

$1,297

$2,577

Travelers

$1,303

$2,481

GEICO

$1,304

$3,277

Nationwide

$1,305

$4,208

State Farm

$1,335

$2,178

Travelers

$1,349

$2,358

Auto-Owners Insurance Co

$1,354

$3,930

GEICO

$1,383

$4,794

Auto-Owners Insurance Co

$1,402

$4,031

Farmers

$1,418

$2,459

GEICO

$1,458

$2,899

Auto-Owners Insurance Co

$1,463

$4,205

State Farm

$1,477

$2,409

Auto-Owners Insurance Co

$1,495

$4,339

Travelers

$1,498

$2,871

Auto-Owners Insurance Co

$1,505

$4,662

Farmers

$1,505

$2,710

Travelers

$1,524

$2,902

Travelers

$1,525

$3,327

Auto-Owners Insurance Co

$1,533

$4,407

State Farm

$1,538

$2,441

State Farm

$1,540

$2,863

Auto-Owners Insurance Co

$1,575

$5,269

State Farm

$1,594

$2,600

State Farm

$1,634

$3,083

Auto-Owners Insurance Co

$1,637

$4,752

Travelers

$1,692

$4,084

Auto-Owners Insurance Co

$1,697

$4,987

Auto-Owners Insurance Co

$1,734

$5,853

State Farm

$1,736

$2,755

Travelers

$1,757

$3,368

Travelers

$1,769

$3,929

State Farm

$1,830

$3,402

GEICO

$1,858

$3,694

Auto-Owners Insurance Co

$1,861

$5,470

State Farm

$1,864

$3,953

State Farm

$1,864

$3,518

Auto-Owners Insurance Co

$1,875

$6,078

State Farm

$1,903

$3,020

Auto-Owners Insurance Co

$1,978

$7,484

Auto-Owners Insurance Co

$1,982

$6,692

GEICO

$1,985

$3,947

State Farm

$2,022

$3,756

GEICO

$2,028

$5,592

Travelers

$2,033

$4,920

Travelers

$2,069

$4,994

Farmers

$2,086

$2,158

Farmers

$2,119

$2,193

Farmers

$2,129

$2,203

State Farm

$2,132

$4,506

Progressive

$2,141

$2,662

Farmers

$2,149

$2,341

Travelers

$2,160

$6,565

GEICO

$2,166

$4,919

Farmers

$2,181

$2,323

Allstate

$2,191

$2,496

Allstate

$2,207

$2,539

Farmers

$2,210

$2,354

Farmers

$2,240

$4,867

Farmers

$2,249

$2,396

Progressive

$2,254

$2,740

Farmers

$2,269

$2,593

Progressive

$2,289

$3,536

Farmers

$2,305

$7,347

Farmers

$2,329

$5,204

Progressive

$2,352

$2,924

State Farm

$2,364

$5,011

State Farm

$2,372

$4,407

Allstate

$2,382

$7,689

Allstate

$2,402

$3,587

Progressive

$2,405

$3,279

State Farm

$2,419

$5,113

Farmers

$2,425

$7,908

State Farm

$2,430

$5,791

Allstate

$2,438

$2,804

Progressive

$2,491

$3,097

Farmers

$2,496

$4,329

Progressive

$2,526

$3,071

Travelers

$2,534

$6,131

GEICO

$2,536

$6,059

Allstate

$2,558

$4,124

Allstate

$2,576

$3,402

Farmers

$2,594

$4,673

GEICO

$2,625

$6,987

GEICO

$2,632

$5,978

Allstate

$2,635

$3,001

Progressive

$2,653

$3,705

Travelers

$2,662

$8,271

Auto-Owners Insurance Co

$2,691

$8,008

Progressive

$2,694

$4,228

Allstate

$2,701

$3,106

State Farm

$2,719

$5,719

Allstate

$2,758

$3,693

Progressive

$2,784

$3,384

GEICO

$2,786

$8,624

GEICO

$2,797

$6,684

Farmers

$2,804

$10,413

Allstate

$2,808

$9,453

Allstate

$2,823

$4,215

Farmers

$2,839

$9,048

Allstate

$2,896

$5,174

Farmers

$2,961

$11,278

Allstate

$2,961

$3,372

Auto-Owners Insurance Co

$2,973

$8,847

Progressive

$2,978

$5,465

Farmers

$2,998

$9,777

Auto-Owners Insurance Co

$3,015

$10,068

Progressive

$3,048

$11,462

GEICO

$3,078

$9,319

Auto-Owners Insurance Co

$3,086

$10,387

State Farm

$3,096

$6,512

Progressive

$3,106

$4,797

State Farm

$3,110

$7,393

Allstate

$3,136

$5,865

GEICO

$3,152

$9,758

Allstate

$3,209

$10,358

Allstate

$3,212

$5,179

Progressive

$3,228

$11,763

GEICO

$3,271

$11,773

GEICO

$3,337

$12,604

Progressive

$3,422

$12,996

Progressive

$3,432

$6,365

Auto-Owners Insurance Co

$3,438

$12,720

Auto-Owners Insurance Co

$3,450

$11,612

Allstate

$3,478

$11,705

Progressive

$3,508

$13,194

Progressive

$3,547

$5,567

Progressive

$3,564

$13,019

Allstate

$3,652

$17,312

Allstate

$3,815

$17,366

Progressive

$3,841

$14,591

GEICO

$3,988

$14,355

GEICO

$4,137

$18,546

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.

Company
Annual Premium
Monthly Premium

Nationwide

$237

$20

USAA

$244

$20

Nationwide

$246

$21

USAA

$250

$21

USAA

$283

$24

Nationwide

$301

$25

State Farm

$321

$27

State Farm

$340

$28

Iowa Farm Bureau

$345

$29

Auto-Owners Insurance Co

$353

$29

Auto-Owners Insurance Co

$380

$32

State Farm

$413

$34

Iowa Farm Bureau

$414

$34

Progressive

$439

$37

GEICO

$450

$38

Auto-Owners Insurance Co

$462

$39

Progressive

$462

$39

Travelers

$467

$39

Iowa Farm Bureau

$491

$41

GEICO

$491

$41

Travelers

$493

$41

American Family

$498

$41

Farmers

$504

$42

American Family

$508

$42

Travelers

$518

$43

GEICO

$528

$44

Farmers Union Insurance

$535

$45

Progressive

$549

$46

Farmers Union Insurance

$558

$47

Shelter

$558

$47

Farmers

$560

$47

Farmers

$598

$50

USAA

$613

$51

American Family

$616

$51

Nationwide

$633

$53

USAA

$640

$53

Farmers Union Insurance

$652

$54

Shelter

$689

$57

Nationwide

$723

$60

USAA

$753

$63

American Family

$802

$67

Nationwide

$842

$70

Iowa Farm Bureau

$845

$70

Allstate

$847

$71

State Farm

$855

$71

Allstate

$856

$71

American Family

$866

$72

Auto-Owners Insurance Co

$875

$73

Auto-Owners Insurance Co

$899

$75

State Farm

$956

$80

Allstate

$958

$80

Travelers

$980

$82

Shelter

$1,030

$86

Travelers

$1,033

$86

Iowa Farm Bureau

$1,035

$86

American Family

$1,035

$86

Shelter

$1,071

$89

GEICO

$1,100

$92

Dairyland

$1,115

$93

GEICO

$1,151

$96

Dairyland

$1,160

$97

State Farm

$1,189

$99

Farmers

$1,190

$99

Travelers

$1,204

$100

Auto-Owners Insurance Co

$1,207

$101

Farmers

$1,213

$101

Iowa Farm Bureau

$1,242

$104

Progressive

$1,261

$105

GEICO

$1,277

$106

Shelter

$1,315

$110

Farmers Union Insurance

$1,337

$111

Progressive

$1,358

$113

Dairyland

$1,359

$113

Farmers

$1,414

$118

Farmers Union Insurance

$1,503

$125

Allstate

$1,572

$131

Allstate

$1,657

$138

Allstate

$1,676

$140

Progressive

$1,695

$141

Farmers Union Insurance

$1,750

$146

Shelter

$1,920

$160

Dairyland

$2,456

$205

Dairyland

$2,732

$228

Dairyland

$3,317

$276

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.

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USAA

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?

Auto-Owners and American National

pros

Cheaper full coverage than most insurers

Offers both rare and common coverages including diminished value coverage and gap insurance

cons

Lacks original equipment manufacturer (OEM) coverage.

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Auto-Owners and American National Auto Insurance Review

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?

Shelter

pros

Excellent customer satisfaction

Has most essential coverages like gap insurance

cons

Worse-than-average claims management

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Shelter Auto Insurance Review

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?

Auto-Owners and American National

pros

Affordable minimum coverage policy costs $353 per year

Various discounts like bundling, paperless and responsible payment discounts

Excellent customer service and claims management

cons

No defensive driving discount

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Auto-Owners and American National Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.