Cheapest and Best Car Insurance Companies in Kansas City, KS

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.