Cheapest and Best Car Insurance in Kansas City, KS (July 2024)

In Kansas City, Kansas, Auto-Owners offers the cheapest minimum coverage car insurance. It is also the best overall in terms of price and service, addressing diverse preferences and coverage needs. American Family has the most affordable full coverage policy. Nationwide is the most cost-effective option for families with teens.

MoneyGeek found that Auto-Owners is the cheapest car insurance option in Kansas City for minimum coverage car insurance.

• Auto-Owners: $418 per year
• Travelers: $480 per year

Dairyland offers the most expensive minimum coverage policy in Kansas City, costing an average of $1,451 per year. The difference of $1,033 between the cheapest and most costly options underscores the importance of comparing rates to save on car insurance costs.

For all cities in Kansas, state law mandates the minimums for car insurance coverage:

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $4,500 personal injury protection (PIP) per person

If you have minimum coverage and are at fault in an accident, the policy pays up to $25,000 for an individual's bodily injuries. However, if their expenses exceed this figure, the additional costs would come out of your pocket.

MoneyGeek found that American Family offers the cheapest full coverage car insurance in Kansas City. These are the top two providers:

• American Family: $910 per year
• Auto-Owners: $1,025 per year

Dairyland has the most expensive full coverage policy in Kansas City at $3,227 per year — $2,317 more than American Family’s premium. This large gap in pricing highlights the need to shop around for car insurance, as full coverage policies usually cost more due to the comprehensive protection they offer.

Full coverage policies include two key components: comprehensive coverage and collision coverage.

• Collision Coverage: This safeguards your automobile against damages incurred during impacts with another vehicle or stationary objects like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Coverage: This steps in to handle repair costs for damage to your car from non-collision related incidents, including theft, extreme weather conditions, fires, vandalism or being struck by an animal.

Selecting full coverage car insurance is advised for new vehicles to protect your substantial investment. On the other hand, opting for this level of coverage for older vehicles might not be cost-effective due to the increased premium expenses. In determining how much car insurance you need, weigh the higher costs associated with extensive coverage against the risks of being underinsured.

MoneyGeek found that the cheapest company for drivers with a poor driving record depends on the type of infraction.

• Speeding Ticket: American Family ($1,091 per year)
• At-Fault Accident: American Family ($910 per year)
• DUI: Auto-Owners ($1,091 per year)

Dairyland has the most expensive rates for drivers with a speeding ticket and an at-fault accident, at $4,044 and $4,548 per year, respectively. GEICO is the most costly for those with a DUI, costing $4,717 per year. These rate differences show how infractions can significantly influence car insurance rates.

In Kansas City and other locales, insurance premiums escalate with the severity of a driving infraction because insurers view more serious offenses as indicative of higher risk. For instance, drivers with a speeding ticket face an average annual insurance rate of $2,710, while those with a DUI face significantly higher rates at around $3,583 per year. This contrast underscores the importance for individuals with driving offenses to diligently compare insurance rates, as finding the most competitive premiums can lead to substantial savings.

MoneyGeek found that Nationwide offers the cheapest car insurance for teens in Kansas City.

• Nationwide: $1,175 per year for female teens and $1,272 per year for male teens
• Travelers: $2,160 per year for female teens and $2,662 per year for male teens

These rates are for a policy that covers two parents and a teenage driver. Allstate has the most expensive policy for female teens in Kansas City at $3,652 per year. The substantial rate difference of $2,477 between the cheapest and most costly options highlights why consumers should compare prices, especially when adding a higher-risk teen driver to their policy.

In Kansas City, the difference in car insurance premiums for teens is striking. Teens purchasing individual policies face an average annual premium of $6,309, significantly higher than the average of $3,120 per year if added to a family plan. Insurers justify these rates due to the higher risks associated with insuring inexperienced, young drivers who statistically are more likely to be involved in accidents. The steep costs and elevated risk factors make it challenging for teens to secure individual policies, showcasing the benefits of a joint family insurance plan for affordability and insurability.

MoneyGeek found that USAA offers the cheapest car insurance for military backgrounds in Kansas City. These two providers offer the lowest annual premiums:

• USAA: $778 per year
• American Family: $910 per year

USAA tailors its services to meet the needs of active duty military members. This makes it a compelling choice for those with military connections seeking both affordability and military-focused service support.

In Kansas City, comparison shopping is key to finding the most cost-effective car insurance. However, evaluating at least three companies can take over an hour.

MoneyGeek's car insurance calculator streamlines this process. Users receive tailored rate estimates by inputting essential details such as age, driving record, credit score and coverage preferences.

Finding the best auto insurance hinges on your priorities, including service, cost and coverage. MoneyGeek's scoring applied distinct metrics for each category and found that Auto-Owners is the top insurer for various needs.

• Best overall: Auto-Owners (Score: 82 out of 100)
• Best for service: Auto-Owners (Score: 78 out of 100)
• Best cheap: Auto-Owners (Score: 88 out of 100)

Auto-Owners secures the top rank in all three categories and is Kansas City's leading option for overall value, exemplary service and affordability. Customers keen on the finest balance between cost and service quality will find unrivaled value in this provider.

MoneyGeek found that Auto-Owners is the leading provider provider, offering the best car insurance in Kansas City.

• Auto-Owners: MoneyGeek score of 82 out of 100 ($1,025 per year)
• American Family: MoneyGeek score of 81 out of 100 ($910 per year)

Auto-Owners distinguishes itself with a strong combination of high customer satisfaction and claims ratings that contribute significantly to its MoneyGeek score. Its scores indicate its effectiveness in catering to clients' full coverage policy needs. As the top-rated insurer, Auto-owners offers a well-rounded package bolstered by these key factors.

MoneyGeek found that Auto-Owners is the top car insurance provider in Kansas City in terms of customer service. This thorough assessment considers overall satisfaction, efficiency in claims handling and the breadth of coverages offered by the insurer, regardless of rates.

• Auto-Owners: MoneyGeek score of 78 out of 100 ($1,025 per year)
• American Family: MoneyGeek score of 75 out of 100 ($910 per year)

Auto-Owners is the leading car insurance provider in Kansas City based on its unparalleled claims handling and high stability in the industry. These factors contribute significantly to its strong MoneyGeek score. This company demonstrates an excellent balance of customer service quality and comprehensive insurance offerings, ensuring peace of mind for its policyholders.

MoneyGeek found that Auto-Owners is the best option in Kansas City for those seeking affordable car insurance without sacrificing quality service. This provider tops the list for cheap car insurance and balances cost efficiency with customer satisfaction and claims handling.

• Auto-Owners: MoneyGeek score of 88 out of 100 ($418 per year)
• American Family: MoneyGeek score of 81 out of 100 ($521 per year)

Auto-Owners' leading position is primarily due to its affordability and claims service. Its MoneyGeek score reflects strong performance across several factors, particularly for a minimum coverage policy. With the highest affordability and claims handling scores, Auto-Owners offers Kansas City drivers excellent value for their car insurance dollar.

In Kansas City, Kansas, the average cost of car insurance is $1,520 per year, which is higher than the Kansas state average of $1,340. Compared to the national average of $1,781, Kansas's average cost is lower by $442, indicating more affordable car insurance options for residents of the Sunflower State.

Several factors influence car insurance rates, such as the driver's age, vehicle make and model, driving history and credit score. However, location is a significant factor due to variables like traffic density, crime rates and the frequency of natural disasters. In Kansas, Olathe has the cheapest premium at $1,269 per year, while Kansas City has the most expensive at $1,520. This range in premiums within the state underscores the importance of location. In less populated, non-city areas, premiums can even be lower due to reduced traffic density.