Updated: December 15, 2025
Advertising & Editorial Disclosure
Auto-Owners: Most affordable for many driver profiles. At $38 monthly for minimum coverage and $90 monthly for full coverage, Auto-Owners saves most drivers 13% annually compared to Kansas City's average.
Travelers: Runner-up for affordability with $45 minimum and $92 full coverage monthly rates. It's affordable for young drivers, senior drivers and drivers with a history of accidents.
GEICO: Charges competitive rates for high-risk and standard drivers, with premiums below the city average across multiple profiles.
Cheapest Monthly Rates by Coverage and Driver Profile in Kansas City:
Auto-Owners delivers Kansas City's most affordable minimum coverage at $38 monthly, saving drivers 45% compared to the city average. Farm Bureau ranks second at $41 per month, 34% below typical rates. Auto-Owners also leads for full coverage at $90 monthly with 45% savings. Travelers offers the second-lowest full coverage rates at $92 per month (42% savings).
Your ZIP code and driving record affect your final premium, so compare quotes from multiple insurers.
| Auto Owners | $39 | $91 | -45% |
| Farm Bureau | $42 | $114 | -34% |
| Geico | $44 | $99 | -39% |
| Travelers | $46 | $92 | -42% |
| Shelter Insurance | $58 | $132 | -20% |
Not in Kansas City? Read more about the cheapest car insurance or the best providers in Missouri.
Adding a teen to your Kansas City car insurance costs significantly more due to their driving inexperience. Travelers offers the lowest rates at $206 monthly. Auto-Owners charges $264 per month, and Farm Bureau costs $275 monthly.
Keep your teen on your family policy rather than buying separate coverage, saving you hundreds annually. Defensive driving courses reduce premiums by 5% to 15%.
| Travelers | $207 | $2,479 | -52% |
| Auto Owners | $265 | $3,176 | -38% |
| Farm Bureau | $276 | $3,306 | -36% |
| Progressive | $283 | $3,398 | -34% |
| Geico | $299 | $3,587 | -30% |
Farm Bureau offers Kansas City seniors the lowest full coverage rates at $115 monthly. Travelers charges $120 per month, and Auto-Owners costs $134 monthly.
Seniors can save more through defensive driving courses, which reduce premiums up to 10% for three years. Most major insurers offer accident forgiveness programs for drivers 65 and older.
| Farm Bureau | $116 | $1,389 | -40% |
| Travelers | $121 | $1,451 | -37% |
| Auto Owners | $135 | $1,614 | -30% |
| Shelter Insurance | $140 | $1,675 | -27% |
| Geico | $144 | $1,727 | -25% |
Violations increase your rates, though costs vary by insurer and offense type.
Farm Bureau charges the lowest rates for drivers with DUIs at $55 monthly for minimum coverage, while Travelers costs $63. Farm Bureau also leads for speeding tickets at $43 per month compared to Travelers' $55. Drivers with at-fault accidents pay the least with Travelers at $59 monthly, just $1 below Farm Bureau's $60 rate.
Violations affect your rates for three to five years. DUIs impact premiums for up to 10 years. Compare quotes from multiple insurers after any violation, as companies weigh infractions differently and rate differences can exceed 50%.
| At-Fault Accident | Travelers | $59 | -48% |
| At-Fault Accident | Farm Bureau | $60 | -47% |
| DUI | Farm Bureau | $55 | -55% |
| DUI | Travelers | $63 | -49% |
| Speeding Ticket | Farm Bureau | $44 | -55% |
| Speeding Ticket | Travelers | $56 | -43% |
Your ZIP code affects Kansas City car insurance rates. Drivers in 64130 pay $219 monthly for full coverage, while those in 64155 pay $122, a $97 difference.
Traffic density, crime rates and accident frequency in your ZIP code determine these price variations. Location ranks among the top factors insurers use to calculate premiums.
| 64130 | $219 |
| 64128 | $190 |
| 64123 | $189 |
| 64109 | $188 |
| 64124 | $186 |
| 64132 | $184 |
| 64127 | $184 |
| 64125 | $183 |
| 64110 | $179 |
| 64101 | $176 |
| 64155 | $122 |
| 64164 | $122 |
| 64156 | $123 |
| 64157 | $124 |
| 64166 | $124 |
| 64167 | $124 |
| 64165 | $124 |
| 64151 | $124 |
| 64153 | $125 |
| 64158 | $125 |
Auto-Owners leads Kansas City with a MoneyGeek score of 97 out of 100. The insurer offers the area's lowest rates and earns high customer service ratings.
Travelers, GEICO, Progressive and Farm Bureau also rank among the city's best options. All five companies provide competitive pricing and reliable coverage for Kansas City drivers.
| Auto Owners | 97 | 1 | 1 | 6 |
| Travelers | 96 | 2 | 2 | 5 |
| Geico | 92 | 3 | 6 | 7 |
| Progressive | 92 | 6 | 3 | 2 |
| Farm Bureau | 91 | 4 | 4 | 8 |
Streamlined 'No Problem' claims with 24/7 support
Local agents with Kansas City market expertise
Common loss deductible across multiple policies
Limited online tools for quotes and claims
No regional advantages for Kansas City drivers
Weaker coverage options than most competitors
Auto-Owners handles claims efficiently and maintains 24/7 support. The company offers competitive rates for young and senior drivers and provides both digital support and local independent agents.
Auto-Owners' comprehensive coverage protects against Kansas City's thunderstorms, heavy snow and urban theft risks. The Personal Automobile Plus Package includes cell phone replacement and identity theft coverage.
24/7 claims support with dedicated professional team
Accident forgiveness through Responsible Driver Plan®
Coverage options for drivers with violations
Limited coverage options compared to other insurers
Inconsistent customer service and claim handling
May not offer most competitive rates
Travelers offers competitive rates for young drivers and drivers with accidents or violations. The company provides 24/7 digital support and a user-friendly mobile app for policy management and claims filing.
Travelers handles claims quickly and provides extensive theft coverage for urban risks. The insurer offers accident forgiveness to prevent rate increases after a first at-fault accident. Coverage options include gap insurance and weather protection for Kansas City's storms and winter conditions.
Kansas City drivers can reduce insurance costs through strategic policy choices and regular rate comparisons.
Combine auto with home or renters insurance for 15% to 25% savings. Add multi-car discounts (10% to 25% per vehicle), good driver discounts and automatic payment discounts. Kansas City drivers save 30% to 40% total by combining multiple discounts.
Increasing your deductible from $500 to $1,000 reduces annual premiums by 10% to 15%. This works best if you have emergency savings to cover the higher deductible.
Insurance companies adjust rates as Kansas City's risk factors and claims data change. Your driving record improves after three years without incidents. Compare quotes annually to find better rates.
Car insurance in Kansas City costs about $151 monthly for full coverage. This falls below the state average and ranks lower than many Missouri cities. Saint Louis drivers pay $268 per month, while Jefferson City residents pay $51 monthly.
Finding affordable car insurance in Kansas City starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Missouri’s insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 64130 often pay much more than those in 64155.
We partnered with the Missouri Department of Commerce and Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Kansas City ZIP code.
Our ratings for the best car insurance in Kansas City are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which shows which insurers maintain competitive rates across Kansas City neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
