bestauto insuranceKansas City2022Compare the Cheapest Car Insurance Quotes in Kansas City, MO
Auto insurance in Kansas City costs about $1,167 per year, which is 10.6% less than the state average. The cheapest widely available insurer is State Farm, charging $837 per year. To help you secure an affordable and high-quality car insurance policy, MoneyGeek ranked the best companies across various coverage levels and driver profiles.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Last Updated: 5/16/2022
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Mark Fitzpatrick
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For full coverage car insurance policies as well as liability insurance and drivers with tickets, State Farm offers the most affordable policies in Kansas City, Missouri. If you come from a military family, USAA may be your best option; however, due to its quality customer service and general affordability, MoneyGeek rated Auto-Owners as the best car insurance company in the city.
bestauto insuranceKansas City2022The Cheapest and Best Car Insurance in Kansas City
The Cheapest Car Insurance Companies in Kansas City
The following two companies provide the cheapest full coverage insurance plans in Kansas City, on average:
- State Farm: $837 per year
- Allstate: $842 per year
Note that USAA offers the city's cheapest full coverage insurance quotes at $478 per year, but their policies are only available to military members and their families.
State Farm's insurance quote is the cheapest in the city, costing about 80% less than full coverage from AAA, the most expensive insurer. Comprehensive and collision coverages are included in a full coverage insurance policy. Still, the rates vary depending on the amount of liability coverage limits you choose.
Cheapest Car Insurance in Kansas City
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$478
- 2.$837
- 3.$842
- 4.Allied$910
- 5.$1,044
For this study, MoneyGeek used the profile of a 40-year-old male driver with a full coverage insurance policy.
In addition to liability insurance, a full coverage car insurance policy includes the following two coverages and is thus more expensive than a liability-only policy.
- Collision Coverage: Covers your car against damages caused by a collision with another vehicle or object.
- Comprehensive Coverage: Covers your car for losses caused by theft, weather-related events and any other non-crash damage.
Full coverage car insurance premiums may add up to more than your car is worth, especially if your vehicle is several years old. In that case, a state minimum or liability insurance plan may be the better option.
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
The cheapest Kansas City insurance provides the minimum necessary coverage. The following companies offer the average cheapest minimum liability insurance in the city:
- State Farm: $389 per year
- Progressive: $497 per year
Military members and their families may qualify for USAA's $184 quote, which is the cheapest in the city.
State Farm charges approximately $252 less per year than AAA, the most expensive insurer quoting $641 on average.
Minimum coverage plans may be the cheapest available, but they also lack comprehensive and collision coverage and have significantly lower liability limits. This could put you at risk of having insufficient coverage in the case of an accident.
See the table below to understand how increasing liability limits affects insurance rates.
Cheapest Minimum Liability Car Insurance in Kansas City
State Minimum
- CompanyState Minimumper year
- 1.$184
- 2.$389
- 3.$497
- 4.$531
- 5.Allied$547
By law, drivers in Missouri must have a minimum of 25/50/20 liability car insurance. While this is the cheapest insurance in Kansas City, you should also expect the least protection. Additionally, if you are at fault in an accident, you will face further financial liabilities.
For instance, if you cause an accident and the other driver’s medical bills come to $50,000, you will be liable to pay $25,000 out of pocket because your liability insurance covers only $25,000 per person for bodily injury.
Missouri 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.
Cheapest Car Insurance in Kansas City if You Have Driving Violations
Your auto insurance rates can skyrocket if you have speeding tickets or are charged with driving under the influence (DUI). Following some of the most common traffic infractions, the cheapest average insurance quotes for Kansas City drivers are as follows:
- Cheapest after a ticket: State Farm, $904 per year
- Cheapest after an at-fault accident: State Farm, $970 per year
- Cheapest after a DUI: State Farm, $904 per year
USAA offers the cheapest quotes across all these categories, but their policies are only available to military members.
Whatever your traffic violation, if you improve your driving record over time, you may be able to lower your future insurance costs. After getting a ticket or being in an accident, it's smart to compare insurance rates to make sure you’re getting the best premium available.
Cheapest Car Insurance in Kansas City With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$557
- 2.$904
- 3.$947
- 4.Allied$1,043
- 5.$1,050
Average Cost of Car Insurance in Kansas City
Kansas City$1,167
Missouri$1,305
U.S.$1,424
The average car insurance in Kansas City is $1,167 annually. The city average is 10.6% less than the average annual cost of car insurance in Missouri. Additionally, Kansas City drivers also pay 18.1% less than the average national premium in the United States.
Personalized Quotes to Get You the Cheapest Car Insurance in Kansas City
In determining the cost of annual premiums, car insurance companies in Kansas City consider various factors. Each car insurance quote in Kansas City is based on the risks associated with the person seeking coverage. These companies evaluate age, gender, ZIP code, driving history, car make and model, credit score and marital status, among other factors. Any change in your life circumstances may affect the cost of your auto insurance. Regularly getting personalized quotes and comparing rates from different companies can help you find the best car insurance in Kansas City.
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 compared the car insurance companies in Kansas City based on quality of service and affordability. According to our research, the following companies offer the city's best car insurance:
- Auto-Owners: MoneyGeek score of 98 out of 100
- GEICO: MoneyGeek score of 93 out of 100
In Kansas City, USAA received the highest rating of 100 out of 100. Because its policies are exclusive to current and retired members of the military and their dependents, we did not include it in our list of best car insurance companies.
MoneyGeek derived these scores by ranking various criteria, including insurer financial stability, affordability and customer satisfaction, and using multiple resources such as data analytics and consumer intelligence company J. D. Power.
1
USAA
Score:100
2
Auto-Owners Insurance Co
Score:97.5
3
GEICO
Score:92.5
4
Allstate
Score:85
5
Auto Club of Southern California Insurance Group
Score:85
6
Travelers
Score:85
7
Progressive
Score:85
8
State Farm
Score:80
9
American Family
Score:77.5
10
Safeco
Score:77.5
11
Liberty Mutual
Score:77.5
12
Farmers
Score:75
13
Nationwide
Score:75
14
Farm Bureau Ins of MI
Score:72.5
Average Cost of Car Insurance by Postal Code
The state where you live has an impact on car insurance costs. However, it is not the only factor related to location. Your ZIP code can also affect your car insurance. When it comes to auto insurance in Kansas City, the most affordable neighborhood is 64152. Drivers residing there pay around $1,119 for their annual car insurance premiums, which is $134 less than the rate for those living in the most expensive ZIP code in the city — 64133 — who pay an average of $1,253.
- Zip CodeState Minimumper year
- 64152$1,119
- 64119$1,142
- 64118$1,154
- 64133$1,253
Factors That Impact Insurance Costs in Kansas City
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents 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.
Methodology and Assumptions
MoneyGeek’s average premium rates for Kansas City are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
About the Author
sources
- Missouri Department of Revenue. "Insurance Information." Accessed June 17, 2020.