Getting the best car insurance in Missouri requires you to consider various factors, including the city where you live. Some people may think that only their individual circumstances and needs can affect the cost of their annual premiums. What they fail to realize is that your location can also directly affect the rate of your car insurance. So, you will need personalized quotes if you want to find the most accurate car insurance in Kansas City.
Compare the Cheapest Car Insurance Quotes in Kansas City, MO
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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.
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The Best Cheap Car Insurance Companies in Kansas City
USAA provides the most affordable rate among car insurance companies in Kansas City. USAA's annual premium average is $478. However, USAA policies are not for everyone. Membership is open only to former and active-duty members of the military and their spouses or children. State Farm offers the second most affordable annual premium at an average of $837. State Farm policyholders get around 80.3% cheaper rates compared to drivers with a similar policy from the most expensive average annual premium in the city — AAA at $1,509.
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- CompanyAmountper year
- 1. USAA$478
- 2. State Farm$837
- 3. Allstate$842
- 4. Allied$910
- $1,044
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.
Cheapest Car Insurance in Kansas City by Coverage Amount
How much car insurance coverage you purchase in Kansas City also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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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.
Car insurance companies in Kansas City offer plans depending on the limits of the type and level of coverage. For example, you can get a minimum state liability coverage for $389 from State Farm. Customers who choose State Farm can also opt for a 50/100/50 liability-only or a full-coverage plan, which covers $50,000 in medical bills, $100,000 per vehicle and $50,000 in property damage liability.
For some individuals, it may be best to make use of the full-coverage policy. For example, Allstate offers 50/100/50 liability-only for $569. Adding $232 can get you full coverage that includes accident expenses.
Another option is the 100/300/100 full coverage. Among the insurance companies in Kansas City, USAA offers the cheapest at about $478. For non-military members, the cheapest option is State Farm’s at and average of $837.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$184$208
- 2. State Farm$389$449
- 3. Allstate$531$569
- 4. Allied$547$566
- $653$686
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$444$478
- 2. State Farm$760$837
- 3. Allstate$797$842
- 4. Allied$877$910
- $1,036$1,044
Compare Car Insurance Rates in Kansas City
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Cheapest Car Insurance in Kansas City if You Have Tickets
Generally, drivers with good records enjoy lower car insurance premiums compared to those with violations. For instance, a State Farm policyholder in Kansas City with no violations pays $837. If they get a DUI, they may have to pay an extra $67 more for a total of $904.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. USAA$557$635$786
- 2. State Farm$904$970$904
- 3. Allstate$947$998$1,078
- $1,050$1,050$1,050
- 5. Allied$1,043$1,449$1,561
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
Insurance Providers That Serve Kansas City
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.
Shopping around for car insurance in Kansas City could save you $330, which is enough to buy:
110Cups of Coffee
25Months of Your Favorite Streaming Service
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.
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.
About the Author
sources
- Missouri Department of Revenue. "Insurance Information." Accessed June 17, 2020.