Compare 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.

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The Cheapest and Best Car Insurance in Kansas City

The Cheapest Car Insurance Companies in Kansas City

Car insurance companies that offer the lowest rates for a full coverage policy in Kansas City are:

  • USAA: $478 per year (limited to former and current military members)
  • State Farm: $837 per year

The prices listed above are averages for a sample driver with a full coverage car insurance policy. The driver is a 40-year-old male whose policy consists of liability coverage in addition to comprehensive and collision coverage.

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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 Car Insurance Companies in Kansas City

Kansas City drivers seeking car insurance coverage that balances quality and affordability can use MoneyGeek’s scores to find the city’s best insurers.

Based on these scores, the best insurance in Kansas City comes from:

  • Auto-Owners: MoneyGeek score of 98 out of 100
  • GEICO: MoneyGeek score of 93 out of 100

USAA received the highest score in Kansas City by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

The scores are derived from various criteria, including the J.D. Power financial stability, affordability and customer satisfaction scores.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:98

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:93

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

5
Auto Club of Southern California Insurance Group
Score:85

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Travelers
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

7
Progressive
Score:85

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
American Family
Score:78

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:78

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Liberty Mutual
Score:78

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
Farmers
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

13
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

14
Farm Bureau Ins of MI
Score:73

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

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.

Shopping around for car insurance in Kansas City could save you $330, which is enough to buy:


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110Cups of Coffee
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25Months of Your Favorite Streaming Service

Cheapest Car Insurance in Kansas City by Coverage Amount

The amount of coverage you purchase significantly impacts your cost of car insurance in Kansas City and elsewhere. A policy that only meets the state’s minimum requirements costs an average of $607 per year. A full coverage policy costs $1,167 on average or $560 more.

Missouri Minimum Liability Requirements

  • Item
    Description
  • 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 an average of $837.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Kansas City if You Have Driving Violations

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.

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities19th/300
handcuffs2 icon
Most Car Thefts244th/300
uninsured icon
Most Uninsured Motorists by State17th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall116th/300
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Most Rainy Days144th/300

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.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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