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.
bestauto insuranceKansas City2021The 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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- CompanyAmountper year
- 1.$478
- 2.$837
- 3.$842
- 4.Allied$910
- 5.$1,044
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.
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
2
Auto-Owners Insurance Co
Score:98
3
GEICO
Score:93
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:78
10
Safeco
Score:78
11
Liberty Mutual
Score:78
12
Farmers
Score:75
13
Nationwide
Score:75
14
Farm Bureau Ins of MI
Score:73
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:
110Cups of Coffee
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
- 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 an average of $837.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$184$208
- 2.$389$449
- 3.$531$569
- 4.Allied$547$566
- 5.$653$686
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$444$478
- 2.$760$837
- 3.$797$842
- 4.Allied$877$910
- 5.$1,036$1,044
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$557$635$786
- 2.$904$970$904
- 3.$947$998$1,078
- 4.$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.
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.