Cheapest Car Insurance Companies in Kansas City, MO (2023 Rates)

Your needs and profile affect your insurance rates. In Kansas City, Nationwide has the cheapest rates for minimum coverage, full coverage, seniors, those with bad credit and drivers with tickets. GEICO is the cheapest for teens, American Family for young adults and sports cars, USAA for military families and State Farm for drivers with DUIs or at-fault accidents.

MoneyGeek also examined the best auto insurance in Kansas City for drivers seeking quality service and affordability.

The following companies offer the cheapest liability-only auto insurance coverage in Kansas City:

• Nationwide: $525 per year
• State Farm: $563 per year

Kemper has the priciest average minimum coverage insurance at about $958 annually. Progressive offers the cheapest auto insurance in Missouri as of October 2022, averaging $457 per year. This disparity shows that finding the provider that gives the best deal can depend on your location.

Minimum liability coverage requirements vary by state. In Missouri, the following limits are required for drivers:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $25,000 uninsured motorist coverage per person
• $50,000 uninsured motorist coverage per accident

The state liability-only insurance covers third-party bodily injury responsibility and property damage sustained in an accident. Missouri also mandates uninsured motorist coverage.

Considering Missouri's minimum coverage requirements, you may anticipate your Kansas City insurance carrier to pay a limit of $25,000 per bodily injury to a third party and up to $50,000 per accident. You will pay any extra expenditures out of your own pocket.

The insurance companies in Kansas City offering the cheapest full coverage auto insurance are:

• Nationwide: $1,042 per year
• Allstate: $1,132 per year

Kemper is the most costly alternative, averaging $2,743 for full coverage insurance.

American Family is the most affordable provider of full coverage car insurance in Missouri, with yearly rates of around $994. This figure is lower than the cheapest rates for drivers in Kansas City, which proves that location plays a role in determining insurance premiums.

Full coverage insurance has higher liability limits in addition to collision and comprehensive coverage.

• Collision insurance: This protects against losses from collisions with other vehicles or immovable objects.
• Comprehensive insurance: This covers non-collision damages resulting from events like theft, vandalism and natural catastrophes.

Full coverage insurance may not be worth it for older automobiles since you could spend hundreds more yearly for a vehicle that may not be worth much.

For those with traffic infractions, the cheapest full coverage auto insurance companies in Kansas City are:

• Speeding ticket: Nationwide ($1,281 per year)
• At-fault accident: State Farm ($1,386 per year)
• DUI: State Farm ($1,290 per year)

For DUI drivers, GEICO quotes the highest rates ($3,246), while Kemper offers the highest quote after speeding ($3,215) and after an at-fault accident ($3,895). Your driving record can substantially impact your car insurance premiums. Even the cheapest insurer will charge higher rates for poor driving records.

The severity of a driving offense can impact how much your premium increases. Drivers in Kansas City found guilty of DUI are projected to pay $216 more for insurance than those who receive a speeding citation. There are still options for finding cheap auto insurance with a poor driving record.

The most affordable providers for teens added to their parent’s policy in Kansas City are:

• GEICO: $1,732 per year for female teens; $1,835 per year for male teens
• Nationwide: $2,288 per year for female teens
• Allstate: $2,341 per year for male teens

With Kemper, you pay the highest prices in Kansas City, averaging $12,019 for males and $9,621 for females.

The cheapest provider, GEICO, costs males around $105 more than females. Given the greater risk they carry, it is usually more expensive to insure male teens than female teens. This difference narrows in early adulthood.

Adding a young driver to an existing family policy is less expensive than purchasing their own insurance. Using rates from Kansas City as an example, the individual insurance cost for a male teenager getting his own plan is around $3,902 more than if he were added to an existing family policy. You can save money by comparing the cheapest rates for adding teenagers to a family insurance policy.

Active duty military members, veterans and their families in Kansas City may get the cheapest military car insurance from the following companies:

• USAA: $520 per year
• Nationwide: $1,042 per year

These are the prices of insurance with full coverage. If you need the state minimum coverage, USAA is still the cheapest option, costing an average of $178 per year. Nationwide ranks second at an average of $525 per year.

Getting car insurance quotes online can be time-consuming. As part of the process, you might be asked for personal information, and it may take up to 15 minutes to receive insurance quotations from a single firm.

By entering basic information such as your age, car model, coverage requirement and driving record, MoneyGeek's auto insurance calculator will quickly estimate your auto insurance premiums from many providers.

In Kansas City, the cheapest auto insurance policies for young drivers are from the following companies:

• American Family: $1,263 per year
• Nationwide: $1,377 per year

For young drivers in Kansas City, Kemper has the most expensive insurance options, with an average annual premium of $3,244. Compared to drivers in their 40s, the city’s drivers in their 20s pay around $381 more yearly for auto insurance.

The following are the cheapest car insurance companies for senior drivers in Kansas City:

• Nationwide: $958 per year
• Allstate: $1,045 per year

Kemper is the most expensive insurer in this category, charging approximately $2,665 yearly for senior insurance. Seniors in the city save an average of $116 annually on auto insurance compared to drivers in their 40s. The cost of premiums usually rises after age 65 due to a perceived increased risk.

The following Kansas City companies offer the most affordable full coverage car insurance rates for those with bad credit:

• Nationwide: $1,595 per year
• Allstate: $1,785 per year

The annual premium for AAA car insurance in Kansas City is roughly $6,506 for those with bad credit, making it the most expensive option.

Your insurance company may use your credit score when calculating your insurance premiums. Drivers in Kansas City with bad credit could pay $1,247 more for auto insurance than those with good credit, which is a difference of around 77%.

Insurers believe that policyholders with poor credit histories are more likely to submit claims, so they tend to charge higher premiums. If you have bad credit, it doesn't mean you can't get better insurance rates.

Finding common discounts offered by insurers, bundling policies and evaluating quotes from different companies are all effective strategies to lower the cost of insurance. If you attempt to improve your credit score over time, your rates can also decrease.

The following companies offer the cheapest sports car insurance in Kansas City:

• American Family: $1,112 per year
• Allstate: $1,143 per year

Average annual premiums with Kemper for sports car insurance in the city are $3,185, making it the most expensive option. Due to the higher cost of servicing and repairing sports cars, they are generally more expensive to insure than other types of cars. Sports car insurance costs in the city are around $61 or 4% more expensive than those for a Toyota Camry.

MoneyGeek utilized a Ford Mustang as its sports car baseline, but premiums can vary by model. It's important to know that rates are often higher for luxury vehicles, electric cars and sports cars.

Kansas City's average yearly full coverage auto insurance premium is $1,447, which is $182 higher than the national car insurance average of $1,265 and $69 more than the average cost of car insurance in Missouri of $1,378. These rates are for bodily injury liability of $100,000 per person, $300,000 per accident and $100,000 property damage liability. Many factors can impact the cost of car insurance, including location.