The best car insurance in Kansas City, MO

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The average cost of a full coverage insurance policy in Kansas City is $1,808 per year. Compared to the Missouri state average of $1,568, Kansas City residents pay more than $240 per year for the same coverage. 

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The easiest way to save money on car insurance is by comparing quotes from multiple companies before you buy a policy. Policygenius can help you see options from top car insurance companies and choose the coverage that works best for you.

Key takeaways

  • USAA Insurance has the lowest average rates in Kansas City at $746 per year for full coverage

  • The minimum liability car insurance requirements in Missouri are $25,000 per person/$50,000 per accident in bodily injury liability and $10,000 in property damage liability

  • Uninsured/underinsured motorist coverage is also required in Kansas City

Cheapest car insurance companies in Kansas City, MO

Insurance companies all use the same information to determine car insurance rates, like your age, driving record, and ZIP code, but how companies weigh that data can vary. 

That’s why it’s so important to shop around and compare options before deciding on a car insurance policy.

Company

Average cost

JD Power Rating

USAA

$746

890

State Farm

$1,243

881

Missouri Farm Bureau

$1,240

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Travelers

$1,501

861

Auto-Owners Insurance

$1,556

890

Cheapest car insurance rates by ZIP code in Kansas City, MO

ZIP codes are one of the biggest factors insurance companies use to establish car insurance rates. Insurance companies look at the number of accidents and accident claims, the number of stolen vehicles, and the number of tickets issued in a specific neighborhood and set rates accordingly. 

ZIP code

Average cost

64101

$2,046

64102

$2,046

64105

$2,044

64106

$2,083

64108

$2,051

64109

$2,148

64110

$2,110

64111

$2,046

Choosing the right car insurance company in Kansas City, MO

There’s no one right company for every driver in Kansas City. The only way to find the company that will offer you the best coverage at the lowest rates is to shop around and compare options.

Policygenius makes it easy to see what you’ll pay with top car insurance companies, so you can feel confident you’re making the right choice.

Car insurance rates for drivers with driving violations in Kansas City, MO

Driving history is one of the biggest factors insurance companies use to set your insurance rates. A single speeding ticket can raise insurance rates by hundreds of dollars, while a DUI conviction can more than double or triple your rates.

Violation

USAA

GEICO

State Farm

Auto-Owners Insurance

American Family

At-fault accident

$1,407

$2,278

$1,464

$1,729

$2,240

DUI

$2,363

$4,300

$1,363

$3,059

$1,922

Suspended license

$2,222

$1,520

$1,363

$3,059

$2,381

Open container

$1,354

$1,520

$1,363

$1,582

$1,922

Expired registration

$1,213

$1,240

$1,363

$1,331

$1,476

Driving without lights

$1,213

$1,520

$1,363

$1,458

$1,476

Not showing documents

$1,213

$1,240

$1,363

$1,331

$1,476

Running a red light

$1,213

$1,520

$1,363

$1,458

$1,922

Cheapest car insurance for drivers with bad credit in Kansas City, MO

A poor credit score means higher insurance rates, so Kansas City drivers with bad credit should take extra time to shop around and find their most affordable options. 

Company

Rates for drivers with bad credit

USAA

$1,399

Columbia Insurance

$2,152

State Farm

$2,397

Missouri Farm Bureau

$2,448

Nationwide

$2,590

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Buying car insurance in Kansas City, MO

All Kansas City drivers must meet the minimum car insurance requirements in their state. The minimum liability insurance requirements in Missouri are:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $25,000

The insurance requirements are very low In Missouri and might not be enough protection in the event of an accident. In order to make sure you’re not left on the hook for expensive bills after a car crash, get higher liability limits and buy additional types of coverage. 

How to get cheap car insurance in Kansas City, MO

Car insurance is required in Kansas City, but discounts are a great way to make sure you’re finding your most affordable rates. Some of the most common car insurance discounts include:

  • Bundling discount: For combining multiple policies, like home and auto insurance, with the same company

  • Military discount: For active-duty military and their families

  • Low mileage discount: For drivers who drive less than 7,500 annually

  • Good student discount: For full-time high school and college students who maintain a B average or better

Discounts vary by company, and the best way to save money on car insurance is always by comparing quotes before you buy.

Frequently asked questions

Who has the lowest car insurance rates in Kansas City?

USAA has the lowest insurance rates in the city, according to our analysis, at an average cost of $746 per year for full coverage.

My neighbor’s car insurance is cheaper than mine, how come?

Insurance rates are different for everyone, and personal data like age, credit score, marital status, and driving history impact rates accordingly.

I got a parking ticket, will my insurance go up?

A regular parking ticket or a ticket for parking in a tow-away zone usually won’t increase your rates, but moving violations, like a speeding ticket, will.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.