Best car insurance in Kansas City, MO (2024)

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Gianetta PalmerContributing WriterGianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Michael Reynolds, CSRIC®, AIF®, CFT-I™Michael Reynolds, CSRIC®, AIF®, CFT-I™Financial AdvisorMichael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

Updated|2 min read

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The average cost of a full coverage insurance policy in Kansas City is $1,835 per year. Compared to the Missouri state average of $1,588, Kansas City residents pay $247 more per year for the same coverage. 

Ready to shop car insurance?

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 $936 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

Methodology & why you can trust our rates

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.

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

$936

890

GEICO

$1,031

874

Nationwide

$1,137

868

State Farm

$1,198

882

Auto-Owners Insurance

$1,315

865

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

66109

$1,558

66111

$1,608

66112

$1,687

66106

$1,692

66103

$1,698

66118

$1,725

66105

$1,762

66160

$1,768

66115

$1,776

66104

$1,780

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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

Nationwide

State Farm

Auto-Owners Insurance

At-fault accident

$1,407

$2,045

$1,894

$1,382

$1,877

DUI

$2,363

$3,858

$2,428

$1,289

$3,293

Suspended license

$2,222

$1,365

$2,428

$1,289

$3,293

Open container

$1,354

$1,365

$1,426

$1,289

$1,720

Expired registration

$1,213

$1,114

$1,426

$1,289

$1,461

Driving without lights

$1,213

$1,365

$1,426

$1,289

$1,583

Running a red light

$1,213

$1,365

$1,426

$1,289

$1,583

Following too closely

$1,213

$1,365

$1,426

$1,289

$1,583

Hit and run

$2,551

$3,858

$2,428

$1,289

$3,293

Not-at-fault accident

$990

$1,298

$1,179

$1,222

$1,334

Passing a school bus

$1,354

$1,365

$1,426

$1,289

$1,809

Reckless driving

$1,354

$2,698

$2,428

$1,289

$2,310

Speeding

$1,213

$1,365

$1,426

$1,289

$2,310

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Cheapest car insurance for drivers with a DUI in Kansas City, KS

Company

Rates for drivers with DUIs

State Farm

$1,289

USAA

$2,363

Nationwide

$2,428

Auto-Owners Insurance

$3,293

GEICO

$3,858

Cheapest car insurance for drivers with a speeding ticket in Kansas City, KS

Company

Rates for drivers with speeding tickets

USAA

$1,213

State Farm

$1,289

GEICO

$1,365

Nationwide

$1,426

Auto-Owners Insurance

$2,310

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

GEICO

$1,593

Nationwide

$1,751

USAA

$1,760

Travelers

$2,452

American Family

$2,592

Ready to shop car insurance?

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

How much is car insurance per month in Missouri?

Drivers in Missouri pay an average of $1,588 per year for car insurance, which breaks down to $132 per month.

How much does car insurance cost in Missouri?

The average car insurance rate in Missouri is $1,588 per year, but this varies from place to place. For example, Drivers in Kansas City pay an average of $1,835 per year for car insurance, which is $247 higher than the state average.

Is car insurance cheaper in Kansas or Missouri?

Drivers in Missouri pay more for car insurance than drivers in Kansas, but not by much. The average insurance rate in Kansas is $1,532 per year, while the average insurance rate in Missouri is $1,588 per year.

Who actually has the cheapest car insurance in Kansas City?

According to our research, USAA has the lowest rates in Kansas City at $936 per year.

Authors

Gianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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