Cheapest Auto Insurance in Kansas City, Kansas (2025)

CSAA offers the cheapest car insurance in Kansas City, with minimum-coverage policies as low as $61 per month.

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Cheapest recent rates near Kansas City, Kansas

Drivers using Insurify have found quotes as cheap as $45/mo for liability only and $81/mo for full coverage in Kansas City and other Kansas cities.

*Quotes generated for Insurify users in and around Kansas City, Kansas within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Kansas City, Kansas within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Drivers in Kansas City, Kansas, pay $93 per month for liability insurance and $170 for full-coverage insurance. This is higher than the state average of $80 for liability coverage and $80 for full-coverage insurance.

The Kansas City, Kansas, and Kansas City, Missouri, area ranks among the top 10 U.S. metropolitan areas with the highest rates of motor vehicle theft.[1] This could explain the high insurance costs for drivers in the area, as insurance companies account for the added risk.

Here’s how to find the cheapest car insurance for you in Kansas City by comparing quotes and coverage options.

Quick Facts
  • Kansas is a no-fault state, so you’ll have to use your own insurance policy to cover medical costs and other losses following an accident, regardless of fault. This likely increases average rates in the state.

  • CSAA, Root, and State Farm have some of the cheapest liability insurance in Kansas City.

  • The average yearly cost of car insurance in Kansas City is $2,040 for full-coverage insurance and $1,120 for liability-only coverage.

3 of the cheapest car insurance companies in Kansas City

The best insurer in Kansas City is different for everyone, and you’ll want to do some comparison shopping before settling on one. The quotes you receive during your search will often vary based on a variety of factors, such as your driving record, age, gender, and even your credit score.

As you begin your search, be sure to research your options with the following three insurers. The quotes below reflect average U.S. insurance costs.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
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Full Coverage
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Liability Only
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Best For
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State Farm9.3$115$57Cheap rates
USAA9.1$100$51Military families
American Family9.3$149$77Discounts

Best insurer for cheap rates: State Farm

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$79/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$106/mo
4.1
Best choiceBased on 11,365 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,074)
Thomas
Verified Review
Car insurance rip-off!
Reviewed in New Jersey on July 2025
My family has been driving for over 70 years. Dad has had 1 accident, Mom no accidents, me 2 accidents not my fault, and my son no accidents. No accident claims with State Farm, which we have had for over 20 years, but rates keep going up. We bundle 2 vehicles and homeowners, but can't find a company that will reduce our monthly premium.
Shawn
Verified Review
I like State Farm overall but I do not like their rates and their customer service
Reviewed in Oregon on July 2025
The agent is not attentive.
Christine
Verified Review
It's Real and Affordable!
Reviewed in West Virginia on July 2025
State Farm is great! Prices! What you need! Understanding and will help you save! Customer service is awesome!
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm was founded in 1922. Today, it offers around 100 different insurance products, including car insurance, renters insurance, and pet insurance. State Farm is available in all 50 states and is the largest insurance company in the country. 

Pros
  • A++ (Superior) AM Best financial strength rating

  • Offers rideshare insurance

Cons
  • Gap insurance not available

  • Not as many discounts as some competitors

Best insurer for military members: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$86/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$116/mo
4.9
Best choiceBased on 2,123 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,203)
Carol
Verified Review
I've been with them for 60 years
Reviewed in Georgia on July 2025
They offer a savings account, but you end up paying for it with higher premiums.
Judy
Verified Review
Thoughts on USAA
Reviewed in Texas on July 2025
They are good so far, although I've never had to contact them. I would like a lower monthly premium, but no one has given a lesser amount for insurance and a small renters policy.
Alvin
Verified Review
Top Notch Service!
Reviewed in Texas on July 2025
They're very customer-friendly. They offer the most bang for your bucks!
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

United Services Automobile Association (originally called United States Army Automobile Association) began in 1922. The insurer exclusively caters to active military members, veterans, and their families, providing car insurance, home insurance, and life insurance. USAA is available in all 50 states.

Pros
  • Good drivers may lower their auto insurance costs by up to 30%

  • Discounts for bundling, being a good student, enrolling in automatic payments, and more

Cons
  • Coverage is available only to active military members, veterans, and their families

  • Gap insurance not available

Best insurer for discounts: American Family

User Reviews
4.5
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$93/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$124/mo
4.5
Best choiceBased on 472 verified guest reviews and ratings
How drivers feel about American Family

Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family

Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (238)
William
Verified Review
Getting a better rate for car insurance.
Reviewed in California on July 2025
So far, no other insurance company could beat their offer.
Richard
Verified Review
American Family Insurance
Reviewed in Florida on May 2025
Purchased through Costco and it originally saved me a lot of money.
Scott
Verified Review
Check the Fine Details
Reviewed in Oregon on May 2025
My homeowner's insurance went up by $2000, and American Family did not inform me. It was my mortgage company that did. Make sure to check all the fine details.
See all American Family reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

American Family Insurance was founded in 1927 in Madison, Wisconsin. It branched out to service non-farmers and started offering products other than car insurance in 1963. Today, it offers more than a dozen different types of insurance, and it offers several discounts, including multi-vehicle, defensive driving, low mileage, and more.

Pros
  • Reputation for good customer service

  • Many discount and coverage options

Cons
  • Available in only 19 states

  • Digital experience not as robust as some competitors

How to get the cheapest car insurance in Kansas City

Finding the best insurance rates in Kansas City is possible with a few adjustments. Follow these tips:

  • Compare quotes. Comparing quotes from three or more insurers is the best way to find low rates and a coverage level that matches your needs. Using an insurance price-comparison platform can make these comparisons a breeze.

  • Choose liability only over full coverage. This strategy will lower your premiums, but it can be a risk because you’re taking on less protection. If you’re involved in an accident judged to be your fault, liability-only coverage won’t pay to repair your vehicle. But if you have an older vehicle that you wouldn’t seek to repair after an accident, liability coverage could make sense.

  • Adjust your deductible. A higher deductible will lower your premiums because you’re taking on more up-front risk. But keep in mind that if you’re in an accident that’s your fault, you’ll have to pay the deductible before your insurer pays for a repair bill. If paying a high deductible would be a serious hurdle for you, you may want to choose a low deductible in exchange for paying higher monthly premiums.

  • Don’t forget discounts. Asking your insurance company about any potential discounts that will bring your rates down is always a smart idea. In addition, you can also inquire if your workplace has any discount possibilities with a particular insurer.

Find Car Insurance in Kansas City, Kansas

Liability quotes start at $61 per month

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Cheapest liability-only car insurance in Kansas City: CSAA

Liability-only car insurance pays for damages or medical care required by the other party if you’re determined to be at fault for an accident. This coverage doesn’t offer any protection for you or your vehicle. As such, liability-only coverage is usually more affordable, but it may not be enough to match your needs.

The average cost of liability-only insurance in Kansas City is $93 per month. Here, you can see a collection of quotes for liability-only coverage in the area from leading companies.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
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Average Monthly Quote
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CSAA$61
Root$74
State Farm$79
Progressive$84
Safeco$84
USAA$86
Bristol West$90
National General$91
Dairyland$92
American Family$93
Auto-Owners$102
The General$106
Direct Auto$117
GEICO$121
Liberty Mutual$133
Travelers$135
Allstate$146
Farmers$178
Nationwide$181
Shelter$216
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Kansas City: State Farm

Full-coverage car insurance provides the same protections as liability-only coverage but also covers damage or hospital expenses for you and your vehicle. This coverage is more expensive, but it could be a good option if you have a new car or you wouldn’t be able to replace your vehicle if it was totaled.

On average, Kansas city drivers pay $170 for full-coverage insurance. Compare the cheapest full-coverage insurance quotes below.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
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Average Monthly Quote
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State Farm$106
USAA$116
American Family$124
Root$137
Auto-Owners$137
CSAA$145
Progressive$152
National General$159
GEICO$162
Travelers$182
Safeco$187
Allstate$196
Direct Auto$200
The General$218
Bristol West$228
Farmers$238
Nationwide$242
Liberty Mutual$242
Dairyland$271
Shelter$290
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Kansas City, Kansas

Drivers using Insurify have found quotes as cheap as $45/mo for liability only and $81/mo for full coverage in Kansas City and other Kansas cities.

*Quotes generated for Insurify users in and around Kansas City, Kansas within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Kansas City, Kansas within the last 10 days. Last updated on July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Kansas

You must carry liability coverage for body and property, as well as uninsured and underinsured motorist coverage, to drive in Kansas. But the state also requires you to carry personal injury protection insurance, more commonly known as PIP or no-fault insurance.[2] This coverage ensures that if you’re in an accident, no matter who was at fault, your insurance will cover your injuries as well as those of household members in the vehicle.

PIP insurance also covers expenses such as hospital bills, disability and lost income, rehabilitation expenses, required in-home services care, and, if necessary, funeral and burial expenses.

Here are the minimum car insurance requirements necessary for you to drive in Kansas.

Coverage
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Minimum Requirements
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Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

Personal injury protection (PIP)

 

  • $4,500 per person for medical expenses
  • $900 per month for one year for disability/loss of income
  • $25 per day for in-home services
  • $2,000 for funeral, burial, or cremation expense
  • $4,500 for rehabilitation expenses
Uninsured/underinsured motorist$25,000 per person / $50,000 per accident

It may be a good idea to secure coverage that exceeds the minimum requirements. Minimum coverage won’t replace your car if it’s stolen — or pay for damages if a tree falls on your parked car during a windstorm, for example. You may want to consider purchasing these optional coverages for more financial protection:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays for repairs to your vehicle if it’s damaged by another vehicle, an object, or even through reckless driving. For instance, if you back into a telephone pole, collision coverage would pay for that. Or if you round a curve too fast and your car careens down a hill, collision insurance would pay for that, too.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance protects you if your vehicle is damaged in an event beyond a car accident. If a deer darts into the side of your moving car, or your car is stolen or vandalized, for example, your insurance would pay for repairs or for it to be replaced. If hail damages your car, or your engine catches on fire, comprehensive insurance would also pay for that.

Cheapest car insurance for drivers with an incident

If you have an incident on the road — such as a speeding ticket, at-fault accident, or DUI — you should prepare for your insurance premiums to increase. Insurers generally assume that one incident might be a sign of more to come, and they guard against that by raising premiums. Fortunately, if you drive for a few years without an incident, insurers will usually lower your rates.

In the sections that follow, you’ll see how incident types can affect your insurance rates.

Shop for Car Insurance in Kansas City, KS

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Cheapest car insurance for drivers with a speeding ticket: CSAA

Flying down State Route 69 may seem tempting. But if you’re caught speeding, at some point after you pay your fine at the Municipal Court office or through Wyandotte County’s app, your car insurance premiums will likely go up.

The average cost of car insurance for a Kansas City driver with a speeding ticket is $117 per month for liability coverage and $215 for full coverage. You can see average monthly quotes for Kansas City drivers with a speeding ticket below and how they compare to rates for drivers with a clean record.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
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Clean Driving Record
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With Speeding Ticket
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CSAA$61$76
Root$74$96
State Farm$79$97
Progressive$84$106
Safeco$84$107
USAA$86$106
Bristol West$90$113
National General$91$112
Dairyland$92$114
American Family$93$116
Auto-Owners$102$127
The General$106$139
Direct Auto$117$146
GEICO$121$154
Liberty Mutual$133$167
Travelers$135$169
Allstate$146$180
Farmers$178$221
Nationwide$181$226
Shelter$216$279
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: CSAA

An at-fault accident is problematic for a number of reasons, from car repair to potential injury and, yes, even climbing insurance costs. Insurers typically reward drivers who stay out of trouble on the road with cheaper car insurance — and hedge their bets on drivers who get into an accident by charging them higher premiums.

Kansas City drivers with an accident pay an average of $221 per month for full coverage and $121 for liability insurance. Here, you can see how an at-fault accident can affect your monthly rates.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
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Clean Driving Record
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With Accident
sort ascsort desc
CSAA$61$83
Root$74$93
State Farm$79$100
Progressive$84$109
Safeco$84$114
USAA$86$110
Bristol West$90$116
National General$91$116
Dairyland$92$118
American Family$93$120
Auto-Owners$102$130
The General$106$142
Direct Auto$117$154
GEICO$121$146
Liberty Mutual$133$173
Travelers$135$174
Allstate$146$186
Farmers$178$228
Nationwide$181$233
Shelter$216$275
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: CSAA

Insurers see a DUI on your record as a very serious offense, and as such, you can expect your premiums to soar. In some cases, your insurer may drop you altogether.

On average, drivers with a DUI pay monthly average rates of $126 for liability insurance and $230 for full-coverage insurance in Kansas City. The table below shows what you’d pay, on average, for car insurance in Kansas City with a DUI on your record.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
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Clean Driving Record
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With DUI
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CSAA$61$88
Root$74$106
State Farm$79$113
Progressive$84$113
Safeco$84$123
USAA$86$124
Bristol West$90$129
National General$91$131
Dairyland$92$132
American Family$93$134
Auto-Owners$102$147
The General$106$152
Direct Auto$117$168
GEICO$121$174
Liberty Mutual$133$191
Travelers$135$194
Allstate$146$210
Farmers$178$256
Nationwide$181$260
Shelter$216$310
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: CSAA

Insurers calculate insurance premiums by looking at a lot of different factors, such as driving history and age.

If you’re 70 or older, your premiums will probably start to rise. You may be a superb driver, but insurers raise rates for older drivers because reaction times decrease as people age and the likelihood of costly medical bills increases when seniors are involved in an accident.

Senior drivers in Kansas City pay $143 per month for full-coverage insurance and $78 for liability insurance. The table below shows what you may pay, on average, for your insurance premiums as a senior driver in Kansas City.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
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Full Coverage
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Liability Only
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State Farm$82$61
USAA$93$69
American Family$98$73
Auto-Owners$109$81
CSAA$111$47
Root$114$62
National General$121$70
GEICO$126$94
Progressive$128$71
Travelers$142$106
Direct Auto$156$91
Allstate$158$117
Safeco$161$72
The General$175$85
Nationwide$182$136
Bristol West$185$73
Farmers$186$139
Liberty Mutual$200$110
Shelter$207$154
Dairyland$219$74
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: CSAA

Many teenagers are excellent drivers, and some young adults may be better than some seasoned drivers who are complacent behind the wheel. But insurers still charge teens higher premiums than older, more experienced drivers because young drivers are more likely to be involved in an at-fault incident than older drivers.

Fortunately, teenage drivers have ways to lower a high insurance bill. For example, insurers charge less when a teenage driver stays on their parents’ policy than when a teen driver buys their own policy. Driving a car that your insurer considers a safe model could also lower your premiums. Finally, good grades may give you a student discount with your insurer.

On average, teenagers in Kansas City pay $203 per month for liability coverage and $372 for full-coverage insurance. This table shows what teen drivers pay for insurance from different companies in Kansas City.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$219$163
USAA$232$172
American Family$252$189
Root$263$142
Auto-Owners$275$205
CSAA$276$116
GEICO$317$237
Progressive$332$184
National General$349$200
Travelers$392$291
The General$412$200
Safeco$415$187
Allstate$417$311
Direct Auto$427$250
Bristol West$448$177
Liberty Mutual$479$263
Farmers$493$369
Dairyland$497$169
Nationwide$509$380
Shelter$626$467
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Kansas City, Kansas

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Kansas City car insurance quotes by credit tier

Most states, including Kansas, allow insurers to consider credit scores when pricing insurance premiums. Rightly or wrongly, insurers have concluded that a person’s credit history is a sign of how safe of a driver they are. So, motorists who have excellent or good credit scores pay far lower insurance premiums than drivers with poor credit scores.

The table below shows how Kansas City drivers’ credit tiers affect their insurance premiums. As you’ll see, premiums go up significantly the lower your credit tier is.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Kansas City?

While insurance prices in Kansas City are among the top in the state, they’re still comparable with the national averages. The U.S. car insurance average is $107 for liability-only coverage and $192 for full coverage. In Kansas City, average rates are $93 for liability-only coverage and $170 for full coverage.

But drivers in Kansas City are paying higher rates for full-coverage car insurance in the state because Kansas City has much higher rates of motor vehicle theft than other cities in the state of Kansas. Insurers likely increase average premiums in Kansas City to account for the added risk associated with potential vehicle theft.

More cities in Kansas

On average, Kansas drivers pay $152 per month for full-coverage car insurance and $80 for liability insurance. Meanwhile, drivers in Kansas City pay an average of $93 for liability and $170 for full coverage.

The table below shows that rates in the area outpace those in other Kansas cities. 

City
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
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Garden City$176$77
Lawrence$144$80
Manhattan$139$74
Topeka$145$80
Wichita$172$93
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Kansas City car insurance FAQs

Looking for more information to help you find the best car insurance in Kansas City? The answers below can help you improve your search and find the best results.

  • How much is car insurance in Kansas City?

    The average cost of car insurance in Kansas City is $93 per month for liability-only coverage and $170 for full coverage. How much you pay for coverage will ultimately depend on your driving record, credit history, age, and more.

  • Who has the cheapest car insurance in Kansas City?

    With a liability insurance rate of $61, CSAA is the cheapest car insurance company in Kansas City. Root and State Farm also offer affordable liability coverage, at $74 and $79 per month, respectively. The best way to find cheap car insurance is to compare quotes from multiple insurance companies at once.

  • What are the best car insurance companies in Kansas City?

    State Farm, USAA, and American Family are the best car insurance companies in Kansas City. Each company has a high Insurify Quality (IQ) Score, with State Farm scoring a 9.3 out of 5, USAA a 9.1, and American Family a 9.3. All three insurers have low average rates and are recognized for their financial stability, customer service, and discount offerings.

  • Is car insurance cheaper in Kansas or Missouri?

    Car insurance is cheaper in Kansas, on average. Drivers in Kansas pay $80 per month for liability-only coverage and $152 for full-coverage insurance. In Missouri, average rates are higher at $96 per month for liability insurance and $186 for full-coverage insurance.

  • Is Kansas a no-fault state?

    Yes. Kansas is a no-fault state.[3] This means, in the event of an accident, each party’s insurer will cover the related costs of their client.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Facts + Statistics: Auto theft."
  2. Kansas Insurance Department. "Auto Insurance."
  3. NOLO. "Kansas No-Fault Car Insurance."
Geoff Williams
Geoff Williams

Geoff Williams is a freelance journalist who has written personal finance articles for most of his career and for numerous publications, including U.S. News & World Report, The Wall Street Journal, Bankrate, CNNMoney.com and Forbes.com. He is also the author of several books, including “C.C. Pyle’s Amazing Foot Race” and “Washed Away,” and writes a classic TV blog called “The TV Professor.”

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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