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.
Save up to $852 by comparing quotes from the top 100+ insurance companies
Excellent
Secure. Free. Easy-to-use.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Cheapest recent rates near Kansas City, Kansas
Recent Kansas City, Kansas car insurance prices for Ford, Hyundai, Chevrolet , and more.
*Quotes generated for Insurify users in and around Kansas City, Kansas within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in Kansas City, Kansas, pay $94 per month for liability insurance and $187 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.
Root, Dairyland, and CSAA have some of the cheapest liability insurance in Kansas City.
The average yearly cost of car insurance in Kansas City is $2,243 for full-coverage insurance and $1,132 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
▲▼
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.
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.
$54/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.
$119/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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.
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.
9.4 /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.
$45/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.
$99/mo
4.9
Best choiceBased on 1,646 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (940)
Arlington
December 18, 2024
Verified Review
Mediocre
It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.
Peter
December 18, 2024
Verified Review
Not Happy with USAA
They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.
Donna
December 17, 2024
Verified Review
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
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
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.
$72/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.
$160/mo
4.5
Best choiceBased on 394 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
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 responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (211)
Kelley
December 2, 2024
Verified Review
They raise rates every two months. They handled an incident where my wife got rear-ended and then raised the rate.
They raise rates every two months. They handled an incident where my wife got rear-ended and then raised the rate.
Jim
November 30, 2024
Verified Review
Highway Robbery
I had no claims, yet my premiums are skyrocketing. The app for auto monitoring seems to be negatively skewed for those of us who drive very little. The agents are unresponsive and add no value.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3
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 $73 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Kansas City: Root
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 $94 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Root
$73
Dairyland
$83
CSAA
$85
Safeco
$85
National General
$87
Direct Auto
$100
Bristol West
$104
Liberty Mutual
$109
The General
$114
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Root
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 $187 for full-coverage insurance. Compare the cheapest full-coverage insurance quotes below.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Root
$124
CSAA
$156
National General
$164
Safeco
$174
Direct Auto
$205
Dairyland
$223
Liberty Mutual
$240
The General
$248
Bristol West
$281
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
Recent Kansas City, Kansas car insurance prices for Nissan, Jeep, Ford , and more.
*Quotes generated for Insurify users in and around Kansas City, Kansas within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. 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
▲▼
Minimum Requirements
▲▼
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:
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.
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
See personalized quotes in 5 minutes or less
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Root
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 $144 per month for liability coverage and $285 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Root
$73
$107
Dairyland
$83
$113
CSAA
$85
$118
Safeco
$85
$117
National General
$87
$119
Direct Auto
$100
$136
Bristol West
$104
$143
Liberty Mutual
$109
$159
The General
$114
$159
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Root
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 $289 per month for full coverage and $145 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Root
$73
$110
Dairyland
$83
$116
CSAA
$85
$124
Safeco
$85
$119
National General
$87
$122
Direct Auto
$100
$144
Bristol West
$104
$147
Liberty Mutual
$109
$163
The General
$114
$164
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Root
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 $164 for liability insurance and $326 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
Root
$73
$112
Dairyland
$83
$141
CSAA
$85
$130
Safeco
$85
$130
National General
$87
$148
Direct Auto
$100
$170
Bristol West
$104
$176
Liberty Mutual
$109
$185
The General
$114
$193
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Root
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 $135 per month for full-coverage insurance and $68 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Root
$98
$58
CSAA
$111
$60
National General
$117
$62
Safeco
$140
$68
Direct Auto
$149
$73
Dairyland
$167
$62
Liberty Mutual
$188
$86
The General
$188
$86
Bristol West
$211
$78
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Root
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 $177 per month for liability coverage and $352 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Root
$196
$116
CSAA
$265
$144
National General
$338
$179
Safeco
$347
$170
Dairyland
$379
$141
Direct Auto
$395
$192
The General
$417
$192
Liberty Mutual
$433
$197
Bristol West
$500
$185
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
Insurify partners with 100+ top insurers for real quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $105 for liability-only coverage and $202 for full coverage. In Kansas City, average rates are $94 for liability-only coverage and $187 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 $167 per month for full-coverage car insurance and $80 for liability insurance. Meanwhile, drivers in Kansas City pay an average of $94 for liability and $187 for full coverage.
The table below shows that rates in the area outpace those in other Kansas cities.
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.
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 $94 per month for liability-only coverage and $187 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 $73, Root is the cheapest car insurance company in Kansas City. Dairyland and CSAA also offer affordable liability coverage, at $83 and $85 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 9.4, and American Family a 9.1. 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 $167 for full-coverage insurance. In Missouri, average rates are higher at $98 per month for liability insurance and $205 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 50+ 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.
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.”
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.
)
)
){kind=logo}
){kind=small}
){kind=small}
)
)
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
)
)
)
)
)