Cheapest Auto Insurance in Kansas City, Kansas (2026)
State Farm offers the cheapest car insurance in Kansas City, with minimum-coverage policies as low as $62 per month.
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Table of contents
Drivers in Kansas City, Kansas, pay $87 per month for liability insurance and $163 for full-coverage insurance. This is higher than the state average of $74 for liability coverage and $74 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.
State Farm, CSAA, and USAA have some of the cheapest liability insurance in Kansas City.
The average yearly cost of car insurance in Kansas City is $1,961 for full-coverage insurance and $1,045 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. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $108 | $55 | Cheap rates |
| USAA | 9.1 | $100 | $53 | Military families |
| American Family | 9.3 | $151 | $82 | Discounts |
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. | $62/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. | $110/mo |
4.1
Best choiceBased on 14,010 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 (6,869)
Shawn
Verified Review
Great customer service, at a price.
Reviewed in Utah on January 2026
Great local agents and customer service. They truly care about their customers, but they are more expensive than some other insurers.
Eva
Verified Review
High Costs and Misleading Discounts
Reviewed in South Carolina on January 2026
The insurance is too expensive, and the discounts are not what they claim to be.
Dennis
Verified Review
State Farm 40+ Years Customer
Reviewed in Florida on January 2026
I have had State Farm for over 40 years. No accidents, no tickets. I drive less than 7k per year, only for pleasure driving, because I work from home. Before COVID-19, we paid around $1,400 per year for two vehicles. Today, this is $2,500 per year. I could understand if we were bad drivers, but only a windshield replacement 5 years ago is our only claim. I am ready to move to a company that recognizes good drivers and gives breaks because we are good drivers. Throw in condo walls insurance too.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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. | $68/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. | $120/mo |
4.9
Best choiceBased on 2,735 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 (1,408)
James
Verified Review
Great service and well laid out.
Reviewed in Kentucky on January 2026
I had them before and I can’t remember why I left. But I'm happy to be back.
Peter
Verified Review
USAA is the finest insurance company I have ever been with.
Reviewed in Tennessee on January 2026
I've got a total of forty-six years with USAA. Most of the military are insured with them. I always got great coverage and no problems with all the personnel I've dealt with. I recommend USAA to everyone.
Robert
Verified Review
USAA is a pretty good company!
Reviewed in Oklahoma on January 2026
USAA has been really good on the car side but needs a little more attention when you have a possible home issue. They, however, did lower our rates when I asked them for some help on that particular subject. Maybe I should have given them four stars instead of five, but I took everything into consideration and decided they deserved five stars! We have been with them for over five years, so I just thought back on how it has been over the last five years, and I can honestly say I haven’t had any problems!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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. | $74/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. | $130/mo |
4.5
Best choiceBased on 546 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 (255)
William
Verified Review
Tired of Getting Robbed
Reviewed in Washington on January 2026
My problem is I am 68 years old, never been in an accident, and my last ticket was in September 2019, with the one before that in 1976. I am retired, and between my three autos, I drive maybe 25 miles a week, yet I am being charged over $300.00 a month. I may go 2 to 3 days a week without driving anywhere. I live alone and am the sole driver of my vehicles, and I am on a fixed income. I am tired of being overcharged every month.
Chuck
Verified Review
AmFam is like Family.
Reviewed in Colorado on January 2026
It has been good and cordial, but then again I haven’t had any claims.
Jill
Verified Review
Can't be an Uber driver
Reviewed in Alabama on January 2026
I love my current car insurance. However, I need coverage for delivery, driver, and ride assist.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.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).
AWhy 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 $62 per month
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Cheapest liability-only car insurance in Kansas City: State Farm
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 $87 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: Monday, January 19 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $62 |
| CSAA | $65 |
| USAA | $68 |
| Root | $68 |
| American Family | $74 |
| Progressive | $77 |
| Auto-Owners | $81 |
| Safeco | $83 |
| Dairyland | $88 |
| Bristol West | $89 |
| National General | $89 |
| GEICO | $95 |
| The General | $103 |
| Travelers | $106 |
| Direct Auto | $113 |
| Allstate | $114 |
| Farmers | $139 |
| Liberty Mutual | $141 |
| Nationwide | $143 |
| Shelter | $171 |
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 $163 for full-coverage insurance. Compare the cheapest full-coverage insurance quotes below.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $110 |
| USAA | $120 |
| American Family | $130 |
| Root | $134 |
| Auto-Owners | $143 |
| Progressive | $153 |
| National General | $153 |
| GEICO | $168 |
| CSAA | $172 |
| Direct Auto | $186 |
| Travelers | $189 |
| Safeco | $189 |
| Allstate | $203 |
| The General | $214 |
| Bristol West | $222 |
| Liberty Mutual | $237 |
| Farmers | $248 |
| Nationwide | $252 |
| Dairyland | $277 |
| Shelter | $301 |
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 $43/mo for liability only and $75/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 January 21, 2026. 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 January 21, 2026. 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 January 21, 2026. 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 January 21, 2026. 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)
|
|
| 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.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
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 $106 per month for liability coverage and $198 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: Monday, January 19 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $62 | $77 |
| CSAA | $65 | $83 |
| USAA | $68 | $86 |
| Root | $68 | $89 |
| American Family | $74 | $94 |
| Progressive | $77 | $94 |
| Auto-Owners | $81 | $104 |
| Safeco | $83 | $108 |
| Dairyland | $88 | $108 |
| Bristol West | $89 | $110 |
| National General | $89 | $109 |
| GEICO | $95 | $122 |
| The General | $103 | $135 |
| Travelers | $106 | $135 |
| Direct Auto | $113 | $139 |
| Allstate | $114 | $146 |
| Farmers | $139 | $175 |
| Liberty Mutual | $141 | $177 |
| Nationwide | $143 | $182 |
| Shelter | $171 | $224 |
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: State Farm
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 $216 per month for full coverage and $115 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: Monday, January 19 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $62 | $82 |
| CSAA | $65 | $93 |
| USAA | $68 | $91 |
| Root | $68 | $90 |
| American Family | $74 | $99 |
| Progressive | $77 | $102 |
| Auto-Owners | $81 | $107 |
| Safeco | $83 | $116 |
| Dairyland | $88 | $116 |
| Bristol West | $89 | $117 |
| National General | $89 | $118 |
| GEICO | $95 | $123 |
| The General | $103 | $141 |
| Travelers | $106 | $142 |
| Direct Auto | $113 | $154 |
| Allstate | $114 | $152 |
| Farmers | $139 | $185 |
| Liberty Mutual | $141 | $188 |
| Nationwide | $143 | $191 |
| Shelter | $171 | $229 |
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: State Farm
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 $106 for liability insurance and $199 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: Monday, January 19 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $62 | $83 |
| CSAA | $65 | $88 |
| USAA | $68 | $92 |
| Root | $68 | $92 |
| American Family | $74 | $100 |
| Progressive | $77 | $94 |
| Auto-Owners | $81 | $109 |
| Safeco | $83 | $121 |
| Dairyland | $88 | $119 |
| Bristol West | $89 | $120 |
| National General | $89 | $120 |
| GEICO | $95 | $126 |
| The General | $103 | $139 |
| Travelers | $106 | $143 |
| Direct Auto | $113 | $152 |
| Allstate | $114 | $154 |
| Farmers | $139 | $187 |
| Liberty Mutual | $141 | $190 |
| Nationwide | $143 | $193 |
| Shelter | $171 | $231 |
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: State Farm
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 $72 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: Monday, January 19 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $85 | $48 |
| USAA | $95 | $54 |
| American Family | $102 | $58 |
| Root | $110 | $56 |
| Auto-Owners | $111 | $63 |
| National General | $118 | $68 |
| Progressive | $126 | $64 |
| GEICO | $131 | $74 |
| CSAA | $133 | $50 |
| Direct Auto | $146 | $89 |
| Travelers | $148 | $83 |
| Allstate | $162 | $91 |
| Safeco | $162 | $71 |
| The General | $175 | $84 |
| Bristol West | $180 | $72 |
| Nationwide | $189 | $107 |
| Farmers | $192 | $108 |
| Liberty Mutual | $193 | $115 |
| Shelter | $210 | $119 |
| Dairyland | $230 | $73 |
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 $177 per month for liability coverage and $332 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: Monday, January 19 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $225 | $127 |
| USAA | $235 | $133 |
| Root | $247 | $126 |
| American Family | $260 | $148 |
| Auto-Owners | $302 | $171 |
| CSAA | $311 | $118 |
| Progressive | $312 | $157 |
| GEICO | $321 | $182 |
| National General | $326 | $190 |
| Direct Auto | $382 | $232 |
| The General | $398 | $192 |
| Safeco | $402 | $177 |
| Travelers | $412 | $231 |
| Bristol West | $421 | $169 |
| Allstate | $425 | $238 |
| Liberty Mutual | $445 | $265 |
| Dairyland | $496 | $158 |
| Farmers | $519 | $291 |
| Nationwide | $521 | $295 |
| Shelter | $634 | $360 |
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.
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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 $99 for liability-only coverage and $175 for full coverage. In Kansas City, average rates are $87 for liability-only coverage and $163 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 $139 per month for full-coverage car insurance and $74 for liability insurance. Meanwhile, drivers in Kansas City pay an average of $87 for liability and $163 for full coverage.
The table below shows that rates in the area outpace those in other Kansas cities.
City | Full Coverage | Liability Only |
|---|---|---|
| Garden City | $168 | $73 |
| Lawrence | $124 | $76 |
| Manhattan | $123 | $71 |
| Topeka | $135 | $75 |
| Wichita | $161 | $88 |
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 $87 per month for liability-only coverage and $163 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 $62, State Farm is the cheapest car insurance company in Kansas City. CSAA and USAA also offer affordable liability coverage, at $65 and $68 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 $74 per month for liability-only coverage and $139 for full-coverage insurance. In Missouri, average rates are higher at $90 per month for liability insurance and $170 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
- 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.
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Sources
- Insurance Information Institute. "Facts + Statistics: Auto theft."
- Kansas Insurance Department. "Auto Insurance."
- NOLO. "Kansas No-Fault Car Insurance."
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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.”
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