Kansas City is Kansas’ third most-populous city but the most expensive for car insurance. Fortunately, State Farm, USAA, and American Family boast some of the cheapest car insurance policies around, with rates quite a bit lower than the state’s monthly average.

In Kansas City, your average payment will be about $270 a month for full-coverage car insurance and $144 for liability only. But it’s possible to find insurance that costs less. Here’s how to find the best car insurance rates and coverage for you in Kansas City.

Quick Facts

Average rates in Kansas mirror the national average and are significantly less than in neighboring Missouri.
Overland Park offers insurance premiums that are 11% cheaper than in Kansas City.
The average yearly cost of car insurance in Kansas City, Kansas, is $3,240 for full coverage and $1,728 for liability only.

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Best 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 trio below.

Best insurer for low rates: State Farm

low ratesState Farm

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	842
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.	$51/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.	$108/mo

Overview

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 and cons

Pros

A++ (Superior) AM Best financial strength rating^[1]
Offers rideshare insurance

Cons

Gap insurance not available
Not as many discounts as some competitors

Reviews

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023

Verified

Premiums jump every six months

Kenneth - January 31, 2023

Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023

Verified

Read our State Farm review

Best insurer for military members: USAA

military membersUSAA

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	880
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.	$98/mo

Overview

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 and cons

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

Reviews

The representative was very helpful and caring. I felt valued.

Tawana - January 17, 2023

Verified

I have been a member for 14 years. They have always delivered excellent customer care anytime I needed to reach out to them for any reason, whether it was to resolve an issue or assist me with an application for one of the many services and products they offer.

Christina - January 17, 2023

Verified

Exceptional customer service

Anthony - January 15, 2023

Verified

Read our USAA review

Best insurer for discounts: American Family

discountsAmerican Family

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.2
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	840
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.	$76/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.	$171/mo

Overview

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 its auto insurance solutions provide the opportunity for several discounts, including multi-vehicle, defensive driving, low mileage, and more.

Pros and cons

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

Reviews

They are nice people to do business with, just kind of expensive

Pat - February 1, 2023

Verified

Too expensive with terrible customer service

Urga - January 21, 2023

Verified

They have treated me really well.

Craig - January 7, 2023

Verified

Read our American Family review

Cheapest liability-only car insurance in Kansas City

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.

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, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Safeco	72
State Auto	73
Dairyland	80
Midvale Home & Auto	85
Liberty Mutual	92
Bristol West	98
CSAA	112
Direct Auto	114
The General	124

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

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.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Travelers	123
Midvale Home & Auto	152
Safeco	153
Dairyland	206
CSAA	208
State Auto	208
Liberty Mutual	218
Direct Auto	229
The General	246
Bristol West	256

Estimate your Kansas City car insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 35%

I’m a homeowner

Save 5%

I’m married

Save 24%

I have multiple cars

Save 39%

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 insures 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

This 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

This 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 individual incident types can affect your insurance rates.

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Cheapest car insurance for drivers with a speeding ticket

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.

You can see average monthly quotes for Kansas City drivers with a speeding ticket below.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Midvale Home & Auto	216	121
Safeco	217	102
Dairyland	292	113
CSAA	295	159
State Auto	295	104
Liberty Mutual	309	130
Direct Auto	325	162
The General	349	176
Bristol West	363	139

Cheapest car insurance for drivers with an at-fault accident

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.

Here, you can see how an at-fault accident can affect your monthly rates.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Midvale Home & Auto	233	130
Safeco	235	110
Dairyland	316	123
CSAA	319	172
State Auto	319	112
Liberty Mutual	334	141
Direct Auto	351	175
The General	377	190
Bristol West	393	150

Cheapest car insurance for drivers with a DUI

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.

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, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Midvale Home & Auto	263	147
Safeco	265	125
Dairyland	357	139
CSAA	361	194
State Auto	361	127
Liberty Mutual	378	159
Direct Auto	397	198
The General	426	215
Bristol West	444	170

Cheapest car insurance for seniors

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

If you’re 75 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.

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, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Midvale Home & Auto	68	38
Safeco	68	32
CSAA	92	50
Dairyland	92	36
State Auto	92	32
Liberty Mutual	97	41
Direct Auto	102	51
The General	109	55
Bristol West	114	44

Cheapest car insurance for teens

Many teenagers are excellent drivers, and some young adults may be better than some seasoned drivers who are complacent behind the wheel. However, 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.

This table shows what teen drivers can expect to pay for insurance in Kansas City.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Midvale Home & Auto	275	154
Safeco	276	130
Dairyland	372	144
CSAA	376	202
State Auto	376	132
Liberty Mutual	394	166
Direct Auto	414	206
The General	444	224
Bristol West	462	177

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. However, 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

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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 score 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’ insurance premiums are affected by their credit scores. As you’ll see, premiums go up significantly the lower your credit score 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 $170 for liability-only coverage and $253 for full coverage. In Kansas City, average rates are $144 for liability-only coverage and $270 for full coverage.

Why is Kansas City higher for full coverage and less for liability? Some of that likely has to do with cars getting more expensive to insure, as cars add more computer components and many motorists make the switch to pricey electric vehicles.^[3]

More cities in Kansas

How does car insurance in Kansas City measure up against other cities across the state? The table below shows that rates in the area outpace those in other Kansas cities.

On average, Kansas drivers pay $229 a month for full-coverage car insurance. Meanwhile, drivers in Kansas City pay an average of $270 for full coverage.

City	Average Monthly Quote	Compared to Kansas City
Overland Park	$238	-12%
Topeka	$205	-24%
Wichita	$251	-7%

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?
Car insurance rates in Kansas City are tops in the state, averaging $144 for liability-only coverage and $270 for full coverage. However, while these rates are tops in Kansas, they still fall close to the national average.
What are the best car insurance companies in Kansas City?
In addition to offering low rates, State Farm, USAA, and American Family rank as the top insurers in Kansas City. Each insurer has a commendable Insurify Quality (IQ) Score, with State Farm scoring a 4.4, USAA a 4.3, and American Family a 4.1. In addition, each insurer is also recognized for its financial stability, customer service, and discount offerings.
Is car insurance cheaper in Kansas or Missouri?
Car insurance is cheaper in Kansas, on average. According to Insurify data, drivers in Kansas pay $122 for liability-only coverage and $229 for full coverage. In Missouri, rates climb to $171 and $294, respectively.
Is Kansas a no-fault state?
Yes. Kansas is a no-fault state. 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.

More cities in Kansas

Popular cities

Sources

AM Best. "AM Best Affirms Credit Ratings of State Farm Mutual Automobile Insurance Company and Most of Its Subsidiaries." Accessed August 8, 2023
Kansas Insurance Department. "Auto Insurance." Accessed August 9, 2023
The New York Times. "Why Car Repairs Have Become So Expensive." Accessed August 9, 2023

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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Edited byChris SchaferSenior Editor

Chris SchaferSenior Editor

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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Table of contents

Table of contentsCompare quotes

Find Car Insurance in Kansas City, Kansas

Best car insurance companies in Kansas City

Best insurer for low rates: State Farm

low ratesState Farm

Best insurer for military members: USAA

military membersUSAA

Best insurer for discounts: American Family

discountsAmerican Family

Cheapest liability-only car insurance in Kansas City

Cheapest full-coverage car insurance in Kansas City

Estimate your Kansas City car insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Kansas

Collision coverage

Comprehensive coverage

Cheapest car insurance for drivers with an incident

Shop for Car Insurance in Kansas City, KS

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Kansas City

Find Car Insurance in Kansas City, Kansas

Kansas City car insurance quotes by credit tier

Rates by Credit Tier

Is car insurance more expensive in Kansas City?

More cities in Kansas

Kansas City car insurance FAQs

Methodology

Related articles

More cities in Kansas

Popular cities

Sources

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