Best Cheap Auto Insurance in Kansas City, Kansas (2024)

Finding the cheapest car insurance in Kansas City, Kansas, is important since drivers here pay some of the highest rates in the state.

Geoff Williams
Written byGeoff Williams
Geoff Williams
Geoff Williams
  • 27+ years writing about personal finance

  • Bylines in numerous notable publications

Geoff is a freelance personal finance journalist and author. He’s been published in top outlets such as The Wall Street Journal and CNN Money.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
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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Updated February 14, 2024 at 7:34 AM PST

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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

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.
4.4
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.
$53/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.
$111/mo

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[1]

  • Offers rideshare insurance

Cons
  • Gap insurance not available

  • Not as many discounts as some competitors

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for military members: USAA

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.
4.3
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.
$46/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

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

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurer for discounts: American 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

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
  • Reputation for good customer service

  • Many discount and coverage options

Cons
  • Available in only 19 states

  • Digital experience not as robust as some competitors

Prices are higher than expected.

Tyrone - October 9, 2023
Verified

They're OK but too expensive.

Sally - July 21, 2023
Verified

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

Pat - February 1, 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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Safeco70
State Auto77
Dairyland79
Midvale Home & Auto80
Liberty Mutual88
National General98
Bristol West101
CSAA112
Direct Auto113
The General120
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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Travelers123
Midvale Home & Auto141
Safeco149
CSAA204
State Auto205
Dairyland206
Liberty Mutual211
National General221
Direct Auto228
The General246
Bristol West266
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.

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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.

CoverageMinimum 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:

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

    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.

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

    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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Midvale Home & Auto194110
Safeco20898
CSAA274150
Dairyland276106
National General289128
Liberty Mutual295123
State Auto297111
Direct Auto312155
The General330161
Bristol West351133
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

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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Midvale Home & Auto210119
Safeco225106
Dairyland290111
CSAA295162
National General309137
Liberty Mutual313130
State Auto315118
Direct Auto331164
The General351171
Bristol West366139
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

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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Midvale Home & Auto232131
Safeco245115
CSAA335184
State Auto337126
Dairyland338130
Direct Auto339168
Liberty Mutual346145
National General363161
The General404197
Bristol West437166
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

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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
CSAA8949
Safeco9444
Liberty Mutual11448
Direct Auto11758
Dairyland11845
National General13761
Bristol West14756
The General15375
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

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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Safeco267125
Midvale Home & Auto268152
Dairyland334128
CSAA339186
Liberty Mutual361151
State Auto367138
The General392191
Direct Auto413205
National General418185
Bristol West441168
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.

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.

CityAverage Monthly QuoteCompared 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.

Sources

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

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

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
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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