Cheapest Car Insurance Quotes in Kansas City, MO (2023)

Kansas City drivers pay an average of $247 per month for car insurance — 8.33% more than the state average of $228. How much you pay depends on various factors, including your coverage level. For example, rates range from $84 per month for minimum-coverage car insurance to $452 for full coverage.

Auto accident claims in Missouri are fault-based, meaning if you’re responsible for causing an accident, you’ll be responsible for paying damages. To help cover the cost of the claim, you must carry at least the minimum amount of liability insurance the state requires.

How much does car insurance cost in Kansas City?

Because a one-size-fits-all policy doesn’t exist, costs can vary widely from one part of the city to the next. Your best option to get affordable car insurance is to compare quotes online to find a policy that matches your needs and budget.

On average, Kansas City drivers pay monthly premiums of $190 for liability-only coverage and $286 for full coverage. An analysis by Insurify data scientists identified the cheapest Kansas City insurance quotes:

• Cheapest liability-only insurance coverage in Kansas City: Travelers

• Cheapest full-coverage insurance in Kansas City: Travelers

• Cheapest insurance for new/young drivers in Kansas City: Kemper Preferred

Learn More: Cheap Car Insurance in Missouri

Cheapest car insurance in Kansas City: Travelers

Hands down, the cheapest insurer in Kansas City is Travelers. The average policy from Travelers is $142 per month. Your cost may be higher or lower, depending on several factors. Location is one factor that significantly influences auto insurance costs.

Here are average monthly quotes for minimum- and full-coverage car insurance in Kansas City.

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists and insurance experts weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

How much car insurance do you need in Kansas City?

Missouri law requires drivers to carry a minimum amount of car insurance coverage. If you buy a liability-only policy, your coverage should meet the minimum requirement for the state. Here’s a breakdown of the liability coverage you’ll need^[1]:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

• $25,000 per accident for property damage

• $25,000 per person for uninsured motorist

• $50,000 per accident for uninsured motorist

Keeping proof of insurance coverage in your car is a legal requirement. You may need to present it if law enforcement requests it, you’re renewing your vehicle registration, or you’re in an accident.

Missouri DMV information

The Department of Revenue is in charge of the Missouri DMV. It services Missouri drivers with driver’s license renewals, motor vehicle titling and registrations, and license plates. You can also find information about insurance requirements and SR-22s.

Learn More: Missouri SR-22 Car Insurance

Tips for getting cheap car insurance in Kansas City

Car insurance is a necessary cost for drivers, but many options exist to help lower your premiums:

• Raise your deductible. Higher deductibles often result in significantly lower premium costs.

• Reduce insurance coverage on your older vehicle. Collision and comprehensive coverage may not be worth the cost for older cars worth less than 10 times the insurance premium, according to the Insurance Information Institute.^[2]

• Bundle your auto coverage with homeowners insurance. Combining policies with the same insurer can save you money.

• Ask about discounts. Many insurers offer discounts for being a safe driver, paying the policy in full, and installing anti-theft or safety equipment.

• Shop around for your car insurance. Comparison shopping for insurance quotes is the easiest and quickest way to find lower insurance rates.

Learn More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Kansas City

Age is one of the most critical factors that determine your car insurance premiums. Younger drivers often pay significantly higher premiums, no matter how safely they drive.

Cheapest car insurance for young drivers in Kansas City

Kemper Preferred has the cheapest car insurance for young drivers in Kansas City, but many companies offer great rates. The table below lists low-cost insurers and the average full-coverage rate for younger drivers. To pay less overall, ask your provider about good student discounts.

Cheapest car insurance for middle-aged drivers in Kansas City

You’ll likely see your insurance premiums drop a bit once you’re older than 25 — especially if you’ve maintained a good driving record. The cheapest car insurance for middle-aged drivers in Kansas City is Kemper Preferred, with an average cost of $130 for full coverage. In the table below, you can see other cheap full-coverage auto policies available to middle-aged drivers. To save money, consider raising your deductible to help lower your insurance costs.

Cheapest car insurance for senior drivers in Kansas City

Seniors generally have the lowest car insurance rates of any age group, although driving infractions can cause premiums to increase even for seniors. Progressive is the cheapest car insurance for senior drivers in Kansas City. It costs an average of $79 per month for full coverage. Travelers and Safeco also offer inexpensive full-coverage car insurance for seniors.

You could reduce your insurance costs if you drive fewer miles per year and avoid accidents or moving violations for more than five years. Here’s a look at average rates for full-coverage insurance for seniors in Kansas City:

How credit scores affect cheap car insurance in Kansas City

Missouri state law allows insurance companies to use credit scoring as a factor in setting car insurance premiums.^[3] The higher your credit score, the lower your rate is likely to be.

An “excellent” credit score generally is 800 or above. If your credit score is 700 or above, it’s “good.” Credit scores for most consumers range from 600 to 750, according to Experian.

Read More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Kansas City

• Cheapest car insurance with an accident in Kansas City: Nationwide

• Cheapest car insurance with a DUI in Kansas City: AssuranceAmerica

• Cheapest car insurance with a speeding ticket in Kansas City: Progressive

Driving habits can significantly affect your car insurance premiums. Insurance companies typically look at these factors when determining your rates. A history of speeding, aggressive driving, or drunk driving can increase your rates, while a clean driving record can lower your cost.

The following tables provide insight into how certain traffic violations can affect car insurance premiums. It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose to not offer policies to drivers with that infraction. Your actual rate can vary, based on a number of factors other than driving record.

Cheapest car insurance with an accident in Kansas City: Nationwide

An accident can increase your car insurance rates, especially if your insurance company had to pay a claim related to the accident. If you’re at fault for the accident, your rates could climb much higher.

The following table provides insight into how an accident could affect your car insurance rates in Kansas City.

Cheapest car insurance with a DUI in Kansas City: Assurance America

Driving under the influence is a serious traffic offense that can have legal, as well as financial, ramifications. Your insurer may even decide not to renew your policy. And many insurers who are happy to cover people with clean records may decline to offer policies at all to drivers with a DUI.

Cheapest car insurance with a speeding ticket in Kansas City: Progressive 

If you receive a speeding ticket, you could end up with fines, points on your license, and a financial penalty in the form of higher insurance rates. The table below illustrates the possible effect of a speeding ticket on insurance premiums for Kansas City drivers.

Car insurance in other Missouri cities

Car insurance rates can vary significantly from city to city within a state since each community has unique driving conditions and populations. Here’s a look at car insurance in other Missouri cities:

• Cheap Auto Insurance Quotes in Columbia, MO

• Cheap Auto Insurance Quotes in Springfield, MO

• Cheap Auto Insurance Quotes in Joplin, MO

• Cheap Auto Insurance Quotes in Jefferson City, MO

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