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Cheapest Car Insurance Quotes in Kansas City, MO (2022)
Travelers, Kemper Preferred, and Clearcover offer the cheapest full-coverage insurance in Kansas City.
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Amy Beardsley
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Updated December 6, 2022
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.
| Insurance Company | Insurify Composite Score (ICS) | Liability Only | Full Coverage |
|---|---|---|---|
| Travelers | 80 | $90 | $150 |
| Kemper Preferred | N/A | $91 | $156 |
| Clearcover | 97 | $137 | $168 |
| Traders | N/A | $152 | $182 |
| Safeco | 86 | $113 | $193 |
| Progressive | N/A | $134 | $207 |
| Acuity | N/A | $99 | $229 |
| Farmers GroupSelect | N/A | $106 | $233 |
| State Auto | 76 | $125 | $233 |
| Midvale Home & Auto | N/A | $142 | $235 |
| Direct Auto | N/A | $171 | $235 |
| Liberty Mutual | 82 | $150 | $243 |
| Nationwide | 89 | $183 | $266 |
| GAINSCO | N/A | $211 | $282 |
| The General | N/A | $250 | $312 |
| Kemper | N/A | $148 | $315 |
| Dairyland | N/A | $178 | $316 |
| Kemper Specialty | N/A | $156 | $318 |
| AssuranceAmerica | N/A | $250 | $382 |
| Bristol West | N/A | $236 | $417 |
| Stillwater | N/A | $84 | $452 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
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.
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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.
| Age Group | Average Monthly Rate |
|---|---|
| Teens | $693 |
| Under 25 | $406 |
| 25–29 | $309 |
| 30s | $256 |
| 40s | $266 |
| 50s | $247 |
| 60s | $219 |
| 70s | $180 |
| 80+ | $189 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Cheapest car insurance for young drivers in Kansas City
Kemper Preferred has the cheapest car insurance for young drivers in Kansas City. However, 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.
| Insurance Company | Average Monthly Rate |
|---|---|
| Travelers | $171 |
| Safeco | $198 |
| Progressive | $219 |
| Nationwide | $307 |
| Liberty Mutual | $327 |
| Kemper Preferred | $154 |
| Stillwater | $159 |
| Clearcover | $212 |
| Traders | $228 |
| Direct Auto | $311 |
| Midvale Home & Auto | $328 |
| Farmers GroupSelect | $343 |
| Kemper | $361 |
| State Auto | $376 |
| Dairyland | $398 |
| AssuranceAmerica | $472 |
| Kemper Specialty | $478 |
| The General | $545 |
| Bristol West | $585 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
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.
| Insurance Company | Average Monthly Rate |
|---|---|
| Travelers | $140 |
| Nationwide | $143 |
| Safeco | $152 |
| Progressive | $153 |
| Liberty Mutual | $213 |
| Kemper Preferred | $130 |
| Clearcover | $155 |
| Direct Auto | $179 |
| Traders | $180 |
| Farmers GroupSelect | $201 |
| Midvale Home & Auto | $216 |
| State Auto | $265 |
| The General | $286 |
| Kemper | $289 |
| Kemper Specialty | $290 |
| AssuranceAmerica | $300 |
| Dairyland | $303 |
| Bristol West | $397 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
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:
| Insurance Company | Average Monthly Rate |
|---|---|
| Progressive | $79 |
| Travelers | $91 |
| Safeco | $115 |
| Nationwide | $124 |
| Liberty Mutual | $174 |
| Traders | $138 |
| Clearcover | $139 |
| Direct Auto | $144 |
| Kemper | $144 |
| State Auto | $185 |
| Kemper Specialty | $222 |
| Assuranceamerica | $237 |
| Farmers GroupSelect | $249 |
| Dairyland | $253 |
| The General | $278 |
| Bristol West | $352 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
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.
| Credit Tier | Average Monthly Quote |
|---|---|
| Excellent | $221 |
| Good | $292 |
| Fair | $329 |
| Poor | $331 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
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.
| Car Insurance Company | Clean Record | With an Accident | Difference |
|---|---|---|---|
| ABC Insurance | $100 | $200 | +$100 |
| Kemper Preferred | $141 | $148 | +$7 |
| Travelers | $141 | $158 | +$17 |
| Safeco | $154 | $139 | -$15 |
| Clearcover | $155 | $208 | -$53 |
| Nationwide | $158 | $96 | -$62 |
| Stillwater | $159 | N/A | N/A |
| Traders | $166 | $198 | +$32 |
| Progressive | $177 | $210 | +$33 |
| Farmers GroupSelect | $200 | $179 | -$21 |
| Direct Auto | $210 | $268 | +$58 |
| Midvale Home & Auto | $212 | $347 | +$135 |
| Liberty Mutual | $239 | $282 | +$43 |
| State Auto | $249 | $349 | +$100 |
| Kemper | $313 | $323 | +$10 |
| Dairyland | $323 | $419 | +$96 |
| The General | $326 | $452 | +$126 |
| AssuranceAmerica | $339 | $343 | +$4 |
| Kemper Specialty | $340 | $428 | +$88 |
| Bristol West | $415 | $487 | +$72 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
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.
| Car Insurance Company | Clean Record | With a DUI | Difference |
|---|---|---|---|
| ABC Insurance | $100 | $300 | +200 |
| Kemper Preferred | $141 | N/A | N/A |
| Travelers | $141 | $185 | +$44 |
| Safeco | $154 | N/A | N/A |
| Clearcover | $155 | N/A | N/A |
| Nationwide | $158 | $258 | +$100 |
| Stillwater | $159 | N/A | N/A |
| Traders | $166 | N/A | N/A |
| Progressive | $177 | N/A | N/A |
| Farmers GroupSelect | $200 | N/A | N/A |
| Direct Auto | $210 | $250 | +$40 |
| Midvale Home & Auto | $212 | $620 | +$408 |
| Liberty Mutual | $239 | $138 | -$101 |
| State Auto | $249 | N/A | N/A |
| Kemper | $313 | N/A | N/A |
| Dairyland | $323 | $425 | +$102 |
| The General | $326 | $554 | +$228 |
| AssuranceAmerica | $339 | $128 | -$211 |
| Kemper Specialty | $340 | $361 | +$21 |
| Bristol West | $415 | $444 | +$29 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
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 Company | Clean Record | With a Speeding Ticket | Difference |
|---|---|---|---|
| ABC Insurance | $100 | $150 | +$50 |
| Kemper Preferred | $141 | $150 | +$9 |
| Travelers | $141 | $138 | -$3 |
| Safeco | $154 | $187 | +$33 |
| Clearcover | $155 | $163 | +$8 |
| Nationwide | $158 | $402 | +$244 |
| Stillwater | $159 | N/A | N/A |
| Traders | $166 | $347 | +$181 |
| Progressive | $177 | $110 | -$67 |
| Farmers GroupSelect | $200 | $418 | +$218 |
| Direct Auto | $210 | $262 | +$52 |
| Midvale Home & Auto | $212 | $275 | +$63 |
| Liberty Mutual | $239 | $262 | +$23 |
| State Auto | $249 | $366 | +$117 |
| Kemper | $313 | $292 | -$21 |
| Dairyland | $323 | $396 | +$73 |
| The General | $326 | $365 | +$39 |
| AssuranceAmerica | $339 | $432 | +$93 |
| Kemper Specialty | $340 | $359 | +$19 |
| Bristol West | $415 | $528 | +$113 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
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:
Find local Kansas City, Missouri agents
Carpenter & Company
8301 State Line Rd Ste Ga,
Kansas City, MO 64114Cowell James Forge Insurance Group
10525 N Ambassador Dr Ste 301,
Kansas City, MO 64153Banuelos Insurance Agency
536 Benton Blvd,
KANSAS CITY, MO 64124-1946William Henry Agency
1001 Locust Street,
Kansas City, MO 64106-2423Mylo
8880 Ward Parkway Ste 200,
Kansas City, MO 64114The Miller Group
903 E 104th Street Ste 800,
Kansas City, MO 64131Lockton Companies
444 W 47 St Ste 900,
Kansas City, MO 64112-1906Medical Liability Experts
4509 NE 91st Street,
Kansas City, MO 64156Precision Benefits
700 W 31st St Ste 702,
Kansas City, MO 64108-3628ARA Insurance Services
102 NW Parkway Rd,
Kansas City, MO 64150-9560
Kansas City car insurance rates FAQs
The high rate of accidents in Kansas City is a significant factor in the high cost of car insurance. The city ranks second in Missouri for accidents, right behind St. Louis, according to the Missouri State Highway Patrol.
But your personal driving record can also play a role. Speeding tickets, DUIs, accidents, and other traffic violations drive up auto insurance rates. Practice safe driving to reduce the number of traffic incidents and help you get lower rates.
The insurance agency with the cheapest car insurance in Missouri depends on your age and the type of coverage you need. Kemper Preferred has the lowest rates for younger and middle-aged drivers. Seniors can typically find the best rate from Progressive.
Overall, Travelers has the cheapest average cost of car insurance, whether you’re looking for full coverage or a liability-only policy. But rates can vary significantly, which is why shopping around to compare rates is crucial to help you get the best price.
Driving without a license is a severe offense in Kansas City. The state could charge you with a Class D misdemeanor and fine you up to $500. The second time, you could be guilty of a Class A misdemeanor, which carries a fine of up to $2,000. For your third charge and beyond, you’ll face felony charges, with a maximum $10,000 fine and four years in prison.
You could ask your family and friends for recommendations on the cheapest car insurance in Kansas City, but that may not give you the best results. Because driver needs are so different, comparison shopping using an online comparison site is the quickest and easiest way to find the cheapest car insurance.
Kansas City, Kansas, and Kansas City, Missouri, make up the Kansas City Metropolitan area but are two separate cities. As such, different state laws, accident rates, and driver data can affect how much you pay. On average, Kansas car insurance is $214 per month, while Missouri is $228 — making Kansas cheaper by $14 per month or $168 per year.
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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Sources
- Missouri Department of Revenue. "Insurance information." Accessed December 6, 2022
- Insurance Information Institute. "How to save money on car insurance." Accessed December 6, 2022
- Missouri Department of Insurance. "Credit history and insurance FAQs." Accessed December 6, 2022
