4.8out of 3,000+ reviews

Cheapest Car Insurance Quotes in Kansas City, MO (2022)

Travelers, Kemper Preferred, and Clearcover offer the cheapest full-coverage insurance in Kansas City.

Secure. Free. Easy-to-use.
auto insurance

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Amy Beardsley
Written by
Amy Beardsley
Photo of an Insurify author
Written by
Amy Beardsley
Insurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Evelyn Pimplaskar
Edited by
Evelyn Pimplaskar
Headshot of Evelyn Pimplaskar, Director of Content at Insurify
Edited by
Evelyn Pimplaskar
Editor-in-Chief, Director of Content
Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.Prior to joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative, and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as Credit Karma’s tax editor, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.
Amber Benka
Reviewed by
Amber Benka
Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

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 CompanyInsurify Composite Score (ICS)Liability OnlyFull Coverage
Travelers80$90$150
Kemper PreferredN/A$91$156
Clearcover97$137$168
TradersN/A$152$182
Safeco86$113$193
ProgressiveN/A$134$207
AcuityN/A$99$229
Farmers GroupSelectN/A$106$233
State Auto76$125$233
Midvale Home & AutoN/A$142$235
Direct AutoN/A$171$235
Liberty Mutual82$150$243
Nationwide89$183$266
GAINSCON/A$211$282
The GeneralN/A$250$312
KemperN/A$148$315
DairylandN/A$178$316
Kemper SpecialtyN/A$156$318
AssuranceAmericaN/A$250$382
Bristol WestN/A$236$417
StillwaterN/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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.

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 GroupAverage 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 CompanyAverage 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 CompanyAverage 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 CompanyAverage 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 TierAverage 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 CompanyClean RecordWith an AccidentDifference
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$159N/AN/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 CompanyClean RecordWith a DUIDifference
ABC Insurance$100$300+200
Kemper Preferred$141N/AN/A
Travelers$141$185+$44
Safeco$154N/AN/A
Clearcover$155N/AN/A
Nationwide$158$258+$100
Stillwater$159N/AN/A
Traders$166N/AN/A
Progressive$177N/AN/A
Farmers GroupSelect$200N/AN/A
Direct Auto$210$250+$40
Midvale Home & Auto$212$620+$408
Liberty Mutual$239$138-$101
State Auto$249N/AN/A
Kemper$313N/AN/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 CompanyClean RecordWith a Speeding TicketDifference
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$159N/AN/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 64114
  • Cowell James Forge Insurance Group 

    10525 N Ambassador Dr Ste 301,
    Kansas City, MO 64153
  • Banuelos Insurance Agency 

    536 Benton Blvd,
    KANSAS CITY, MO 64124-1946
  • William Henry Agency 

    1001 Locust Street,
    Kansas City, MO 64106-2423
  • Mylo 

    8880 Ward Parkway Ste 200,
    Kansas City, MO 64114
  • The Miller Group 

    903 E 104th Street Ste 800,
    Kansas City, MO 64131
  • Lockton Companies 

    444 W 47 St Ste 900,
    Kansas City, MO 64112-1906
  • Medical Liability Experts 

    4509 NE 91st Street,
    Kansas City, MO 64156
  • Precision Benefits 

    700 W 31st St Ste 702,
    Kansas City, MO 64108-3628
  • ARA Insurance Services 

    102 NW Parkway Rd,
    Kansas City, MO 64150-9560
View more

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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
  • 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

  1. Missouri Department of Revenue. "Insurance information." Accessed December 6, 2022
  2. Insurance Information Institute. "How to save money on car insurance." Accessed December 6, 2022
  3. Missouri Department of Insurance. "Credit history and insurance FAQs." Accessed December 6, 2022
Amy Beardsley
Written by
Amy Beardsley
Linkedin

Insurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Learn More
Evelyn Pimplaskar
Edited by
Evelyn Pimplaskar
Linkedin

Editor-in-Chief, Director of Content

Headshot of Evelyn Pimplaskar, Director of Content at Insurify
Edited by
Evelyn Pimplaskar
Editor-in-Chief, Director of Content
Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.Prior to joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative, and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as Credit Karma’s tax editor, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.