Cheap Auto Insurance Quotes in Kansas City, MO (2021)

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Big on BBQ, Kansas City has more of these messy but mm-mm-good restaurants per capita than any other city in the U.S. Finding the right one might be hard with so many to choose from.

Good thing figuring out your best auto insurance options doesn’t work that way. Insurance coverage is something you can’t do without. But you don’t have to make an appointment with one agent after another anymore to know which plan is right for your wallet.

Car Insurance in Kansas City, MO

The average cost of Missouri car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Kansas City, MO to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$82
$122
$136
$144
$215
Direct AutoState FarmProgressiveTravelersAmerican Family
Monthly $

Cheapest Car Insurance in Kansas City, MO

Here are the cheapest carriers in Kansas City for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Kansas City, MO

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Kansas City. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$142
$149
$135
$118
$135
$171
MissouriSpringfieldIndependenceColumbiaLees SummitKansas City
Monthly $

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Kansas City, MO Driving Facts

missouri

Minimum Car Insurance Requirements in MO

All motor vehicles operated or parked on Missouri roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Missouri state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Missouri law.

  • $10,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Missouri is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required in Missouri. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Missouri, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury  

Kansas City Car Insurance Rates by Driver Age

Getting older pays off in Kansas City, as drivers here get to enjoy significantly lower car insurance rates as they age. This area’s youngest drivers, those under 20, pay the highest premiums, at an average of $661. They see their rates drop to $352 once they turn 20. Premiums continue to decrease, and while those in their 70s get to enjoy the cheapest rates at $217, prices can jump up to an average of $308 for drivers 80 and older.

Driving History
No Violation$278
Speeding Ticket$342
At-Fault Accident$408
Failure to Stop for Red Light / Stop Sign$335

Kansas City Car Insurance Rates by Driving and Accident History

If you live in Kansas City, your driving history plays more of a role in your car insurance price than you might think. Those with completely clean driving records tend to pay an average of $277 for their coverage, yet something like a speeding ticket will boost prices up to $341. Running a stop sign has a similar effect, bringing rates to $334, but the most impactful event is that of an at-fault accident. Residents here will pay $407 after a collision.

Kansas City Car Insurance Rates by Credit Tier

Unlike other cities, your credit score won’t make a significant difference on your insurance rates in Kansas City. Individuals with poor credit pay the highest, at an average of $326, while motorists in both the average and good tiers can expect to be charged $301 and $300, respectively. The most significant change comes for those with excellent credit, as these drivers pay an average of $248 for their insurance.

Kansas City DMV Information

The Missouri Department of Revenue handles vehicle titling and registration services for the residents of Kansas City. Renewing your license plate online is simple, as long as you have a few things, including a PIN (which is printed on the renewal notice you’ll get from them). They also check to be sure you have paid your property tax. But going online isn’t for everyone. In truth, sometimes we just need to talk to a person, even if that means waiting in line. There are 16 license office locations in or near Kansas City for your convenience. Need to take a driver’s test? In Missouri, that is operated by the Missouri State Highway Patrol.

Public Transportation in Kansas City

RideKC is the name of the public transportation operation in Kansas City. It offers buses, bikesharing, and a free streetcar. Many regional businesses serve as pass outlets where you can pick up maps and schedules and pay for fares and passes. RideKC is a pretty forward-thinking operation and has several apps to make getting around town more pleasurable and accessible to everyone. These include their transit app for real-time trip planning and RideKC Navigator, which offers wayfinding assistance to people with vision impairments.

Conclusion: How to get the best and cheapest car insurance in Kansas City

From BBQ eateries to the world’s largest chess piece outside the World Chess Hall of Fame, it’s obvious that people in this state like to go big. Going all out on auto insurance these days means making sure that the insurance policy that keeps you safe is also one you can be happy with—at least for the next six months.

At Insurify, you can compare dozens of quotes in seconds and see side by side what your cheapest insurance options are. It’s easy to do, and it takes the guesswork out of buying a policy. All the questions you could ever think of to get the best discounts and rates are already programmed into the AI engine. All you have to do is answer them!

Find local Kansas City 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

Insurify Insights: How Kansas City Drivers Measure Up

chevrolet
Chevrolet Malibu
Most Popular Car in
Kansas City, MO
suspended licenses
#6
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Kansas City drivers measure up to their fellow Missouri motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Kansas City

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Kansas City drivers rank 19 in the number of car accidents per driver across all cities in Missouri.

  • Rank within state: #19
  • Percent of drivers in Kansas City with an accident: 9.74%
  • Drivers in Kansas City, MO with an accident in their driving history paid on average 43.98% more than drivers with a clean record

Speeding Kansas City

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Missouri, Kansas City drivers rank 3 in the number of speeding infractions per driver.

  • Rank within state: #3
  • Percent of drivers in Kansas City with a speeding ticket: 13.58%
  • Drivers in Kansas City, MO with a speeding ticket in their driving history paid on average 32.37% more than drivers with a clean record

DUI/DWIs Kansas City

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Kansas City drivers rank 18 in the number of DUI’s per driver across all cities in Missouri.

  • Rank within state: #18
  • Percent of drivers in Kansas City with a DUI: 2.16%
  • Drivers in Kansas City, MO with a DUI in their driving history paid on average 13.69% more than drivers with a clean record

Most Popular Vehicle Kansas City

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Kansas City is the Chevrolet Malibu.

Rude Kansas City

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Missouri, Kansas City drivers rank 3 in rude driving infractions.

  • Rank within state: #3
  • Percent of drivers in Kansas City with a reckless driving violation: 2.32%
  • Drivers in Kansas City, MO with a reckless driving violation in their driving history paid on average 36.51% more than drivers with a clean record.

Safest Drivers Kansas City

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Kansas City drivers rank 9 in clean driving records across all cities in Missouri.

  • Rank within state: #9
  • Percent of drivers in Kansas City with clean record: 77.71%

Failure to Yield the Right of Way Kansas City

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Kansas City drivers rank 3 in failure to yield violations per driver across all cities in Missouri.

  • Rank within state: #3
  • Percent of drivers in Kansas City with a failure to yield violation: 0.66%
  • Drivers in Kansas City, MO with a failure to yield violation in their driving history paid on average 3800% more than drivers with a clean record

Reckless Drivers Kansas City

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Missouri, Kansas City drivers rank 4 in the number of reckless driving offenses per driver.

  • Rank within state: #4
  • Percent of drivers in Kansas City with a reckless driving offense: 0.03%

Hybrid/Electric Vehicle Ownership Kansas City

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Kansas City drivers rank 9 in hybrid and electric vehicle ownership across all cities in Missouri.

  • Rank within state: #9
  • Percent of drivers in Kansas City with a hybrid/electric vehicle: 0.8%

FAQs - Kansas City, MO Car Insurance

How old do you have to be to have a driver’s license in Missouri?

Missouri has a graduated license law, which means that teens will gradually achieve their license after several years by following a series of steps. These steps aim to give teenagers their driving freedoms a little bit at a time so they are readier for the road. At 15 years of age, you can get an instruction permit after passing both a vision and a written test. If you are 16–18 years old, have held an instruction permit for 182 days, and have 40 hours of driving instruction, you can graduate to an intermediate license. An under-21 full license can be issued at age 18 once certain requirements are met.

How does Missouri’s point system work?

As in other states, points are assigned to your driving record depending on the incident or offense. If you are convicted of driving while intoxicated (DWI) in Missouri, for example, you will receive eight points on your record, while running a stop sign will get you two points. If you accumulate a total of four points in 12 months, the Department of Revenue will send you a point accumulation advisory letter. If you accumulate a total of eight or more points in 18 months, the Department of Revenue will suspend your driving privilege. Points are also looked at by insurance companies when determining your rates.

How does the insurance company know who is at fault?

Some cases are more cut and dried than others—especially if the police arrived on scene and were able to file an accident report. Besides using the accident report to determine fault, insurance companies also follow state negligence laws to determine what role each party had in the accident. In Missouri, fault isn’t always one person’s or the other’s. You can actually be assigned a percentage of fault. It’s this percentage that is used by insurance companies to determine claims payouts. This type of system for determining the percentage of fault is called comparative fault.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.