120+ more*Quotes generated for Insurify users in and around Kansas City, Missouri within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Kansas City, Missouri within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Kansas City car insurance is more expensive than the average cost of car insurance in Missouri, with drivers paying about $112 per month for state-minimum auto insurance coverage and $209 per month for full coverage.
Kansas City has cheaper insurance rates than St. Louis, though both cities’ rates are significantly higher than the state average. Both have high vehicle theft rates and similar weather risks, but St. Louis has a higher population density.
In contrast, Kansas City’s rates are higher than Joplin’s, which has a lower population density, less traffic, and a shorter average commute of 18 minutes compared to Kansas City’s nearly 22 minutes.
USAA and Progressive have the cheapest liability insurance rates in Kansas City, on average. At $54 and $60, these average monthly rates are lower than the state average of $92 for liability-only coverage and much lower than Kansas City’s average.
Missouri minimum car insurance requirements include $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 for property damage liability.[1] Because Kansas City often experiences severe weather — including between 40 and 60 thunderstorms per year that may include hail, flash floods, and tornadoes — a full-coverage policy including comprehensive coverage and collision is worth considering for peace of mind.[2]
The table below shows the cheapest liability-only and full-coverage quotes in Kansas City.
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Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $54 | $105 |
| Progressive | $60 | $110 |
| State Farm | $63 | $124 |
| Allstate | $86 | $167 |
| Safeco | $86 | $145 |
| National General | $88 | $162 |
| Root | $89 | $165 |
| Clearcover | $91 | $197 |
| GEICO | $94 | $182 |
| Direct Auto | $98 | $181 |
| Bristol West | $101 | $236 |
| American Family | $107 | $210 |
| Dairyland | $109 | $332 |
| The General | $109 | $296 |
| GAINSCO | $119 | $268 |
| Liberty Mutual | $128 | $216 |
| Shelter | $142 | $277 |
| Nationwide | $150 | $293 |
| Auto-Owners | $155 | $304 |
| Travelers | $157 | $305 |
Kansas City car insurance rates are higher than average in Missouri but lower than in St. Louis, despite a high vehicle theft rate. Rates in neighboring Independence, which has a lower population density, are slightly lower than in Kansas City.
The following table shows average monthly insurance quotes in Kansas City and several other Missouri cities.
City | Average Monthly Quote |
|---|---|
| Columbia | $121 |
| Independence | $147 |
| Jefferson City | $111 |
| Joplin | $114 |
| Kansas City | $161 |
| St. Louis | $198 |
| Springfield | $123 |
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With the recent closure of the northbound US-169 bridge, driving in Kansas City has become more difficult. The closure has forced tens of thousands of vehicles each day to use alternate crossings, adding to congestion along the Interstate 70 corridor and the Heart of America and Christopher S. Bond bridges.
It’s important to use caution while traveling near the riverfront, especially near I-70 construction. The riverfront and bridges can be especially treacherous during heavy rains and in snowy conditions.
And if you’re planning to attend a Royals or Chiefs game, be prepared for significant traffic congestion around the Truman Sports Complex on game day.
Meanwhile, Kansas City has expanded the availability of metered indoor and outdoor parking, with nearly 40,000 parking spaces downtown and many parking garages open 24 hours a day.
Your driving history strongly influences your insurance rate. In Kansas City, 4.27% of drivers have an at-fault accident, 4.14% have a speeding ticket, and 0.79% have a driving while intoxicated (DWI) conviction on their record, according to Insurify data.
The DWI conviction rate in Kansas City is slightly higher than the state average of 0.66%, which may be due in part to the Kansas City Police Department’s DUI team. This unit’s primary focus is on identifying impaired drivers, and the team is especially active on weekends and holidays.
Drivers who lose their license after a DWI in Missouri typically need to file an SR-22 for two years as a condition of getting their license back.[3]
The following table shows average monthly quotes by driving record in Kansas City.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $161 |
| Speeding ticket | $199 |
| At-fault accident | $211 |
| DUI | $208 |
In Kansas City, drivers aged 70 and older must renew their licenses every three years instead of every six.
In 2021, nearly 210 people in Missouri died in crashes involving a driver aged 65 or older.[4] Even so, Kansas City seniors pay some of the lowest average rates in the city.
On the other hand, teen driver insurance rates are often at least twice as high as those for drivers aged 50 and up. Part of the reason is teens’ high accident rates.
Drivers between the ages of 16 and 20 make up 6% of the state’s licensed drivers but were in 15% of the state’s fatal crashes in 2023, according to the Kansas City Beacon.
By law, Kansas City schools don’t have to offer driver education. But the state’s Graduated Driver License law requires new drivers ages 15–18 to meet specific requirements before receiving a full driver’s license at age 18.[5]
The following table shows the average monthly rates for Kansas City drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $228 |
| 20s | $160 |
| 30s | $134 |
| 40s | $129 |
| 50s | $115 |
| 60s | $104 |
| 70+ | $105 |
*Quotes generated for Insurify users in and around Kansas City, Missouri within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Kansas City, Missouri within the last 10 days. Last updated on May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
See answers to frequently asked questions below to help you find the best car insurance in Missouri.
Drivers in Kansas City pay an average of $161 per month for their car insurance policy.
USAA has the cheapest liability car insurance in Kansas City, on average, at $54 per month. Progressive also has cheap car insurance, with liability rates well below the state average.
Kansas City has the highest auto theft rate in Missouri, severe weather risks, and a high population density. Kansas City also has a higher rate of drivers with a ticket than the state average.
Car insurance is cheaper in Kansas, on average. Kansas drivers pay an average of $152 per month for full coverage and $78 for liability coverage. In comparison, Missouri drivers pay about $180 per month for full coverage and $92 for liability-only insurance.
For the best rate on your insurance coverage, maintain a clean driving record, park in a more secure location, and install anti-theft devices. You can also bundle your auto insurance policy with home insurance and ask your insurance agent about car insurance discounts. Comparing car insurance quotes for Kansas City policies can help you find the cheapest insurance company.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
7+ years experience in data analysis
Ph.D. in Computational Biology
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