Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Show Me State.
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.
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.
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.
| Cheapest Companies | |
|---|---|
 Direct Auto | $82/mo |
 State Farm | $122/mo |
 Progressive | $136/mo |
 Travelers | $144/mo |
 American Family | $215/mo |
| Best Companies | ||
|---|---|---|
American Family | $244/mo | |
 Safeco | $200/mo | |
 Liberty Mutual | $239/mo | |
Travelers | $145/mo |
Missouri Cities | |
|---|---|
| Springfield | $149/mo |
| Independence | $135/mo |
| Columbia | $118/mo |
| Lees Summit | $135/mo |
| Kansas City | $171/mo |
| Missouri | $142/mo |
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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:
The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:
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.
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:
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.
| Driver's Age | |
|---|---|
| teens | $662 |
| 20s | $353 |
| 30s | $282 |
| 40s | $278 |
| 50s | $239 |
| 60s | $221 |
| 70s | $218 |
| 80s | $309 |
| Driving History | |
|---|---|
| No Violation | $278 |
| Speeding Ticket | $342 |
| At-Fault Accident | $408 |
| Failure to Stop for Red Light / Stop Sign | $335 |
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.
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.
| Credit Tie | |
|---|---|
| Excellent | $249 |
| Good | $301 |
| Average | $302 |
| Poor | $327 |
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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
