7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Cheapest recent rates in Missouri
Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $57/mo for full coverage in Missouri.
*Quotes generated for Insurify users from Missouri within the last 10 days. Last updated on March 14, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 14, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Missouri within the last 10 days. Last updated on March 14, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 14, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
In a city where the local football team is anything but mediocre, car insurance rates are just that: middle of the road. If you’re a driver in Kansas City, Missouri, you’ll spend $194 on liability only and $325 on full coverage per month, on average. That’s a little higher than the national average, but not by much. Drivers in the U.S. pay $170 per month for liability-only coverage and $253 per month for full coverage.
What drives car insurance prices higher in Kansas City, Missouri, is likely its population of more than half a million people. With so many drivers, the risk of an accident goes up. You also might find yourself riding your brakes a lot driving down I-70 or I-29 in rush-hour traffic.
Quick Facts
Kansas City, Missouri, has the third-highest car insurance premiums in the state.
Missouri requires its drivers to have liability insurance in order to drive legally in the state.
The longer you have a safe driving history, the more your monthly premiums could decrease.
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Best car insurance companies in Kansas City
The best car insurance companies in Kansas City aren’t the same for everyone. Whether an insurer is a good fit for you or not will often depend on your driving record — and what you’re looking for in an insurer. For instance, some insurers specialize in offering cheap car insurance rates, while you might be more concerned about having the best coverage you can get.
The best way to find the right insurer for you is to compare quotes. In Kansas City, it’s a good idea to start with quotes from the following three insurers.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$35/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$69/mo
USAA car insurance has been around since 1922, and it exclusively serves active military members, veterans, and their families. USAA is known for car insurance, but the company also sells many other insurance products, such as homeowners and life insurance. USAA is available in all 50 states.
Pros
Affordable rates for all types of drivers
Rewards safe driving with SafePilot program
Variety of discounts, including those for bundling, good students, and enrolling in automatic payments
Cons
Only available to active military members, veterans, and their families
Gap insurance not available
No 24/7 phone support
They have stopped thinking about how today's financial strain is impacting their customers.
Darcy - November 26, 2023
Verified
Not satisfied with price hike even after lowering coverage.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$42/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$81/mo
State Farm got its start in 1922. Today, it offers about 100 different insurance products to customers. State Farm is available in all 50 states and is the largest insurance company in the United States by market share.
Pros
Longstanding history selling car insurance
Strongest A.M. Best financial strength rating of A++ (Superior)
Offers rideshare insurance
Cons
Higher rates if you have poor credit
Gap insurance not available
Not as many discounts as some competitors
I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$57/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$110/mo
Allstate was founded in 1931 by store executives who worked at Sears, and the company was part of Sears until 1995. Today, Allstate is available in all 50 states and in countries around the world. Allstate is known for its car insurance but also offers homeowners insurance, life insurance, and retirement products.
Pros
A.M. Best financial strength rating of A+ (Superior) [1]
Offers traditional car insurance, as well as pay-per-mile coverage
Cheapest liability-only car insurance in Kansas City
Liability-only car insurance shields you financially if you’re involved in an at-fault accident. If you damage another person’s car, or the other driver and passengers are hurt, your insurance would pay for the repairs and hospital bills. If you’re injured, or your own car is damaged, your liability insurance wouldn’t pay for those expenses.
As such, liability-only policies are generally among the most affordable, and you can see a collection of average quotes below from top insurers in Kansas City.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Kansas City
Liability-only insurance covers the expenses of other cars, drivers, and passengers in an accident you cause. Full-coverage car insurance provides this same coverage and also covers any damage or hospital expenses that involve you, your passengers, and your vehicle. You may want to have full-coverage car insurance if you have an expensive car or if you’d find it financially challenging to replace or repair your car if it was wrecked.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Missouri
In order to drive legally in Missouri, you need to have at least a liability-only coverage car insurance policy. When you register or renew your license plates, you’ll need to show proof of coverage.
You also need to have proof of insurance in your vehicle at all times. If you’re pulled over and can’t prove you’re insured, you may get a ticket, according to the Missouri Department of Revenue.[3]
The table below spells out the minimum requirements you’ll need for your car insurance coverage in Missouri.
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Uninsured motorist coverage
$25,000 for bodily injury per person
$50,000 for bodily injury per accident
If you want coverage that exceeds the minimum requirements in Kansas City, you could choose from the following options:
Comprehensive coverage
This insurance covers you if there’s damage to your vehicle that may not be related to an accident. For instance, if your car is stolen or if it catches on fire, your insurance would pay for repairs or for it to be replaced.
Collision coverage
Collision coverage repairs your vehicle when it’s damaged by another vehicle or an object, such as a tree or building.
Uninsured/underinsured motorist coverage
This pays for your hospital bills if you’re in an accident and the other driver is at fault but either isn’t carrying insurance or is underinsured.
Cheapest car insurance for drivers with an incident
If you have an at-fault incident on your record, such as an at-fault accident, speeding ticket, or a DUI, it’ll generally result in higher premiums. However, each incident type can affect your rates in different ways. In the sections that follow, you’ll see the average monthly quotes you can expect based on which incident types appear on your record.
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Cheapest car insurance for drivers with a speeding ticket
Missouri is known for monitoring speeding aggressively and passed a law in May 2023 forbidding handheld cell phone use while driving. You’ll certainly want to monitor your speed in the Show-Me State.
Here you can see how a speeding ticket affects your rates.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
If you have an at-fault accident on your record, it’ll likely elevate your premiums. The good news is that if you go a few years without another accident, your rates will eventually drop.
Here’s a list of average monthly rates for drivers in Kansas City with an at-fault accident on their record.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
A DUI can cause insurance premiums to skyrocket, and some insurers may drop you altogether. Fortunately, some companies specialize in insuring drivers with a DUI. Here, you can see a collection of average monthly quotes in Kansas City for drivers with a DUI.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Insurers calculate premiums for auto policies by looking at many different factors, and your age is one of them. If you’re 75 or older, you’ll notice that your premiums may increase. It may be unfair to you specifically, but statistics show that drivers have more driving incidents as they age. If you’re a senior, the table below shows what you’d pay each month, on average, for your insurance premiums in Kansas City.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Many teenage drivers are conscientious, careful drivers who take safety seriously, but they don’t have much experience driving, and inexperience can lead to errors. As such, insurers charge higher premiums for this age group.
Fortunately, you have ways to lower your insurance costs. For instance, driving a type of car that insurers consider particularly safe might allow for lower rates. Insurers also often charge lower premiums when a teenager stays on their parents’ policy than if a teen driver has their own car insurance policy. Good grades can also land you a student discount.
If you’re a teen driver living in Kansas City, or you have a teen driver, this table shows what you’d pay each month, on average, for car insurance.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get the cheapest car insurance in Kansas City
You’ll need to comparison shop to find cheap auto insurance rates in Kansas City, and the quotes you receive will depend on your driving history, age, credit history, marital status, and type of car you drive.
No matter the quotes you receive, you can also lower your car insurance by doing the following:
Opt for liability-only coverage. Liability-only coverage means that you (not the insurance company) are on the hook to pay for your own damages and medical bills if you’re in an accident determined to be your fault. As such, because the insurer is assuming less risk, the premiums you pay will be lower than for full-coverage insurance.
Raise your deductible. A higher deductible means you’re assuming more of the up-front risk, so you’ll pay a lower premium. While this may seem appealing, be sure you don’t set your deductible so high you can’t afford to pay it if you need to file a claim.
Inquire about discounts. You should always ask your insurance agent periodically if they can steer you to any discounts that will bring your rates down. Discount opportunities change, so check regularly what discounts you may qualify for.
Find Cheap Car Insurance in Kansas City, Missouri
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Kansas City car insurance quotes by credit tier
As with many states across the country, Missouri allows insurers to consider credit scores. Fair or not, insurers have determined that a person’s credit score is often an indicator of how safe of a driver they are. So, drivers who have excellent or good credit scores tend to pay much lower insurance premiums than drivers with poor credit scores.
The chart below shows how credit scores can affect drivers’ insurance premiums in Kansas City.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Kansas City?
Yes. It’s more expensive to pay for auto policies in Kansas City, Missouri, than in many other parts of the country. The U.S. national average is $170 a month for liability-only coverage and $253 for full coverage. In Kansas City, you’ll pay more. On average, you’ll pay $194 for liability-only coverage and $325 for full coverage.
More cities in Missouri
How does car insurance in Kansas City, Missouri, measure up against other cities in Missouri? The table below should give you an idea. On average, drivers pay $341 a month for full-coverage car insurance in Kansas City.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Kansas City car insurance FAQs
If you have more questions about securing the best car insurance in Kansas City, the information presented below can help.
How much is car insurance in Kansas City?
In Kansas City, you’ll pay $194 for liability-only coverage and $325 for full coverage, on average. This rate is slightly higher than the national average and more expensive than the rates paid in other Missouri cities, like Columbia and Springfield.
What are the best car insurance companies in Kansas City?
USAA, State Farm, and Allstate rank as thetop insurance companies in Kansas City. Each offers affordable rates and is recognized for its financial stability or discount offerings. In addition, each company has high Insurify Quality (IQ) Scores, at 4.3, 4.4, and 4.1, respectively.
Is car insurance cheaper in Kansas or Missouri?
On average, Kansas residents pay $122 per month for liability-only coverage and $229 for full coverage. This is cheaper than Missouri’s state averages of $171 for liability-only coverage and $294 for full coverage.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Geoff Williams is a freelance journalist who has written personal finance articles for most of his career and for numerous publications, including U.S. News & World Report, The Wall Street Journal, Bankrate, CNNMoney.com and Forbes.com. He is also the author of several books, including “C.C. Pyle’s Amazing Foot Race” and “Washed Away,” and writes a classic TV blog called “The TV Professor.”
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.