Cheap Auto Insurance Quotes in Kansas City, MO (August 2022)

Minimum Car Insurance Requirements in Missouri

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 be available when:

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

The minimum liability insurance requirements for private passenger vehicles in Missouri^[1] are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Missouri is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorists
• $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Missouri, this coverage is required for bodily injuries.

Kansas City DMV Information

The department of motor vehicles is a government agency that handles different services related to cars and other vehicles, such as vehicle registration and issuing driver’s licenses and ID cards. You can walk in or make an appointment if you need to take a driving test or renew your driver’s license, but many Kansas City DMVs now offer online services as well.

There are multiple DMVs in Kansas City, so you can simply search for the one closest to you. There are no requirements to visit a particular office. In Missouri, the DMV is referred to as the Missouri Department of Revenue. It offers a variety of services, many of which are accessible online, from renewing your license plates to buying or selling your vehicle.

Public Transportation in Kansas City

Kansas City is primarily a driving city. However, it still has a reliable public transportation system that you can use to travel around. There is a local transit system, RideKC, which offers bus rides, bike rides, and a streetcar ride (available downtown only). It is also possible to get around some neighborhoods by foot, but separate neighborhoods are not connected by consistent sidewalks.

If you’re thinking about moving to Kansas City, it’s advisable to invest in purchasing your own vehicle because it is the most convenient way to get around. And to find cheap car insurance in Kansas City, use Insurify.

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

The best way to get the cheapest car insurance in Kansas City is to shop around. Insurify recommends getting at least four quotes from different car insurance providers and then comparing them to figure out which auto insurance company is going to offer you the best premiums, deductibles, and coverage.

However, shopping around for cheap car insurance can get time-consuming. You have to spend hours online or on the phone with different auto insurance companies in Kansas City, answering the same questions about your age, vehicle model, and coverage preferences. Then, you have to manually compare all the different quotes you receive to figure out the cheapest one.

Instead, spend five minutes answering a few basic questions only once on Insurify’s trusted site and instantly compare 20+ personalized quotes from the best auto insurance companies in Kansas City. Compare them side by side right on Insurify’s site and receive suggestions on which coverage is the best and cheapest option for you.