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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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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 an average of $178 per month on car insurance. That’s a bit higher than the national average of $152.
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 Interstates 70 and 29 in rush-hour traffic.
Here’s what you should know about comparing quotes and finding affordable coverage in Kansas City.
USAA, State Farm, and Allstate have the cheapest car insurance in Kansas City.
Liability insurance in Kansas City costs an average of $128 per month, and full coverage costs $227 per month.
Kansas City, Missouri, has some of the highest car insurance premiums in the state.
3 of the cheapest 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 example, 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.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
---|---|---|---|---|
USAA | 9.4 | $56 | $29 | Military members |
State Farm | 9.3 | $66 | $35 | Stability |
Allstate | 8.9 | $90 | $47 | Discounts |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for military members: USAA
User Reviews | 4.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
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. | $67/mo |
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Anthony
February 10, 2025
I Like USAA
Dianne
February 9, 2025
Poor
Kevin
February 1, 2025
USAA is More Than an Insurance Company
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.
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
Only available to active military members, veterans, and their families
Gap insurance not available
No 24/7 phone support
Best insurer for stability: State Farm
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
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. | $79/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Lynne
February 10, 2025
State Farm Insurance Review
Stephen
February 10, 2025
No Loyalty Discounts for Existing Customers
Nina
February 10, 2025
The Truth Hurts
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.
Longstanding history of selling car insurance
Strongest AM Best financial strength rating of A++ (Superior)
Offers rideshare insurance
Higher rates if you have poor credit
Gap insurance not available
Not as many discounts as some competitors
Best insurer for discounts: Allstate
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
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. | $107/mo |
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
Elias
February 10, 2025
Fast Service on Claim
David
February 10, 2025
Having Trouble Affording Your High Rates
Michael
February 6, 2025
Excellent Customer Service from Zoe Chambers
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.
AM Best financial strength rating of A+ (Superior) [1]
Offers traditional car insurance, as well as pay-per-mile coverage
Many available discounts
Reviews suggest low customer satisfaction[2]
Many extra protections, such as accident forgiveness, but the cost of those extra add-ons may be too much for some drivers
Higher rates than some competitors
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.
Ask about discounts. You should always ask your insurance agent periodically if they can steer you to any discounts that’ll bring your rates down. Discount opportunities change, so check regularly what discounts you may qualify for.
Cheapest liability-only car insurance in Kansas City: USAA
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 won’t pay for those expenses.
Liability-only policies in Kansas City, Missouri, cost an average of $128 per month. You can see a collection of average quotes below from top insurers in Kansas City.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
USAA | $35 |
State Farm | $42 |
Allstate | $57 |
GEICO | $61 |
American Family | $71 |
Clearcover | $84 |
Progressive | $85 |
Root | $94 |
Shelter | $94 |
Nationwide | $99 |
Auto-Owners | $102 |
Travelers | $103 |
Direct Auto | $109 |
Safeco | $109 |
National General | $117 |
Dairyland | $146 |
Bristol West | $148 |
GAINSCO | $155 |
The General | $160 |
Liberty Mutual | $186 |
Foremost | $188 |
Cheapest full-coverage car insurance in Kansas City: USAA
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.
Kansas City, Missouri, drivers pay an average of $227 per month for full-coverage auto insurance.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
USAA | $67 |
State Farm | $79 |
Allstate | $107 |
GEICO | $117 |
American Family | $134 |
Progressive | $162 |
Clearcover | $176 |
Shelter | $177 |
Root | $186 |
Safeco | $186 |
Nationwide | $188 |
Auto-Owners | $195 |
Travelers | $196 |
Direct Auto | $215 |
National General | $237 |
Liberty Mutual | $340 |
The General | $367 |
GAINSCO | $379 |
Bristol West | $384 |
Foremost | $408 |
Dairyland | $451 |
Cheapest recent rates near Kansas City, Missouri
Recent Kansas City, Missouri car insurance prices for Honda, Mercury, Chrysler , and more.
*Quotes generated for Insurify users in and around Kansas City, Missouri within the last 10 days. Last updated on February 11, 2025. 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 February 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Missouri
To drive legally in Missouri, you need to have at least a liability-only 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 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 per person / $50,000 per accident |
If you want coverage that exceeds the minimum requirements in Kansas City, you could choose from the following options:
Comprehensive coverage
Comprehensive 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 insurance pays to repair your vehicle when it’s damaged by another vehicle or an object, such as a tree or building.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage 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. But each incident type can affect your rates in different ways.
In the sections that follow, you’ll see average monthly quotes based on which incident types appear on your record.
Cheapest car insurance for drivers with a speeding ticket: USAA
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.
The average cost of auto insurance for a driver with a speeding ticket in Kansas City, Missouri, is $183 for liability-only coverage and $324 for full coverage.
Here, you can see how a speeding ticket affects your rates.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
---|---|---|
USAA | $35 | $46 |
State Farm | $42 | $55 |
Allstate | $57 | $75 |
GEICO | $61 | $80 |
American Family | $71 | $94 |
Clearcover | $84 | $111 |
Progressive | $85 | $111 |
Root | $94 | $134 |
Shelter | $94 | $129 |
Nationwide | $99 | $132 |
Auto-Owners | $102 | $136 |
Travelers | $103 | $137 |
Direct Auto | $109 | $144 |
Safeco | $109 | $146 |
National General | $117 | $154 |
Dairyland | $146 | $192 |
Bristol West | $148 | $197 |
GAINSCO | $155 | $218 |
The General | $160 | $217 |
Liberty Mutual | $186 | $262 |
Foremost | $188 | $265 |
Cheapest car insurance for drivers with an at-fault accident: USAA
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.
The average cost of auto insurance for a driver with at-fault accident in Kansas City, Missouri, is $193 for liability-only coverage and $343 for full coverage.
Here’s a list of average monthly rates for drivers in Kansas City with an at-fault accident on their record.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
---|---|---|
USAA | $35 | $49 |
State Farm | $42 | $58 |
Allstate | $57 | $79 |
GEICO | $61 | $85 |
American Family | $71 | $99 |
Clearcover | $84 | $127 |
Progressive | $85 | $121 |
Root | $94 | $141 |
Shelter | $94 | $138 |
Nationwide | $99 | $139 |
Auto-Owners | $102 | $143 |
Travelers | $103 | $144 |
Direct Auto | $109 | $155 |
Safeco | $109 | $154 |
National General | $117 | $162 |
Dairyland | $146 | $202 |
Bristol West | $148 | $206 |
GAINSCO | $155 | $207 |
The General | $160 | $228 |
Liberty Mutual | $186 | $274 |
Foremost | $188 | $277 |
Cheapest car insurance for drivers with a DUI: USAA
A DUI can cause insurance premiums to skyrocket, and some insurers may drop you altogether.
Kansas City, Missouri, drivers with a DUI on record pay an average of $219 per month for liability-only coverage and $388 for full coverage.
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.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI |
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