Cheapest Auto Insurance in Kansas City, Missouri (2025)

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 $171 per month on car insurance. That’s a bit higher than the national average of $150.

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.

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	9.1	$89	$59	Military members
State Farm	9.3	$105	$70	Stability
Allstate	8.9	$142	$95	Discounts

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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

military members

Compare Quotes

User Reviews	4.9 1,192 reviews
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.	9.1 /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.	$71/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

Hide Details

Driver Reviews

4.9

Best choiceBased on 2,100 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,192)

John

June 17, 2025

Verified Review

USAA Critique

High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.

Previous

1234…25

NextSee all USAA reviews

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this 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.

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

Best insurer for stability: State Farm

stability

Compare Quotes

User Reviews	4.1 6,043 reviews
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.	$83/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.	$126/mo

Show Details

Driver Reviews

4.1

Best choiceBased on 11,264 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,043)

Duane

July 1, 2025

Verified Review

40+ years says it all!

State Farm has always met my expectations for the 40+ years of service.

Krystal

July 1, 2025

Verified Review

Good

State Farm was my best insurance company, but I couldn't pay my bill because it was too high.

Steven

June 30, 2025

Verified Review

Happy but Broke Now

State Farm is a great company that comes at a premium.

Previous

1234…25

NextSee all State Farm reviews

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

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 of selling car insurance

• Strongest AM 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

Best insurer for discounts: Allstate

Discounts

Compare Quotes

User Reviews	3.9 3,653 reviews
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.	$113/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.	$171/mo

Show Details

Driver Reviews

3.9

A solid optionBased on 6,854 verified guest reviews and ratings

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

Reviews (3,653)

David

June 28, 2025

Verified Review

Insurance

It's hard to get a hold of an agent. Agencies switched, resulting in a lot of back-and-forth phone calls.

Leeland

June 26, 2025

Verified Review

Frustrating

Don't use this company. A fire in California will raise your rates even if you don't live there.

Hope

June 25, 2025

Verified Review

Good

It's been fine until the rates went up without notification.

Previous

1234…25

NextSee all Allstate reviews

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

636

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A-

Why we picked this company

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

• AM Best financial strength rating of A+ (Superior) ^[1]

• Offers traditional car insurance, as well as pay-per-mile coverage

• Many available discounts

Cons

• 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.

Find Car Insurance in Kansas City, Missouri

Liability rates start at $71 per month

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

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 $126 per month. 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, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
USAA	$71
State Farm	$83
Progressive	$86
Safeco	$111
National General	$112
Allstate	$113
Root	$113
Direct Auto	$116
Bristol West	$128
GEICO	$129
Clearcover	$130
American Family	$142
Dairyland	$143
GAINSCO	$157
The General	$161
Shelter	$188
Nationwide	$200
Auto-Owners	$206
Travelers	$207
Liberty Mutual	$220

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: 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 $216 per month for full-coverage auto insurance.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
USAA	$107
State Farm	$126
Progressive	$159
Allstate	$171
GEICO	$193
Safeco	$195
American Family	$214
National General	$220
Direct Auto	$229
Clearcover	$238
Root	$241
Shelter	$283
Nationwide	$301
Auto-Owners	$311
Travelers	$313
Bristol West	$313
The General	$350
Liberty Mutual	$353
GAINSCO	$379
Dairyland	$450

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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

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.

Find Cheap Car Insurance in Kansas City

Monthly rates start at $82 for drivers with an incident

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

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 $155 for liability-only coverage and $265 for full coverage.

Here, you can see how a speeding ticket affects your rates.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Speeding Ticket
USAA	$71	$87
State Farm	$83	$100
Progressive	$86	$106
Safeco	$111	$140
National General	$112	$137
Allstate	$113	$138
Root	$113	$147
Direct Auto	$116	$143
Bristol West	$128	$158
GEICO	$129	$162
Clearcover	$130	$165
American Family	$142	$175
Dairyland	$143	$175
GAINSCO	$157	$184
The General	$161	$208
Shelter	$188	$240
Nationwide	$200	$246
Auto-Owners	$206	$254
Travelers	$207	$255
Liberty Mutual	$220	$275

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: 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 $160 for liability-only coverage and $275 for full coverage.

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, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Accident
USAA	$71	$90
State Farm	$83	$104
Progressive	$86	$109
Safeco	$111	$149
National General	$112	$141
Allstate	$113	$143
Root	$113	$144
Direct Auto	$116	$152
Bristol West	$128	$163
GEICO	$129	$154
Clearcover	$130	$186
American Family	$142	$181
Dairyland	$143	$182
GAINSCO	$157	$194
The General	$161	$213
Shelter	$188	$240
Nationwide	$200	$255
Auto-Owners	$206	$261
Travelers	$207	$264
Liberty Mutual	$220	$283

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: 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 $203 per month for liability-only coverage and $348 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.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With DUI
USAA	$71	$109
State Farm	$83	$127
Progressive	$86	$138
Safeco	$111	$177
National General	$112	$172
Allstate	$113	$173
Root	$113	$173
Direct Auto	$116	$178
Bristol West	$128	$196
GEICO	$129	$198
Clearcover	$130	$200
American Family	$142	$218
Dairyland	$143	$220
GAINSCO	$157	$241
The General	$161	$247
Shelter	$188	$289
Nationwide	$200	$307
Auto-Owners	$206	$316
Travelers	$207	$318
Liberty Mutual	$220	$338

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA

Insurers calculate premiums for auto policies by looking at many different factors, and your age is one of them. If you’re 70 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.

Drivers older than 60 in Kansas City, Missouri, pay a monthly average of $102 for liability-only coverage and $174 for full coverage.

The table below shows what senior drivers pay each month, on average, in Kansas City.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
USAA	$84	$56
State Farm	$96	$63
Progressive	$128	$69
Allstate	$135	$89
GEICO	$148	$99
National General	$164	$84
Safeco	$165	$94
American Family	$165	$110
Direct Auto	$175	$88
Root	$198	$93
Shelter	$199	$132
Clearcover	$202	$110
Nationwide	$221	$147
Travelers	$239	$158
Auto-Owners	$242	$160
Bristol West	$248	$101
The General	$274	$126
Liberty Mutual	$287	$179
GAINSCO	$307	$127
Dairyland	$356	$113

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA

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.

Teen drivers in Kansas City, Missouri, pay a monthly average of $241 for liability-only coverage and $413 for full coverage.

Fortunately, you have ways to lower your insurance costs. 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.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
USAA	$199	$132
State Farm	$242	$159
Progressive	$304	$164
Allstate	$340	$225
GEICO	$351	$234
American Family	$403	$268
Safeco	$406	$231
Root	$425	$199
Clearcover	$434	$237
National General	$455	$232
Direct Auto	$457	$232
Shelter	$562	$373
Auto-Owners	$571	$378
Bristol West	$572	$234
Nationwide	$590	$392
The General	$611	$281
Travelers	$626	$414
Liberty Mutual	$647	$403
GAINSCO	$721	$299
Dairyland	$764	$243

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Kansas City car insurance quotes by credit tier

As with many states across the country, Missouri allows insurers to consider credit histories when determining premiums. Fair or not, insurers have determined that a person’s credit history 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 tiers can affect drivers’ insurance premiums in Kansas City.

Is car insurance more expensive in Kansas City?

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 $107 per month for liability-only coverage and $193 for full coverage.

In Kansas City, you’ll pay more for liability coverage at $126 per month, but less for full coverage at $171 per month.

More cities in Missouri

Below, you can see average car insurance premiums in some other Missouri cities and how they compare to the average rate in Kansas City.

City	Full Coverage	Liability Only
Cape Girardeau	$163	$96
Columbia	$174	$94
Independence	$194	$111
Jefferson City	$152	$83
Joplin	$157	$83
Springfield	$168	$105
St. Louis	$274	$156

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Kansas City car insurance FAQs