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

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Last Updated: January 2022
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Car Insurance in Kansas City, MO

To drive legally in Missouri, all drivers must carry the state minimum required insurance coverage. Missouri auto insurance laws require liability coverage (bodily injury liability and property damage liability) as well as underinsured/uninsured motorist coverage. If you’re financing your vehicle, your lender may require you to get more comprehensive coverage.

Complying with the minimum coverage laws and staying safe on the road don’t have to break the bank. Use Insurify, an AI-powered comparison tool, to compare real auto insurance rates from the best providers in Kansas City to find the cheapest auto insurance policy in under five minutes. Insurify users save an average of $489 a year!

Your car insurance rates depend on where you live in Missouri and vary from city to city. According to Insurify data, Kansas City drivers can expect average monthly costs of $171—or $2,052 per year. Whether you are shopping for the minimum liability and uninsured motorist coverage or full coverage, use Insurify to find the cheapest car insurance quote for you.
$122
$132
$142
$145
$158
State FarmTravelersClearcoverKemper PreferredSafeco

Cheapest Car Insurance in Kansas City, MO

To find the cheapest auto insurance agency for you, it’s important to get at least four quotes from different car insurance companies. This is because different insurance providers calculate insurance rates differently, so shopping around increases your likelihood of securing the lowest rates.

Luckily, you have plenty of options to choose from in Kansas City, Missouri.

Best Car Insurance in Kansas City, MO

The best car insurance company for you in Kansas City, Missouri, depends on a variety of factors, such as your age and credit score. You can use the table below to see the best car insurance companies with the cheapest rates. However, remember that these premiums are just estimates based on statistics. To find the cheapest car insurance for you, use Insurify.

Average Car Insurance Cost

$168
$160
$135
$118
$204
$224
MissouriSpringfieldIndependenceColumbiaLees SummitKansas City
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Kansas City, MO Driving Facts

missouri

Minimum Car Insurance Requirements in MO

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:

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

The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

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.

  • $10,000/accident for Property Damage (PD)

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:

  • $25,000 per person/$50,000 per accident for Bodily Injury  

Kansas City Car Insurance Rates by Driver Age

Your age is one of the most important factors when it comes to car insurance rates, whether you’re getting liability insurance or full coverage. Teen drivers and drivers under 25 have the most expensive car insurance rates, but auto insurance gets cheaper as you age, gain more experience on the road, and have your driver’s license for more years.

You can compare the rates for drivers of different ages in the table below.
Driving History
Clean driving record$238
Speeding Ticket$318
At-Fault Accident$336
Failure to Stop for Red Light / Stop Sign$326

Kansas City Car Insurance Rates by Driving and Accident History

Your driving record and accident history are also very important factors that influence your car insurance rates. Drivers with a clean driving record and no history of accidents have the cheapest car insurance rates, while those with violations—such as DUIs, speeding tickets, at-fault accidents, and failures to stop—on their record have the highest rates.

Kansas City Car Insurance Rates by Credit Tier

Insurance agents also pay special attention to your credit score. Kansas City drivers with excellent and good credit scores have the cheapest car insurance rates, while those with bad credit history may need to spend more time searching for insurance services that fit their budget.

You can find the average car insurance costs for drivers in each credit tier below and then use Insurify to find the cheapest car insurance for you.

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.

Find local Kansas City agents

Carpenter & Company 
8301 State Line Rd Ste Ga, Kansas City, MO 64114
Cowell James Forge Insurance Group 
10525 N Ambassador Dr Ste 301, Kansas City, MO 64153
Banuelos Insurance Agency 
536 Benton Blvd, KANSAS CITY, MO 64124-1946
William Henry Agency 
1001 Locust Street, Kansas City, MO 64106-2423
Mylo 
8880 Ward Parkway Ste 200, Kansas City, MO 64114
The Miller Group 
903 E 104th Street Ste 800, Kansas City, MO 64131
Lockton Companies 
444 W 47 St Ste 900, Kansas City, MO 64112-1906
Medical Liability Experts 
4509 NE 91st Street, Kansas City, MO 64156
Precision Benefits 
700 W 31st St Ste 702, Kansas City, MO 64108-3628
ARA Insurance Services 
102 NW Parkway Rd, Kansas City, MO 64150-9560

Insurify Insights: How Kansas City Drivers Measure Up

chevrolet
Chevrolet Malibu
Most Popular Car in
Kansas City, MO
suspended licenses
#8
Cities with Most
Suspended Licenses Rank

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.

Accidents in Kansas City

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.

  • Rank within state: #19
  • Percent of drivers in Kansas City with an accident: 9.74%
  • Drivers in Kansas City, MO with an accident in their driving history paid on average 43.98% more than drivers with a clean record

Speeding in Kansas City

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.

  • Rank within state: #3
  • Percent of drivers in Kansas City with a speeding ticket: 13.58%
  • Drivers in Kansas City, MO with a speeding ticket in their driving history paid on average 32.37% more than drivers with a clean record

DUI/DWIs in Kansas City

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.

  • Rank within state: #18
  • Percent of drivers in Kansas City with a DUI: 2.16%
  • Drivers in Kansas City, MO with a DUI in their driving history paid on average 13.69% more than drivers with a clean record

Most Popular Vehicle in Kansas City

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.

Rude Drivers in Kansas City

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.

  • Rank within state: #3
  • Percent of drivers in Kansas City with a reckless driving violation: 2.32%
  • Drivers in Kansas City, MO with a reckless driving violation in their driving history paid on average 36.51% more than drivers with a clean record.

Safest Drivers in Kansas City

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.

  • Rank within state: #9
  • Percent of drivers in Kansas City with clean record: 77.71%

Failure to Yield the Right of Way in Kansas City

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.

  • Rank within state: #3
  • Percent of drivers in Kansas City with a failure to yield violation: 0.66%
  • Drivers in Kansas City, MO with a failure to yield violation in their driving history paid on average 3800% more than drivers with a clean record

Reckless Drivers in Kansas City

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.

  • Rank within state: #4
  • Percent of drivers in Kansas City with a reckless driving offense: 0.03%

Hybrid/Electric Vehicle Ownership in Kansas City

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.

  • Rank within state: #9
  • Percent of drivers in Kansas City with a hybrid/electric vehicle: 0.8%

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.


FAQs - Kansas City, MO Car Insurance

How do I find cheap car insurance in Kansas City, MO?

The best way to find cheap car insurance in Kansas City is to get at least four quotes from different auto insurance companies and compare them side by side to find an option with the lowest rates and the best coverage. To save yourself time, money, and stress, use Insurify to get real car insurance quotes tailor-fit to your preferences and needs in under five minutes.

How much does car insurance cost in Kansas City, MO?

No two drivers are the same, and no two car insurance companies calculate auto insurance rates in the same way. To determine your quote, car insurance providers look into personal and statistical factors such as your age, vehicle model, and credit score. To get personalized cheap car insurance quotes, use Insurify.

What drives up car insurance rates in Kansas City, MO?

In addition to factors such as your age and credit score, your car insurance rates are affected by where you live in Kansas City. Some ZIP codes statistically have higher levels of crime, theft, and uninsured drivers, which makes car insurance companies assume there’s a higher risk of something happening to your vehicle. Use Insurify to find cheap car insurance even if you live in a high-risk ZIP code.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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