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 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.
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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 $205 per month on car insurance. That’s a bit higher than the national average of $160.
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.
Quick Facts
USAA, State Farm, and Allstate have the cheapest car insurance in Kansas City.
Liability insurance in Kansas City costs an average of $130 per month, and full coverage costs $279 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
$30
Military members
State Farm
9.3
$67
$35
Stability
Allstate
8.9
$90
$47
Discounts
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.
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 28,000 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.
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.
$37/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
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
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.
$43/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.
$83/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 of selling car insurance
Strongest AM Best financial strength rating of A++ (Superior)
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
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.
$58/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.
$111/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
AM Best financial strength rating of A+ (Superior) [1]
Offers traditional car insurance, as well as pay-per-mile coverage
Extreme Increase without Warning for Veteran and Professional Driver
There was no warning or reason for the extreme increase in price within one year. There was no warning, no options to change to, and no contact from anyone. Just a new bill with a huge increase. As a veteran and a professional driver who takes the defensive driver's course every year, there is absolutely no reason for the increase.
Justo - July 24, 2024
Verified
Unreasonable Price
To me, everything is okay with Allstate except for the price of coverage.
Debra - July 24, 2024
Verified
Your prices are way too high. You need to cut it
I think your coverage for a single vehicle policy is too high.
…
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 $37 per month
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Based on 3,806+ reviews
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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 $130 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: Monday, July 1 at 12:00 PM PDT.
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.
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: 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 $279 per month for full-coverage auto insurance.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
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.
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
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 $46 for drivers with an incident
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 $185 for liability-only coverage and $398 for full coverage.
Here, you can see how a speeding ticket affects your rates.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
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.
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: 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 $195 for liability-only coverage and $419 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: Monday, July 1 at 12:00 PM PDT.
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.
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: 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 $221 per month for liability-only coverage and $474 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: Monday, July 1 at 12:00 PM PDT.
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.
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: 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 $91 for liability-only coverage and $196 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: Monday, July 1 at 12:00 PM PDT.
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.
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: 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 $238 for liability-only coverage and $510 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: Monday, July 1 at 12:00 PM PDT.
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.
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.
Find Cheap Car Insurance in Kansas City
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
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?
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 $105 per month for liability-only coverage and $214 for full coverage.
In Kansas City, you’ll pay more for liability coverage at $130 per month, but less for full coverage at $205 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.
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 $130 per month for liability-only coverage and $279 per month for full coverage, on average.
Which company has the cheapest car insurance in Kansas City?
USAA has the cheapest car insurance in Kansas City, with monthly liability rates as low as $37. State Farm and Allstate also offer affordable coverage, with respective monthly liability rates of $43 and $58.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
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 of 9.4, 9.3, and 8.9, respectively.
Is car insurance cheaper in Kansas or Missouri?
On average, Kansas residents pay $82 per month for liability-only coverage and $204 for full coverage. This is slightly cheaper than Missouri’s state averages of $98 per month for liability-only coverage and $235 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 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.
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