Cheap Car Insurance Quotes in Kansas City, Missouri

Find Cheap Auto Insurance Quotes in Your Area

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The largest city in Missouri, Kansas City and its surrounding metropolitan area are home to more than two million people, many of whom need car insurance. The average cost of car insurance for a minimum coverage policy in Kansas City is $1,033 per year, or $86 per month.

To help Kansas City drivers find cheap auto insurance quotes, we surveyed nine of Missouri's largest insurance companies and compared them to get the best rates.

Cheap car insurance companies in Kansas City, Missouri

The cheapest minimum coverage car insurance in Kansas City is offered by:

  • State Farm
  • American Family
  • Shelter

These three insurers offered average auto quotes of $807 per year, or 22% cheaper than the Kansas City average.

In this graph, we show the companies that had the cheapest car insurance rates in Kansas City, Missouri
In this graph, we show the companies that had the cheapest car insurance rates in Kansas City

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
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The rates above reflect quotes for a 30-year-old male driver of a 2015 Honda Civic EX. Your actual quotes will vary depending on your driver profile, place of residency and coverage.

The best way to find cheap car insurance is to compare rates from several insurers. Enter your ZIP code above to start comparing auto insurance quotes.

Kansas City car insurance quotes by insurer

RankInsurerCar insurance quote
1State Farm$682
2American Family$798
3Shelter$941
4Progressive$958
5Allstate$1,041
6GEICO$1,255
7Auto Club$1,509
8Farmers$1,861
NAUSAA$256

Of note, USAA offers the cheapest policies overall; however, only current and former service members and their families are eligible.

The average cost of car insurance in Kansas City, Missouri, by neighborhood

The average cost of auto insurance for a minimum coverage policy in Kansas City is $1,033 per year. However, in larger cities like Kansas City, average car insurance rates can vary depending on where you live.

Below is a list of annual car insurance quotes by ZIP code in Kansas City. The ZIP code with the cheapest car insurance in Kansas City was 64164, in the northern part of the city close to the KCMO airport, with an annual rate of $860. For comparison, the most expensive quotes were in 64130, slightly southwest of downtown, at $1,227 per year.

ZIP codeAnnual car insurance quote
64101$1,152
64102$1,154
64105$1,097
64106$1,103
64108$1,060
64109$1,215
64110$1,096
64111$1,066
64112$1,051
64113$1,036
64114$1,024
64116$944
64117$940
64120$1,145
64123$1,207
64124$1,198
64125$1,164
64126$1,108
64127$1,192
64128$1,200
64129$1,071
64130$1,227
64131$1,052
64132$1,216
64133$1,040
64134$1,076
64136$989
64137$1,056
64138$1,064
64139$998
64145$1,025
64146$1,028
64147$1,076
64149$1,029
64151$912
64152$909
64153$900
64154$904
64155$898
64156$900
64158$915
64161$951
64164$860
64165$912
64166$888
64167$883

Best car insurance companies in Kansas City, Missouri

The best auto insurance companies in Kansas City, according to a customer satisfaction metric known as the Complaint Index, are:

  • Auto Club
  • State Farm
  • Shelter

These top insurers had the fewest number of complaints filed relative to their market share, indicating a good customer service experience.

The list below ranks Missouri insurance companies from the lowest (best) Complaint Index to highest (worst).

RankInsurerComplaint Index
1Auto Club0.49
2State Farm0.57
3Shelter0.61
4Allstate0.68
5American Family0.69
6Farmers0.79
7USAA0.84
8Progressive0.88
9GEICO1.20

GEICO, Progressive and USAA received the most complaints relative to expectations, suggesting weaker customer reviews.

To identify the best Kansas City insurance companies, we used Complaint Index data from the National Association of Insurance Commissioners (NAIC).

How to buy car insurance in Kansas City, Missouri

Many carriers, such as GEICO and Progressive, allow customers to shop for and buy policies directly online on their websites.

Other insurers, like State Farm, for example, typically rely on a large network of insurance agents and brokers to cultivate relationships directly with customers, and as a result, many policies are purchased in person. If you'd like to buy an auto policy from one of these carriers, search for local car insurance agents or brokers in Kansas City.

Minimum car insurance requirements in Kansas City, Missouri

Drivers in Kansas City are required to adhere to Missouri's minimum state legal requirements for auto insurance. Specifically, Missouri requires drivers to carry minimum limits of bodily injury liability and property damage liability coverage.

TypeMissouri minimum requirements
Bodily injury liability$25,000 per person, and up to $50,000 per accident
Property damage liability$10,000 per accident

Although your car insurance policy may meet Missouri's minimum coverage requirements, it may not be enough to fully cover damages in an expensive accident. We recommend all Kansas City drivers consider purchasing higher coverage limits, as well as comprehensive and collision insurance — particularly if your car has a value far in excess of the cost of comprehensive and collision coverage.

Methodology

We collected sample quotes from several insurance companies in Kansas City, Missouri. Our sample driver was a 30-year-old male who drove a 2015 Honda Civic EX.

We kept all variables for acquiring car insurance coverage constant: being single, having a fair credit score and maintaining a clean driving record. The only parameter that varied was ZIP code. Coverage limits are the minimum car insurance requirements in Missouri.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Michael Hoffmann is a Senior Research Analyst focused on insurance. He was previously a Technology Editor at The Economist Intelligence Unit and has had prior roles as an ETF and Equity Analyst focused on emerging technologies like artificial intelligence, cybersecurity and cloud computing.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.