Cheap Car Insurance Quotes in Kansas City, Missouri

Cheap Car Insurance Quotes in Kansas City, Missouri

Find Cheap Auto Insurance Quotes in Kansas City

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The average cost of minimum-coverage auto insurance in Kansas City, Missorui is $829 per year compared to the state average of $690.

State Farm offered the best rates for minimum coverage in Kansas City, Mo., our analysis found. The company's average annual rate in the city is $22 less per month than the city overall.

Missouri's largest city is on the state's western edge. Although insurance rates there are more expensive than the state overall, you can find savings by shopping around and seeing how key factors affect your rates.

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We found that rates for full coverage could range by more than $1,900 depending on the company you choose, while minimum-coverage rates could more than double depending on the insurer.


Cheapest auto insurance in Kansas City: State Farm

State Farm had the cheapest auto insurance quotes in Kansas City, with an average annual cost of $564 — 32% cheaper than the city average.

American Family had Kansas City's second-lowest rates at $626 per year. That was slightly cheaper than third-place Allstate at $680.

Those who can qualify for USAA — a group that includes current and former military members, as well as some family members — should consider getting a quote. USAA's average minimum-coverage rate in K.C. was $277.

The graph shows which companies are the cheapest for car insurance in Kansas, City Missouri

Find Cheap Auto Insurance Quotes in Kansas City

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Given the opportunity to save money, it might seem worthwhile to purchase a minimum-liability policy. However, that will not protect your own vehicle, meaning you will have to cover any damage from an at-fault accident.

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We recommend drivers with new or expensive vehicles invest in additional coverage or a full-coverage policy.

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Rank
Company
Average annual rate
1State Farm$564
2American Family$626
3Allstate$680
4Progressive$686
5Shelter$981
6Farmers$1,077
7Geico$1,164
8Auto Club$1,404
N/AUSAA$277

Cheapest full-coverage car insurance in Kansas City: State Farm

State Farm, American Family and Shelter have the cheapest rates for full coverage in Kansas City. All charged less than $2,600 for an annual policy.

State Farm had the lowest increase to switch from minimum coverage to full coverage. The price increased by $1,068 to $1,632 per year.

Rank
Company
Average annual rate
1State Farm$1,632
2American Family$2,053
3Shelter$2,591
4Allstate$2,827
5Progressive$3,053
6Geico$3,495
7Auto Club$4,402
8Farmers$4,609
N/AUSAA$950

*USAA is only available to current and former military members and their families.

A full-coverage policy can cost more than four times as much as minimum coverage. Full coverage includes higher liability limits than the state minimum plus comprehensive and collision coverage.

Comprehensive

Protects against "acts of God" or damage caused by circumstances out of your control, including storms, vandalism and falling.

Collision

Protects you in cases where you crash your car into another object, or your car flips over or is driven into a ditch.

If your car is less than 10 years old or is worth more than $3,000, we recommend that you add this additional protection. Comprehensive coverage protects in situations that are unpredictable and out of your control, while collision covers some of the most common ways your vehicle can receive damage.

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Cheap car insurance for drivers with prior incidents

Incidents on your driving record such as a speeding ticket, DUI or accident will raise your rates in Kansas City and just about anywhere else.

We found the cheapest car insurance for Kansas City drivers who have:

Cheapest car insurance in Kansas City after an accident: State Farm

The top option for full-coverage rates following an at-fault accident is State Farm, which was $1,347 cheaper than the second-most-affordable option, American Family.

The average rate for State Farm was $1,925 per year, 18% more than with a clean record. On average in Kansas City, Mo., an accident raised rates by 44%.

Rank
Company
Rate before accident
Rate after accident
Difference
1State Farm$1,632$1,925$293
2American Family$2,053$3,272$1,219
3Shelter$2,591$3,301$710
4Allstate$2,827$3,880$1,053
5Progressive$3,053$4,545$1,492
6Geico$3,495$5,570$2,075
7Farmers$4,609$6,376$1,767
8Auto Club$4,402$6,865$2,463
N/AUSAA$950$1,242$292

*USAA is not ranked because only military members (current and former) and their families are eligible.

In Missouri, the average rate increase for an accident is 41%, so Kansas City drivers pay slightly more.


Cheapest car insurance for drivers with a speeding ticket: State Farm

Kansas City's best rates for full-coverage insurance after a speeding ticket came from State Farm, which was 49% cheaper than the city average.

State Farm's overall rate was $1,778 per year. American Family had the second-best rate at $2,444, followed by Shelter at $2,956.

The city’s average annual rate was $3,503. Speeding tickets raised the average premium by $657, an increase of 23%.

Rank
Company
Average annual rate
1State Farm$1,778
2American Family$2,444
3Shelter$2,956
4Allstate$3,266
5Progressive$3,548
6Geico$4,173
7Auto Club$5,960
8Farmers$6,277
N/AUSAA$1,125

Cheapest car insurance for drivers with a DUI: State Farm

A DUI increases full-coverage insurance for a Kansas City driver by 45% on average, or $1,277. The city's best rates were offered by State Farm and Progressive, at $1,778 and $3,284, respectively.

State Farm raises rates by only 9% after a DUI. Allstate, Shelter and American Family all also offer below-average rates following a DUI.

Rank
Company
Average annual rate
1State Farm$1,778
2Progressive$3,284
3American Family$3,540
4Shelter$3,787
5Allstate$3,805
6Farmers$6,062
7Geico$6,475
8Auto Club$6,746
N/AUSAA$1,631

Cheapest car insurance for drivers with poor credit: State Farm

State Farm and American Family have the best insurance rates for drivers with poor credit in Kansas City. Each charged less than $2,700 per year for annual coverage.

Poor credit increases rates by 72%, on average, in Kansas City. Shelter had the smallest increase at 40%.

The average rate for State Farm was $2,387, just ahead of American Family at $2,696. Allstate and USAA were only other companies offering below-average rates for drivers with bad credit.

Bad credit raised rates more than a DUI, an accident or a speeding ticket in Kansas City.

Rank
Company
Average annual rate
1State Farm$2,387
2American Family$2,696
3Allstate$2,881
4Progressive$3,903
5Shelter$3,965
6Farmer$4,191
7Geico$4,312
8Auto Club$8,775
N/AUSAA$1,296

Cheapest car insurance for young drivers: State Farm

Young and inexperienced drivers pay higher auto insurance rates than older drivers in almost every situation. Teens and young adults are considered riskier to insure as they are more likely to be involved in an accident.

The most affordable insurance companies for the average 18-year-old driver in Kansas City are State Farm and Allstate, which offer premiums of less than $6,000 per year.

State Farm's rates came in at $5,011 per year, which is $341 less than Allstate and $1,010 less than Shelter.

Insurance for young drivers is expensive, so you should reach out to multiple insurers to get the best rates.

Rank
Insurer
Average annual premium
1State Farm$5,011
2Allstate$5,354
3Shelter$6,021
4American Family$7,295
5Geico$7,605
6Progressive$10,099
7Farmers$10,290
8Auto Club$14,094
N/AUSAA$1,867

*USAA is not ranked because only military members (current and former) and their families are eligible. Our sample driver is an 18-year-old man.

If you are looking for other ways to keep costs down, here are two things you can do:

  1. Ask about discounts
  2. Talk to your parents about being on their plan

Staying on a combined policy with family members will be cheaper than having two separate policies. Many insurers will also have discounts specifically for young people, such as the "good student discount."


Best auto insurance companies in Kansas City

The best insurance company will have not only affordable prices but also high-quality customer service, including fast processing times and 24/7 customer support. The insurers with the best customer service, according to a survey conducted by ValuePenguin, are:

USAA is only available to members of the military and certain family members.

Overall rank
Group
Percentage of respondents overall extremely satisfied with most recent claim
Percentage of respondents who rated customer service as "excellent"
1USAA78%62%
2American Family86%50%
3State Farm73%46%
4Allstate72%47%
5Farmers Insurance71%38%
6Progressive74%34%
7Geico64%42%
N/AAuto ClubN/AN/A
N/AShelterN/AN/A

Overall rank takes both overall satisfaction and customer service rankings into account.


Average car insurance costs in Kansas City, by neighborhood

More than 2.1 million people live in the Kansas City metro area, with 495,327 in the city itself. Kansas City encompasses numerous neighborhoods across its 51 ZIP codes, and the price of full-coverage insurance varies by $993.

Kansas City's least expensive ZIP code for car insurance was 64167, a small area north of the city. The most expensive, at $3,423, was 64123, which includes the North Indian Mound neighborhood northeast of downtown.

ZIP code
Average annual car insurance cost
64012$2,504
64101$3,177
64102$3,180
64105$3,051
64106$3,170
Show All Rows

Kansas City, Mo., pushes up against the Kansas line alongside the smaller city of Kansas City, Kan. Drivers on the Kansas side of the line pay $551 less per year, on average, for full-coverage car insurance.

Auto theft statistics in Kansas City

Kansas City comes in at 11th among Missouri's 15 largest cities in car thefts per 10,000 residents. That rate was 76.6 cars stolen per 10,000 in 2019.

Wentzville, a city of nearly 43,000 on the western edge of the St. Louis metro area, ranked at the top, with only 6.3 cars stolen per 10,000 residents. Kansas City had 3,801 auto thefts overall, and came in with a lower rate than St. Joseph, Independent, Springfield and St. Louis.

Rank
City
Population
Car thefts
Thefts per 10,000
1Wentzville42,892276.3
2O'Fallon89,611738.1
3Jefferson City42,7936615.4
4St. Peters57,6979416.3
5Cape Girardeau40,0777218.0
Show All Rows

Motor vehicle theft data was pulled from the FBI 2019 Missouri crime report.

Minimum car insurance requirements in Missouri

Missouri drivers must have liability insurance to drive on public roads. They must maintain a minimum amount of car insurance for bodily injury liability and property damage liability coverage.

Below you can see the full breakdown:

  • $25,000 of bodily injury liability per person
  • $50,000 of bodily injury liability per accident
  • $10,000 of property damage liability
  • $25,000 of uninsured motorist bodily injury coverage per person
  • $50,000 of uninsured motorist bodily injury coverage per accident

Drivers should still consider higher and optional coverages such as collision and comprehensive insurance, as well as higher liability limits. Minimum coverage is often not enough to cover medical bills or property damage.

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Methodology

Insurance quotes were collected from nine of the largest insurers in Missouri. The sample driver is a 30-year-old man with a 2015 Honda Civic EX and average credit. Rates are for a full-coverage policy unless otherwise noted.

Rate data is from Quadrant Information Services, which uses publicly sourced insurer filings. Rates should be used for comparative purposes only, as your rates will likely be different.

Sources: FBI 2019 Missouri crime report

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.